Independent guides, comparisons and reviews from Comparer Banque.
Interest on a Belgian term deposit is taxed at 30% from the first euro, while interest on a regulated savings account is exempt up to €1,020 a year. A term deposit therefore has to advertise 1.43 times the gross rate of a regulated account just to break even. Rates as of 25 September 2026.
In Belgium the debit card comes with almost every current account, while a credit card costs between 0 and 66 € a year. Cash withdrawal: 0 € on debit against 6.00 € on credit at Argenta. Fees recorded on 18 September 2026.
The interbank mobility service is free and the switch happens on the tenth banking business day at the earliest. A form signed on 18 September 2026 takes effect on 2 October 2026. The six steps, the real deadlines and the two tasks that stay on your plate.
Between the most expensive banking package on the Belgian market and a free online current account, the gap reaches 1,920 € over ten years for a couple. Fees surveyed on 31 July 2026, including the KBC increases of January 2026.
A Belgian savings rate adds a base rate, earned the day after your deposit, to a loyalty bonus earned only after twelve uninterrupted months. In year one, €10,000 placed at 3.15% returns roughly €61. Rates as of 29 August 2026.
Argenta's Green formula costs €0/year in monthly fees, with two debit cards and a maximum of two account holders. Counter transfers and cash withdrawals cost €2 each, the credit card €2/month. Everything that is included, as of 12 August 2026.
Keytrade Bank's Keypack costs €0/year: current account, debit card, SEPA and instant transfers included. Two lines change the maths: the Visa jumps to €25/year below 12 transactions, and deposits are covered by the French guarantee fund. Fees as of 12 August 2026.
A banking package only pays for itself above a certain number of counter transactions or credit cards. The threshold is calculable: 21 transactions a year at Argenta, two credit cards at BNP Paribas Fortis, a second debit card at KBC.
The fee information document is the only text where your bank writes its prices in a form imposed by royal decree. Twelve standardised services, a European format, and three lines to add up to know your real annual cost.
