Key rates, tax updates, and market changes that affect Belgian investors. Updated regularly. Last update: April 8, 2026.
The European Central Bank reduced its deposit facility rate by 25bps to 2.50%. This is the 6th consecutive cut since June 2024. Impact: savings rates will continue to decline — consider moving excess cash above your emergency fund into broad ETFs. Mortgage rates may dip slightly in coming weeks.
MeDirect reduced its top savings rate from 3.05% to 2.80%. Still the best regulated savings account in Belgium. Santander Consumer Finance follows at 2.65%. Traditional big banks remain at 0.50–1.10%.
The Belgian government confirmed TOB rates stay at: 1.32% for accumulating ETFs, 0.12% for distributing ETFs, 0.35% for stocks. Caps unchanged. No new legislation expected this year.
Amundi launched PRWU (IE000BI8OT95) — a global equity ETF tracking the Solactive GBS Global Markets Large & Mid Cap index at just 0.05% TER. This undercuts IWDA (0.20%) and VWCE (0.22%). Available on Euronext. Consider for new DCA purchases if you want lowest possible costs.
No change to pension savings limits. €1,020 for 30% deduction, €1,310 for 25%. The anticipative tax at age 60 remains at 8%. Remember: deadline is December 31, 2026.
Average fixed 20yr mortgage rate: 3.15% (down from 3.40% in Jan). Variable rates from 2.60%. With ECB continuing to cut, expect further relief in H2 2026. If refinancing, compare offers from at least 3 banks.
DEGIRO's free ETF list for 2026 still includes: IWDA, VWCE, EMIM, plus several bond ETFs. One free transaction per month per ETF. Check the full list in your DEGIRO account under "Core Selection".
| Bank | Base rate | Fidelity premium | Total | Min. hold | Type |
|---|---|---|---|---|---|
| MeDirect Fidelity | 0.90% | 1.90% | 2.80% | 12 months | Regulated |
| Santander Consumer | 0.80% | 1.85% | 2.65% | 12 months | Regulated |
| CKV | 0.70% | 1.80% | 2.50% | 12 months | Regulated |
| MeDirect Monthly | 1.40% | 0.60% | 2.00% | 12 months | Regulated |
| Keytrade Bank | 0.50% | 1.30% | 1.80% | 12 months | Regulated |
| Argenta | 0.50% | 1.25% | 1.75% | 12 months | Regulated |
| Belfius | 0.50% | 0.60% | 1.10% | 12 months | Regulated |
| KBC | 0.50% | 0.50% | 1.00% | 12 months | Regulated |
| ING | 0.50% | 0.35% | 0.85% | 12 months | Regulated |
| BNP Paribas Fortis | 0.50% | 0.30% | 0.80% | 12 months | Regulated |
Regulated savings accounts: first €1,020 in interest is tax-free (2026). Above: 15% withholding tax. Fidelity premium requires money to stay 12 months. Rates as of April 2026 — check bank websites for current offers. Source: spaargids.be / guide-epargne.be.