Free current account. No fee for savings accounts. Investment funds: entry fee ~1-2%, ongoing 1-1.5%/year. One of the cheapest traditional banks overall.

Savings accounts, own Argenta fund range (mixed funds, pension savings). No direct stock/ETF trading. Mortgage loans, insurance. Simple product line.

100% Belgian — full automatic tax handling. TOB, withholding tax on dividends/interest all managed. No foreign declaration. Integrated tax-on-web.

Belgian cooperative bank, FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection. Conservative balance sheet. 400+ agents across Belgium.

Budget-conscious savers who want a simple, low-fee Belgian bank. Good for pension savings (3rd pillar). For ETF investing, pair with a dedicated broker.

Discretionary management fees typically 0.8-1.2%/year on assets under management. No per-trade fees for managed portfolios. Entry threshold: typically €250,000+.

Discretionary portfolio management, advisory mandates, estate planning. Cadelam funds (own fund house). Focus on wealth preservation and growth for HNW clients.

Belgian bank — full automatic tax handling. TOB, withholding tax, succession planning all managed. Integrated estate and tax planning services. No foreign account declaration.

Part of Ackermans & van Haaren group. FSMA & NBB supervised. Belgian deposit guarantee (€100,000). €20,000 investor protection. AAA-rated private bank.

High-net-worth individuals seeking personalized portfolio management, estate planning, and top-tier service. Not for DIY investors or small portfolios.

Advisory/discretionary management fees. Professional-focused pricing. Not the cheapest but includes personalized advice and planning.

Wealth management, investment advisory, pension planning for professionals. Part of Ackermans & van Haaren group (same as Bank Delen). Elite funds access.

100% Belgian — full automatic tax handling including succession planning. Integrated professional and private wealth tax optimization.

Part of Ackermans & van Haaren (listed on Euronext). FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection.

Liberal professionals (doctors, lawyers, architects) and entrepreneurs seeking integrated private/professional banking and wealth management.

Standard banking fees. Investment fund entry fees ~1-2%. Savings accounts fee-free. Cooperative member benefits available.

Savings, term deposits, insurance, pension savings, investment funds (via partners). No direct stock/ETF trading. Mortgage loans.

100% Belgian cooperative bank — full automatic tax handling. No foreign declaration needed.

Belgian cooperative (Tournai-based). FSMA & NBB supervised. €100,000 deposit guarantee. Strong local roots since 1894.

Walloon investors who value personal service and local cooperative banking. For ETF investing, pair with a separate broker.

Account fees apply. Sustainable funds with entry fees ~1-2%. Ongoing fund costs comparable to mainstream. Slightly higher than cheapest banks.

Triodos sustainable funds (climate, pioneer, impact), savings accounts, current account, pension savings. All investments screened for sustainability. No stocks/ETF trading.

Belgian branch of Dutch bank. Must declare as foreign account (CAP form). Withholding tax on interest and fund dividends handled.

Dutch banking license (DNB regulated). €100,000 deposit guarantee (Dutch scheme). European pioneer in sustainable banking since 1980.

Values-driven investors who want 100% guarantee that their money funds sustainable projects. Willing to accept limited product range for ethical impact.

Re=Bel platform: €3.50 per trade (up to €2,500) — competitive for a traditional bank. Standard banking channel: much higher fees. Entry fees on own SICAVs: 2-3%. Ongoing costs on managed funds: 1.5-2%/year.

Stocks, ETFs, bonds, own SICAVs (Belfius Equities, Belfius Plan). Re=Bel: limited to Euronext Brussels/Paris/Amsterdam. Full banking (savings, loans, insurance).

100% Belgian — seamless tax handling. Automatic TOB, withholding tax, and tax reporting. No foreign account declaration needed. Integrates with Tax-on-web.

Belgian systemic bank, FSMA & NBB supervised. €100,000 deposit guarantee (Belgian scheme). €20,000 investor protection. 500+ branches across Belgium.

Those who want everything under one Belgian roof and value physical branches. Use Re=Bel platform to avoid highest fees. Be cautious of their own expensive fund products.

Standard banking fees. Investment funds with entry fees. Credit card and payment products. Good overall cost structure (72/100).

Savings, current accounts, insurance, pension savings, investment funds. No direct stock/ETF trading. Full banking but limited investment options.

Belgian bank — full automatic tax handling. No foreign declaration needed. Seamless tax integration.

Part of Crédit Mutuel Nord Europe group (French banking group). FSMA & NBB supervised. €100,000 deposit guarantee.

General-purpose banking clients who want a solid, consistent experience. For investing, pair with a dedicated broker.

Online trades from €7.50-€14.95 depending on order size. Branch/phone trades: even more expensive. High entry fees on own funds (2-3%). Ongoing fund costs 1.5-2.5%/year.

Stocks, ETFs, bonds, own SICAVs (BNP Paribas B Strategy, etc.), structured products. Access to Belgian and major European exchanges. Full banking/insurance suite.

100% Belgian — complete automatic tax handling. TOB, withholding tax, fiscal fiches, everything managed. No foreign declaration needed. Smooth Tax-on-web integration.

Belgium's largest bank. Part of BNP Paribas Group (G-SIB). FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection. Too-big-to-fail status.

Existing clients who value one-stop-shop banking. For investing specifically, consider redirecting to Bolero (same group) for much lower execution costs.

€7.50 for orders up to €2,500 on Euronext Brussels. €15 for orders up to €5,000. US markets: $15 per trade. No custody fees. Free savings plan for select ETFs.

Belgian & international stocks, ETFs, bonds, warrants. Access to 10+ exchanges. Great research center with stock screener.

Belgian platform — automatic TOB (stock exchange tax) handling. Automatic withholding tax on Belgian dividends. No need to declare a foreign account. Easy tax reporting.

Part of KBC Group, supervised by FSMA & NBB. €20,000 investor protection guarantee. Deposits protected by Belgian guarantee scheme (€100,000).

Belgian investors who want hassle-free tax handling and local customer support. Great for those willing to pay slightly higher fees for peace of mind.

Same pricing as KBC (Walloon arm). Investment fund entry fees 2-3%. Ongoing fund costs 1.5-2%/year. Higher than online brokers.

Same products as KBC in French: savings, investment funds, insurance, pension savings, Bolero access for self-directed trading. Full banking suite.

100% Belgian (KBC Group) — full automatic tax handling. No foreign declaration. Tax-on-web integration.

Part of KBC Group. FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection. Major systemic bank.

French-speaking clients in Wallonia who want KBC technology. For investing: use Bolero (same group) for much lower costs.

Standard banking fees. Fund entry fees ~2%. Pension savings available. Average cost structure for a cooperative bank.

Savings, current accounts, investment funds (via Amundi/Crelan), insurance, agricultural banking, pension savings. No direct stock/ETF trading.

100% Belgian cooperative — full automatic tax handling. No foreign declaration needed.

Belgian cooperative bank. FSMA & NBB supervised. €100,000 deposit guarantee. Recently acquired AXA Bank Belgium. Strong agricultural heritage.

Rural/agricultural clients who value cooperative banking. Good for basic banking and pension savings. For investing, pair with a broker.

Discretionary management fees. High entry thresholds (€500,000+). Institutional-style pricing. Not for small retail investors.

Discretionary portfolio management, advisory mandates, own DPAM fund range (well-known ESG funds), estate and tax planning, private equity access.

Belgian private bank — full tax handling including complex succession planning and international tax structuring.

Independent Belgian private bank. FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection. 150+ years of history.

Ultra-high-net-worth individuals and institutional investors seeking bespoke wealth management and DPAM fund expertise.

€1 handling fee per "core" ETF trade. Regular stocks: €2 + €1 per trade. US: €1 + €1. No custody fees. Connectivity fee: €2.50/exchange/year.

Stocks, ETFs, bonds, options, futures across 50+ exchanges worldwide. ~200 core selection ETFs at reduced cost. No mutual funds or crypto.

Dutch platform (flatexDEGIRO). Must declare as foreign account (CAP form). TOB is handled automatically since 2022. Dividend withholding tax: partially handled but verify. You still manage some tax obligations yourself.

Part of flatexDEGIRO AG (German listed company). BaFin / AFM regulated. €100,000 deposit protection (German scheme). Securities held separately at SPV.

Cost-conscious investors wanting access to a wide range of global markets. Good for those already comfortable with some DIY tax obligations.

Advisory mandate fees. Fund entry/exit fees depending on product. Structured products available. Not the cheapest for basic investing.

Investment funds (wide third-party selection), structured products, discretionary mandates, savings, pension savings. No direct stock trading for retail.

Belgian branch — automatic tax handling. TOB and withholding tax managed. No foreign declaration needed.

Part of Deutsche Bank AG (G-SIB). Belgian branch, FSMA supervised. €100,000 deposit guarantee (Belgian scheme).

Clients interested in structured products and advisory mandates. Note: Deutsche Bank Belgium is restructuring its retail operations — check latest availability.

Competitive banking fees. Consumer credit specialist. Savings and term deposits available. Good overall cost structure.

Personal loans, savings, insurance, limited investment products. Mainly a consumer credit bank with additional banking services.

100% Belgian — full automatic tax handling. No foreign declaration needed.

Belgian bank (Ghent-based). Part of Crelan Group. FSMA & NBB supervised. €100,000 deposit guarantee.

Customers looking for personal banking service and consumer credit. Not a primary investment platform.

Same pricing as BNP Paribas Fortis. High fund entry fees (2-3%). Ongoing fund costs 1.5-2.5%/year. Being converted to BNP Paribas Fortis brand.

Same as BNP Paribas Fortis: savings, investment funds, insurance, loans. Network of independent agents. Full banking services.

100% Belgian (BNP Paribas Fortis) — full automatic tax handling. No foreign declaration needed.

Part of BNP Paribas Fortis (Belgium's largest bank). FSMA & NBB supervised. €100,000 deposit guarantee.

Existing Fintro clients. Note: brand being phased into BNP Paribas Fortis. Consider switching to a lower-cost broker for investing.

Free current account. Lower banking fees than parent BNP Paribas Fortis. Investment: same fund pricing as BNP Paribas. Good overall value for daily banking.

Current account, savings, some investment funds, insurance. Mobile-first design. Limited investment options compared to full-service banks.

Belgian bank (BNP Paribas Fortis subsidiary) — full automatic tax handling. No foreign declaration needed.

Part of BNP Paribas Fortis. FSMA & NBB supervised. €100,000 deposit guarantee. Full banking license.

Digital-savvy customers who want a free current account with BNP Paribas reliability. Note: brand being merged into BNP Paribas Fortis.

Self Invest: from €5 per trade. Smart Invest: managed portfolios with ~1-1.5% ongoing fees. High entry fees on own funds. Account fees may apply depending on plan.

Stocks, ETFs, bonds. Self Invest gives access to major European & US exchanges. Smart Invest for automated portfolio management. Full banking services.

Belgian bank — full automatic tax handling. TOB, withholding tax, all managed seamlessly. No foreign account declaration needed. Straightforward tax integration.

Part of ING Group (Netherlands). Belgian banking license, FSMA regulated. €100,000 deposit guarantee. €20,000 investor protection. Major systemic bank.

Existing ING clients who don't want to switch banks. The Self Invest platform is decent but overpriced. Consider Bolero or Keytrade for better value.

Fixed: €1.25 per trade (Europe) or tiered pricing from €0.05. US: $0.35–$1.00. No custody/inactivity fees. Best FX conversion rates (~0.002%). Competitive interest on cash.

Everything: stocks, ETFs, bonds, options, futures, forex, mutual funds, crypto, CFDs across 150+ markets. Professional charting with Trader Workstation.

Irish entity for EU clients. Must declare as foreign account (CAP form). Belgian TOB can be configured for automatic collection. Withholding tax varies by dividend origin. Advanced tax reporting available but requires DIY effort.

One of the world's largest brokers. SEC/FCA/MAS regulated. Irish entity under CBI regulation. €20,000 investor compensation scheme. Multi-factor authentication enforced.

Advanced investors who want access to every market and product on earth at the lowest possible cost. Not recommended for absolute beginners.

Investment fund entry fees 2-3%. Ongoing fund costs 1.5-2%/year. Banking fees average. For trading: use Bolero (subsidiary) for much better rates.

Full range: savings, KBC funds, insurance, pension savings, Bolero for self-directed trading. Kate AI assistant for mobile banking. Market leader in Belgium.

100% Belgian — full automatic tax handling. TOB, withholding tax, everything managed. No foreign declaration. Tax-on-web integration.

Belgian systemic bank. FSMA & NBB supervised. €100,000 deposit guarantee. €20,000 investor protection. One of Belgium's top 3 banks.

Those who love KBC's excellent app and digital ecosystem. For investing: switch to Bolero (same group) for dramatically lower trading costs.

Same as KBC/CBC. Fund entry fees 2-3%. For trading: use Bolero instead. Higher fees than online brokers.

Same as KBC: savings, funds, insurance, pension savings. Bolero access for self-directed trading. Kate AI assistant. Bilingual FR/NL.

100% Belgian (KBC Group) — full automatic tax handling. No foreign declaration needed.

Part of KBC Group. FSMA & NBB supervised. €100,000 deposit guarantee. Major systemic bank.

Brussels residents who want KBC technology in a bilingual format. For investing: use Bolero for lower costs.

€14.95 per trade (up to €10,000, all markets). Keyplan: invest from €25/month in funds/ETFs for €0 entry fee (only fund costs). Free bank account included.

Stocks, ETFs, bonds, options, funds. Access to major European & US exchanges. Keyplan offers ~60 pre-selected funds. Full banking services (savings, cards).

Belgian bank — automatic TOB collection. Withholding tax on dividends handled automatically. No foreign account declaration needed. Easy integration with Belgian tax return (Tax-on-web).

Part of Arkéa Group (French banking group). Belgian banking license, FSMA regulated. €100,000 deposit guarantee + €20,000 investor protection.

Belgians who want a one-stop bank + broker with automatic tax handling. Keyplan is excellent for beginners setting up monthly savings plans.

No entry fees on many funds. Savings accounts fee-free. Competitive fund pricing. MoneyMaxx for competitive term deposits. No account fees.

1,500+ funds from 40+ fund houses, savings accounts, term deposits. No direct stocks or ETFs. Fund supermarket model.

Belgian branch of Maltese bank. Account counts as Belgian — no foreign declaration required. TOB and withholding tax handled automatically.

Maltese bank with Belgian branch. Belgian deposit guarantee (€100,000). FSMA supervised. Part of Mediterranean Bank Group.

Fund investors who want access to a wide fund supermarket without entry fees. Good for diversified fund portfolios. Not for stock/ETF traders.

Free standard account. Smart (€4.90/m), You (€9.90/m), Metal (€16.90/m) with premium features. Investment: trades via partner (Shares.io) — limited free trades included on paid plans.

Limited: stocks & ETFs via partnership only (not fully integrated). No bonds, options, or crypto. Primary focus is banking (payments, transfers, budgeting), not investing.

German banking license. Must declare as foreign account (CAP form). Tax handling on investments is minimal — DIY for TOB and dividend withholding. Best paired with a separate broker for investing.

German banking license (BaFin). €100,000 deposit guarantee (German scheme). Full banking infrastructure. 3D Secure for card payments. Biometric app access.

People looking for a modern bank account with good budgeting tools. Not recommended as a primary investing platform — pair it with a dedicated broker.

Higher costs than average (fee score 49/100). Fund entry fees. Advisory mandate fees. Not cost-competitive for self-directed investing.

Savings, investment funds, advisory mandates, insurance, pension savings. No direct stock/ETF trading. Advisory-focused model.

100% Belgian — full automatic tax handling. No foreign declaration needed.

Belgian bank, FSMA & NBB supervised. €100,000 deposit guarantee. Oldest bank in Belgium (1747). Currently owned by ANBANG/Chinese investors.

Clients seeking personal advisory banking with historic Belgian roots. Not recommended for cost-conscious DIY investors.

No account fees. Top fee score (92/100). Competitive savings account rates. No hidden costs. Pure savings/term deposit bank.

Savings accounts (instant access), term deposits. No investments, no stocks, no ETFs, no funds. Purely a savings bank.

Dutch bank — must declare as foreign account (CAP form). Withholding tax on interest: Belgian residents get 30% Belgian WHT. NIBC provides tax certificate for your Belgian tax return.

Dutch banking license (DNB regulated). €100,000 deposit guarantee (Dutch DGS). Full banking infrastructure. Part of Blackstone portfolio.

Savers looking for competitive interest rates. Not an investment platform — pair with a separate broker for investing.

Standard plan: 1 free trade/month, then €1/trade. Plus plan (€8.99/m): 3 free trades. Premium (€14.99/m): 5 free trades. Metal (€45/m): unlimited. No custody fees.

2,500+ stocks & ETFs (fractional from $1), crypto (80+ tokens), commodities (gold, silver). No bonds, options, or futures. Savings vaults with interest.

Lithuanian banking license. Must declare as foreign account (CAP form). No automatic TOB collection — you handle it yourself. Dividend withholding tax not automatically reported. DIY tax compliance required.

Lithuanian banking license (ECB supervised). €100,000 deposit guarantee (Lithuanian scheme). Securities held by DriveWealth (US broker) or Revolut Securities. Biometric app security.

Casual investors who want an all-in-one app (spending + saving + investing). Great for small, regular investments. Not ideal for serious portfolio building.

No account fees. Top fee score (90/100). Competitive savings and term deposit rates. Consumer credit products.

Savings accounts, term deposits, consumer loans, auto financing. No investment products, no stocks, no ETFs, no funds.

Belgian branch of Santander. Treated as Belgian account for tax purposes — no foreign account declaration needed. Withholding tax on interest handled automatically.

Part of Banco Santander (one of the world's largest banks). Belgian deposit guarantee (€100,000) via Belgian branch. FSMA supervised.

Savers seeking competitive interest rates with no account fees. Not for investors — pair with a broker for investing.

From €2 per trade on Belgian/Dutch markets. US: from $1. Volume discounts for active traders (Classic/Platinum/VIP tiers). Custody fee: 0.12%/year (min €12/quarter) on Classic tier.

40,000+ stocks, 7,000+ ETFs, bonds, options, futures, mutual funds, CFDs, forex. Award-winning SaxoTraderGO platform with excellent charting.

Danish bank with Belgian branch. Must declare as foreign account. TOB handled automatically for Belgian clients. Dividend withholding tax: partially automated. Good Belgian tax support overall.

Danish FSA regulated. €20,000 investor compensation (Danish scheme). €100,000 deposit guarantee. Listed on Nasdaq Copenhagen. Bank-grade security infrastructure.

Intermediate to advanced investors who value a professional platform and want access to bonds, options, and futures alongside regular stocks and ETFs.

€1 flat per trade (buy or sell). Savings plans (recurring investments) are 100% free. No custody fees. 2% interest on uninvested cash (up to €50,000).

9,000+ stocks & ETFs, fractional shares from €1, 500+ free savings plan ETFs, bonds, crypto. No options or mutual funds.

Foreign account: must file CAP form with National Bank of Belgium. No automatic TOB (stock exchange tax) collection — you must declare and pay it yourself quarterly. 30% withholding tax on dividends/interest must also be declared. Consider accumulating ETFs (like VWCE) to avoid dividend paperwork.

German BaFin regulated. €100,000 deposit guarantee (German scheme). Securities held in separate custody — protected even if Trade Republic goes bankrupt.

Long-term investors who want ultra-low costs and are comfortable handling their own Belgian tax obligations. Ideal for monthly savings plans into accumulating ETFs.

Standard account fees apply. Fund investment entry fees ~1-2%. Savings accounts are fee-free. Average cost structure for a cooperative bank.

Savings accounts, term deposits, own funds, insurance, pension savings. Limited self-directed investing. Focus on ethical/social banking.

100% Belgian — automatic tax handling. All TOB, withholding tax managed. No foreign declaration needed.

Belgian cooperative bank (Ghent-based). FSMA & NBB supervised. €100,000 deposit guarantee. Part of Cera/KBC ecosystem. Ethical banking charter.

Socially conscious savers in East Flanders who value ethical banking. Not ideal for active self-directed investing.