Best savings account in Belgium (2026)
Updated · figures checked 2 November 2026
The short version
- For a lump sum with no cap, Keytrade Bank High Fidelity had the best uncapped total we found, with English pages and terms.
- For money you add each month, the capped booster accounts (Belfius Flow, Hello bank! Boost, vdk Ritme, Argenta, KBC, Crelan) pay far more, but only on a fixed monthly amount.
- MeDirect Essential pays most of its return as base rate, so it suits money you may need before twelve months.
- The fidelity premium is only paid on money left twelve months without interruption, and the tax exemption on regulated savings applies to Belgian residents only, per person across all accounts.
Values link to the provider page we read on the date shown on hover. Prices change: confirm on the provider's site before you sign.
Belgian savings accounts work differently from most countries. The rate you see advertised is usually two numbers added together: a small base rate paid on everything, and a much larger fidelity premium paid only on money that stays put for a full year. On top of that, regulated accounts have a tax exemption that makes them attractive for residents, and banks now split their accounts into categories with monthly or balance caps.
This guide is for expats who have a Belgian current account and want to put savings aside, whether that is an emergency fund, a deposit for a flat, or money moved over from home. We compared the regulated savings accounts of eleven banks on what they published on 2 November 2026: the best capped account, the best uncapped account, the two parts of the rate, the limits and how you open the account.
What decides the choice is simple. How much do you want to park, and will you add a fixed amount each month or put in a lump sum? Then check whether you can deal with the bank in English and whether you can open the account without a branch visit.
How to choose a savings account in Belgium
Base rate and fidelity premium
Wikifin, the financial education site of the FSMA, explains the rule that drives every Belgian savings account: The fidelity premium is only earned on amounts that stay on the account for 12 months without interruption; the base rate is earned from the day after deposit at the latest. (source, checked 2 November 2026) In practice, if you deposit money in March and withdraw it in January, you get only the base rate on it. If you withdraw part of a balance, the bank’s savers’ information sheet explains which deposits the withdrawal is taken from.
So the “total” in the table only applies to money that stays for a year. If you think you may need the money sooner, look at the base rate column, not the total.
Categories A, B and C
Since early 2024 every regulated account carries a category letter. Since 15 January 2024 every document on a regulated savings account must state its category: A (no conditions), B (amount conditions such as a monthly or balance cap), C (reserved for an age group). (source, checked 2 November 2026) The best rates are almost all on category B accounts, because the cap limits what the bank pays out. Category A accounts take any amount and have no conditions. A sensible set-up for many savers is one category B booster account fed by a monthly standing order, plus one category A account for the rest.
The tax exemption, and who gets it
Regulated savings are attractive because of a tax rule: Interest on regulated savings accounts is tax-free up to €1,020 per taxpayer per year; above that, 15% withholding tax applies. (source, checked 2 November 2026) For a joint account: For an account in the name of two spouses or legal cohabitants, the exemption is €2,040 per year. (source, checked 2 November 2026) The ceiling is set for each income year; banks print it on their savers’ information sheets. The €1,020 ceiling applies to income year 2026, as stated in banks' legally required savings information sheets (e.g. Argenta, ING). (source, checked 2 November 2026)
Two points matter for expats. First, the exemption is per taxpayer, across all your regulated accounts at all banks, even though some bank sheets say “per account”. The Wikifin page on interest from regulated savings explains that if the total goes above the ceiling and not enough tax was deducted, you declare the excess. Second, The exemption on bank sheets is described as applying to natural persons with residence in Belgium. (source, checked 2 November 2026) If you are not yet registered as resident, or you keep tax residence elsewhere, ask the bank how it will treat your interest.
Non-regulated accounts are different: Interest on non-regulated savings accounts is taxed at 30% withholding tax from the first cent. (source, checked 2 November 2026) That is why this guide focuses on regulated accounts.
The FPS Finance page on investment income was behind a bot check when we checked; the figures above come from Wikifin and the banks’ legally required sheets.
Deposit protection
Belgian banks are covered by the Belgian deposit guarantee scheme. Two banks here are branches of foreign EU banks: Keytrade Bank (France) and Triodos (Netherlands). For them, deposit protection follows the home-country scheme. Keytrade states it is covered by the French scheme.
Language and opening
Only some banks publish their savings pages in English: Keytrade Bank, MeDirect, KBC and Hello bank!. The others publish in Dutch and French, and their legally required information sheets are in those languages too. Most accounts can be opened online once you are a client; a few still need a branch visit.
The providers compared
Banks are listed in score order, as in the table. Rates are gross annual rates as published on our check date and change often.
1. Keytrade Bank 6.2/10
Ranked 1 of 11 rated providers in this guide.
Best for: Savers with larger balances who want the best uncapped fidelity rate and English documentation.
Keytrade Bank is the Belgian branch of Arkéa Direct Bank, a French bank. It is online only, with English savings pages and English product terms, which makes it one of the easiest banks here for an English speaker to understand.
Its best account is High Fidelity (Cat. A): a base rate of 0.50% plus a fidelity premium of 1.50%, for a total of 2.00% on money left twelve months. The limit is None (Cat. A, no conditions), which is the point: this is the best uncapped account we found. Keytrade does not offer a higher-rate monthly booster, so it is a home for a lump sum rather than for a monthly plan.
There are no management or withdrawal fees; letters sent by post are charged. The account is for online use only (Online only (account for online use)). The documents asked from newcomers were not published on the pages we read. Complaints go to its Quality Care Service by email.
One difference to know: as a branch of a French bank, deposits are protected by the French deposit guarantee scheme, not the Belgian one. Keytrade also notes that the tax exemption applies to private individuals resident in Belgium.
Keytrade suits savers with a larger balance who want the best uncapped rate and documents in English.
- Highest-yield regulated account
- High Fidelity (Cat. A)
- Base rate
- 0.50%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 2.00%
- Limit on that account
- None (Cat. A, no conditions)
- Best account with no amount limit
- High Fidelity: 0.50% + 1.50% = 2.00%
- How to open (as published)
- Online only (account for online use)
What works
- Best uncapped rate found (2.00%)
- English website and terms
- No monthly cap
Watch out
- Online only, no branches
- Deposit protection is the French scheme, not the Belgian one
How this 6.2/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 8/10 | High Fidelity's 2.00% is the best uncapped total in this guide, but there is no higher-rate booster account. |
| English accessibility (25%) | 4/10 | Keytrade's savings pages and product terms are published in English; app and support language were not verified. |
| Service (20%) | 5/10 | Online-only bank; complaints go to its Quality Care Service by email per the product page. |
| Simplicity (10%) | 6/10 | Account is for online use only; newcomer documents not published on the pages checked. |
| Digital (5%) | 7/10 | Online-only account with notifications by email. |
Regulator: FSMA 'Check your provider' register (home supervisor: France), 0879.257.191 (checked 2026-11-02).
2. MeDirect 6.2/10
Ranked 2 of 11 rated providers in this guide.
Best for: Online savers who want most of the return as base rate (flexible money) and English pages.
MeDirect is an online bank with an English savings comparison page. It ties with Keytrade on our score but takes a different approach: more of its return is base rate, so you earn it from day one.
Its best account is Essential Savings (Cat. B). The base rate is 1.40% and the fidelity premium 0.80%, for a total of 2.20%. The catch is the limit: Max €25,000. For larger sums, its best uncapped option is Fidelity Savings (Cat. A): 0.20% + 1.50% = 1.70%, which puts most of the return back into the fidelity premium.
How to open: On the bank's website (online use only). There are no branches. App, contract and support language were not verified, so expect at least some documents in Dutch or French.
The high base rate is what makes MeDirect useful for expats. In your first year in Belgium you may need cash for a rental deposit, furniture or a car at short notice. Money withdrawn before twelve months still earned the base rate, and at MeDirect that base rate is a large part of the total. MeDirect’s English page also restates the yearly exemption ceiling.
It suits online savers who want flexible money working from day one, and who have an amount that fits under the cap.
- Highest-yield regulated account
- Essential Savings (Cat. B)
- Base rate
- 1.40%
- Fidelity premium
- 0.80%
- Base + fidelity (after 12 months)
- 2.20%
- Limit on that account
- Max €25,000
- Best account with no amount limit
- Fidelity Savings (Cat. A): 0.20% + 1.50% = 1.70%
- How to open (as published)
- On the bank's website (online use only)
What works
- High base rate (1.40%) earned without waiting 12 months
- English pages
- 1.70% uncapped option
Watch out
- Online only
- Essential capped at €25,000
How this 6.2/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 8/10 | Essential totals 2.20% up to €25,000 with 1.40% earned from day one, and Fidelity 1.70% uncapped. |
| English accessibility (25%) | 4/10 | MeDirect publishes its savings comparison page in English; app, contract and support language were not verified. |
| Service (20%) | 5/10 | Online-only bank; accounts reserved for internet use. |
| Simplicity (10%) | 6/10 | Accounts are opened on the website. |
| Digital (5%) | 7/10 | Fully online accounts. |
Regulator: FSMA 'Check your provider' register, 0553.851.093 (checked 2026-11-02).
3. KBC / KBC Brussels 5.9/10
Ranked 3 of 11 rated providers in this guide.
Best for: KBC current-account holders who can set aside a fixed monthly amount and want English product information.
KBC is one of the big Belgian banks and, in Brussels, operates as KBC Brussels. It publishes English versions of its savings pages, and many expats already hold their current account there.
Its best account is KBC-Start2Save (Cat. B): 1.65% base plus 1.50% fidelity, so 3.15% on money left a year. The conditions are strict: Max €500/month via monthly automatic order only; one Start2Save per person. Start2Save can only be fed by one automatic monthly order, and KBC returns any transfer above the cap in full. You cannot top it up by hand.
For everything else, the uncapped account is weak: KBC-Spaarrekening: 0.40% + 0.20% = 0.60%, one of the lowest uncapped totals in this guide. Paper statements are charged; the account itself is free. How to open as a newcomer: not publishedad on the pages we read; KBC refers clients to its branches and its digital channels.
KBC suits existing KBC current-account holders who can set aside a fixed sum every month and like having product information in English. Keep a lump sum elsewhere.
- Highest-yield regulated account
- KBC-Start2Save (Cat. B)
- Base rate
- 1.65%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.15%
- Limit on that account
- Max €500/month via monthly automatic order only; one Start2Save per person
- Best account with no amount limit
- KBC-Spaarrekening: 0.40% + 0.20% = 0.60%
- How to open (as published)
- not publishedad
What works
- Savings pages available in English
- 3.15% on a €500/month saving plan
Watch out
- Uncapped savings account only 0.60%
- Start2Save accepts only one monthly automatic order
How this 5.9/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 7/10 | Start2Save totals 3.15% but only on €500/month; the uncapped savings account totals 0.60%, among the lowest uncapped totals here. |
| English accessibility (25%) | 4/10 | KBC publishes English versions of its savings pages (kbc.be/retail/en); app, contract and support language were not verified. |
| Service (20%) | 7/10 | KBC refers clients to its branch network (KBC-kantoor) and digital channels for rates and changes. |
| Simplicity (10%) | 4/10 | Start2Save can only be fed by one monthly automatic order; opening steps for newcomers are not published on the pages checked. |
| Digital (5%) | 5/10 | Rates and products are presented with KBC Mobile; online opening of the savings account was not verified. |
Regulator: FSMA 'Check your provider' register, 0462.920.226 (checked 2026-11-02).
4. ING Belgium 5.9/10
Ranked 4 of 11 rated providers in this guide.
Best for: Savers who want a decent uncapped fidelity rate at a large branch bank.
ING Belgium is a large branch bank with web banking and self-banking. Its product pages were unreachable when we checked, so we relied on its official product sheet and its English newsroom.
The best account is ING Tempo Savings (Cat. B), with 1.60% base and 1.50% fidelity, a total of 3.10%. Deposit limit: check current pricead. We could not confirm the cap on an ING product page, so check it before you set up a monthly order.
The uncapped account is better than at most branch banks: ING Spaarrekening (Cat. A): 0.10% + 1.40% = 1.50%, with no minimum or maximum deposit according to the product sheet. How to open: ING Spaarrekening: in a branch or on the bank's website. The product sheet also lists a yearly charge for postal and other costs, and the fidelity premium is paid four times a year, on fixed dates.
English is limited to the newsroom announcements we could read; the language of the product pages and the app could not be checked.
ING suits savers who want a branch bank with a reasonable uncapped fidelity rate and a high-rate monthly account, and who can handle Dutch or French paperwork.
- Highest-yield regulated account
- ING Tempo Savings (Cat. B)
- Base rate
- 1.60%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.10%
- Limit on that account
- check current pricead
- Best account with no amount limit
- ING Spaarrekening (Cat. A): 0.10% + 1.40% = 1.50%
- How to open (as published)
- ING Spaarrekening: in a branch or on the bank's website
What works
- Uncapped account at 1.50%
- High-rate Tempo monthly savings
Watch out
- Tempo deposit cap not confirmed on an ING product page (page unreachable)
- €5/year postal/other costs listed on the product sheet
How this 5.9/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 8/10 | Tempo Savings totals 3.10% and the uncapped ING Spaarrekening 1.50% (rates effective 1 July 2026). |
| English accessibility (25%) | 2/10 | ING publishes rate announcements in English on its newsroom; the ing.be product pages could not be fetched to check language versions. |
| Service (20%) | 7/10 | The product sheet lists branches, web banking and self-banking as channels. |
| Simplicity (10%) | 5/10 | The savings account can be opened on the website or in a branch per the product sheet; newcomer documents not checked. |
| Digital (5%) | 6/10 | Online opening on the bank's website is stated in the product sheet. |
Regulator: FSMA 'Check your provider' register, 0403.200.393 (checked 2026-11-02).
5. Argenta 5.8/10
Ranked 5 of 11 rated providers in this guide.
Best for: Savers who want a high uncapped fidelity rate plus a €500/month booster account and can manage in Dutch or French.
Argenta is a Belgian savings bank with branches across the country. Its savings pages exist in Dutch and French only. Its regulator status is shown as unverified only because the National Bank list was unreachable and the FSMA record did not show the credit-institution entry; it is a well-established Belgian bank.
Argenta has two strong accounts. The booster is Groeirekening (Cat. B), with 1.65% base and 1.50% fidelity, so 3.15%, limited to Max €500 per month. The uncapped account is Getrouwheidsrekening (Cat. A): 0.20% + 1.50% = 1.70%, among the highest uncapped totals in this guide.
Watch the timing. Argenta raised the rates on its fidelity account and two others in September 2026, and deposits made before that date keep the old fidelity premium. Money you add now earns the current rate.
There are no fees on Argenta’s regulated accounts, except postage if you choose paper statements. How to open: Groeirekening: via the app or a branch. Newcomer documents were not published.
Argenta suits savers who can manage in Dutch or French and want both a good uncapped rate and a monthly booster at the same bank.
- Highest-yield regulated account
- Groeirekening (Cat. B)
- Base rate
- 1.65%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.15%
- Limit on that account
- Max €500 per month
- Best account with no amount limit
- Getrouwheidsrekening (Cat. A): 0.20% + 1.50% = 1.70%
- How to open (as published)
- Groeirekening: via the app or a branch
What works
- High uncapped rate (1.70%) on the Getrouwheidsrekening
- Monthly saver at 3.15% for up to €500/month
Watch out
- No English version of the savings pages found
- Fidelity premium only after 12 months uninterrupted
How this 5.8/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 9/10 | Groeirekening totals 3.15% (capped €500/month) and the uncapped Getrouwheidsrekening totals 1.70%, among the highest uncapped totals in this guide. |
| English accessibility (25%) | 0/10 | The savings pages fetched have only a French alternate (hreflang fr); no English version was found. |
| Service (20%) | 7/10 | Accounts can be opened in a branch or via mobile banking according to Argenta's savings information sheet. |
| Simplicity (10%) | 5/10 | Opening is via the app or a branch; documents required for newcomers are not published on the pages checked. |
| Digital (5%) | 6/10 | Groeirekening and Getrouwheidsrekening can be opened in the app/mobile banking. |
We could not confirm this company in the FSMA register on 2026-11-02.
6. Belfius 5.8/10
Ranked 6 of 11 rated providers in this guide.
Best for: Belfius clients who save a fixed amount monthly and want the highest booster rate found.
Belfius is a Belgian bank with branches, Belfius Direct Net and the Belfius Mobile app. No English version of its savings pages was found.
On rate, Belfius has the strongest booster we found: Belfius Flow (Cat. B), paying 1.83% base plus 1.50% fidelity, so 3.33%. The cap is Max €600 per month, a little higher than the usual monthly cap on similar accounts. The uncapped option is Belfius Fidelity (Cat. A): 0.15% + 1.50% = 1.65%.
How to open: Branch, Belfius Direct Net or Belfius Mobile. Newcomer documents were not published on the pages we read.
The low English score is the only thing that holds Belfius back. If you read Dutch or French, or already bank there, it is hard to beat for a monthly savings plan.
- Highest-yield regulated account
- Belfius Flow (Cat. B)
- Base rate
- 1.83%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.33%
- Limit on that account
- Max €600 per month
- Best account with no amount limit
- Belfius Fidelity (Cat. A): 0.15% + 1.50% = 1.65%
- How to open (as published)
- Branch, Belfius Direct Net or Belfius Mobile
What works
- Highest capped rate found (3.33%, up to €600/month)
- Uncapped Fidelity account at 1.65%
Watch out
- No English savings pages found
How this 5.8/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 9/10 | Flow totals 3.33% on up to €600/month, the highest capped total in this guide, and Fidelity totals 1.65% uncapped. |
| English accessibility (25%) | 0/10 | No English version of the Belfius savings pages was found (Dutch pages fetched, English URLs returned 404). |
| Service (20%) | 7/10 | The Flow sheet lists branch, Self-Service Banking, Belfius Direct Net and Belfius Mobile as channels. |
| Simplicity (10%) | 5/10 | Flow can be opened online or in a branch; newcomer documents not published on the pages checked. |
| Digital (5%) | 6/10 | Opening via Belfius Direct Net or Belfius Mobile is stated on the Flow sheet. |
Regulator: FSMA 'Check your provider' register, 0403.201.185 (checked 2026-11-02).
7. Hello bank! (BNP Paribas Fortis) 5.8/10
Ranked 7 of 11 rated providers in this guide.
Best for: English-speaking newcomers who are comfortable with an app-only bank and save up to €500/month.
Hello bank! is the app-only brand of BNP Paribas Fortis. Its savings pages are in English, and accounts are opened in the app, which makes it one of the more accessible options for a newcomer. The BNP Paribas Fortis-branded pages were down when we checked, so this entry covers the Hello bank! offer only.
The best account is Boost Savings Account (Cat. B): 1.75% base, 1.50% loyalty bonus, 3.25% in total. The limits: Max €500/month; 1 account per (co-)ownership; no cash. If you are paid in cash or want to deposit cash, this account will not take it.
Outside the booster, the rate drops sharply: the general account is Savings Account: 0.30% + 0.20% = 0.50%. A Savings Account Plus pays more but has a balance limit. Hello bank! notes that deposits are covered by the deposit protection scheme.
How to open: Via the Hello bank! app. Branches are not a channel. The app’s language and the contract language were not verified.
Hello bank! suits English-speaking newcomers who are happy with an app-only bank and save a set amount each month. Lump sums earn more elsewhere.
- Highest-yield regulated account
- Boost Savings Account (Cat. B)
- Base rate
- 1.75%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.25%
- Limit on that account
- Max €500/month; 1 account per (co-)ownership; no cash
- Best account with no amount limit
- Savings Account: 0.30% + 0.20% = 0.50%
- How to open (as published)
- Via the Hello bank! app
What works
- English website
- 3.25% booster account opened in the app
Watch out
- Low uncapped rate
- No cash deposits on Boost
How this 5.8/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 7/10 | Boost totals 3.25% on €500/month, but the general Savings Account totals only 0.50% (Savings Account Plus 1.00% has a balance limit). |
| English accessibility (25%) | 4/10 | Hello bank! publishes its savings pages in English; app, contract and support language were not verified. |
| Service (20%) | 5/10 | Online/app bank: accounts are opened via the app; no branch channel stated on the pages checked. |
| Simplicity (10%) | 6/10 | Accounts are opened via the Hello bank! app per the English product pages. |
| Digital (5%) | 7/10 | App-based opening; Apple Pay and Google Pay listed in the site menu. |
Regulator: FSMA 'Check your provider' register, 0403.199.702 (checked 2026-11-02).
8. Crelan 5.0/10
Ranked 8 of 11 rated providers in this guide.
Best for: Savers comfortable in Dutch/French who want a branch bank with a high monthly-saver rate.
Crelan is a federation of Belgian credit institutions with a branch network; its regulated savings accounts are marketed by CrelanCo. We found no English pages: the English address led back to the Dutch homepage.
Its best booster is Crelan GoSave (Cat. B), with 1.50% base and 1.50% fidelity, so 3.00%. The conditions: Max €500/month; one holder; no cash. Joint accounts and cash deposits are excluded.
Crelan also has a branch-only account, Horizon Plus, that pays a high fidelity premium on large balances up to a high ceiling; check the current rate in a branch or on its information sheet. Its classic uncapped accounts are low: Crelan Spaarboekje / Direct boekje (Cat. A): 0.20% + 0.35% = 0.55%.
How to open: GoSave: branch, myCrelan or Crelan Mobile app. Horizon Plus requires a branch visit.
Crelan suits savers comfortable in Dutch or French who like a branch bank, and who want either a monthly booster or a home for a larger balance through Horizon Plus.
- Highest-yield regulated account
- Crelan GoSave (Cat. B)
- Base rate
- 1.50%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.00%
- Limit on that account
- Max €500/month; one holder; no cash
- Best account with no amount limit
- Crelan Spaarboekje / Direct boekje (Cat. A): 0.20% + 0.35% = 0.55%
- How to open (as published)
- GoSave: branch, myCrelan or Crelan Mobile app
What works
- 3.00% monthly-saver account opened online
- 1.60% on up to €500,000 (Horizon Plus)
Watch out
- No English pages found
- Horizon Plus requires a branch visit
How this 5.0/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 7/10 | GoSave totals 3.00% on €500/month and Horizon Plus 1.60% up to €500,000, but classic uncapped accounts only 0.55%. |
| English accessibility (25%) | 0/10 | crelan.be/en returned the Dutch homepage; no English savings pages were found. |
| Service (20%) | 7/10 | Sheets list branch, self-banking, web banking and mobile banking as channels. |
| Simplicity (10%) | 5/10 | GoSave can be opened online (myCrelan/app); Horizon Plus only in a branch. |
| Digital (5%) | 6/10 | GoSave opening via myCrelan or the Crelan Mobile app. |
Regulator: FSMA 'Check your provider' register, 0205.764.318 (checked 2026-11-02).
9. vdk bank 5.0/10
Ranked 9 of 11 rated providers in this guide.
Best for: Monthly savers in Flanders who want a high booster rate.
vdk bank is a Belgian bank. Its site is in Dutch and French only. As with Argenta, its regulator status shows as unverified only because the official lists we needed were unreachable or incomplete.
The booster is Ritme Spaarrekening (Cat. B): 1.67% base and 1.50% fidelity, so 3.17%, with a limit of Max €500 per calendar month. The uncapped option is lower: Rentespaarrekening (Cat. A): 0.20% + 0.40% = 0.60% (rates 'valid on 7 July 2025' per the page). Note that vdk’s own page for that account shows rates dated July 2025, so confirm the current rate before you move money.
How to open: Branch, mobile@vdk, online@vdk or the website. Newcomer documents were not published.
vdk suits monthly savers in Flanders who read Dutch and want one of the higher booster rates.
- Highest-yield regulated account
- Ritme Spaarrekening (Cat. B)
- Base rate
- 1.67%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 3.17%
- Limit on that account
- Max €500 per calendar month
- Best account with no amount limit
- Rentespaarrekening (Cat. A): 0.20% + 0.40% = 0.60% (rates 'valid on 7 July 2025' per the page)
- How to open (as published)
- Branch, mobile@vdk, online@vdk or the website
What works
- 3.17% monthly saver
- Can be opened online or in a branch
Watch out
- Dutch/French only
- Low uncapped rate
How this 5.0/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 7/10 | Ritme totals 3.17% on €500/month; the uncapped Rentespaarrekening totals 0.60%. |
| English accessibility (25%) | 0/10 | The vdk site offers Dutch and French only (language selector nl/fr). |
| Service (20%) | 7/10 | Opening possible in a branch, mobile@vdk, online@vdk or the website per the Ritme sheet. |
| Simplicity (10%) | 5/10 | Online opening stated; newcomer documents not published on the pages checked. |
| Digital (5%) | 6/10 | Mobile and online banking opening channels stated. |
We could not confirm this company in the FSMA register on 2026-11-02.
10. Beobank 4.1/10
Ranked 10 of 11 rated providers in this guide.
Best for: Savers parking €50,000 or more who already bank with Beobank.
Beobank is a Belgian bank. Its savings pages are in Dutch and French; only its online banking login page was found in English.
Its best account is Save Plus (Cat. B), balance ≥ €50,000, paying 0.30% base and 1.50% fidelity, so 1.80%. The condition is the opposite of the other banks: Min €50,000 for 1.50% fidelity (0.50% below). Below that threshold the fidelity premium is much lower. The best uncapped account is Fidelity Plus (Cat. A): 0.15% + 0.65% = 0.80%.
How to open: not publishedad on the page we read. Beobank Online uses itsme or a Digipass to log in.
Beobank only makes sense for savers who already bank there and can park a large balance. For most newcomers, the rates below that threshold are lower than at most banks in this guide.
- Highest-yield regulated account
- Save Plus (Cat. B), balance ≥ €50,000
- Base rate
- 0.30%
- Fidelity premium
- 1.50%
- Base + fidelity (after 12 months)
- 1.80%
- Limit on that account
- Min €50,000 for 1.50% fidelity (0.50% below)
- Best account with no amount limit
- Fidelity Plus (Cat. A): 0.15% + 0.65% = 0.80%
- How to open (as published)
- not publishedad
What works
- Rewards large balances (≥ €50,000)
Watch out
- Low rates below €50,000
- No English savings pages found
How this 4.1/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 5/10 | Best rate 1.80% needs at least €50,000; otherwise 0.80%, below most banks in this guide. |
| English accessibility (25%) | 2/10 | Only the Beobank Online login page was found in English; savings pages fetched are Dutch/French. |
| Service (20%) | 5/10 | Channels for savings accounts are not described on the overview page checked. |
| Simplicity (10%) | 4/10 | Opening process and documents not published on the page checked. |
| Digital (5%) | 4/10 | Beobank Online login uses itsme or Digipass; online opening of savings not verified. |
Regulator: FSMA 'Check your provider' register, 0401.517.147 (checked 2026-11-02).
11. Triodos Bank 3.5/10
Ranked 11 of 11 rated providers in this guide.
Best for: Savers who prioritise a sustainability-focused bank over rate.
Triodos is a Dutch bank with a Belgian branch that positions itself as a sustainability-focused bank. Its savings pages are in Dutch and French; the English address returned an error.
Its best account is Impact Savings Fidelity (Cat. A), paying 0.15% base and 1.05% fidelity, so 1.20%. The limit is None (Cat. A). That total is below most banks here. Paper statements are charged per statement.
How to open: Digital channels only. As a branch of a Dutch bank, deposit protection follows the Dutch scheme.
Triodos is for savers who care more about how the bank uses their money than about the rate.
- Highest-yield regulated account
- Impact Savings Fidelity (Cat. A)
- Base rate
- 0.15%
- Fidelity premium
- 1.05%
- Base + fidelity (after 12 months)
- 1.20%
- Limit on that account
- None (Cat. A)
- Best account with no amount limit
- Impact Savings Fidelity: 0.15% + 1.05% = 1.20%
- How to open (as published)
- Digital channels only
What works
- Sustainable bank positioning
- Online opening
Watch out
- Lower rates than most
- No English pages found
How this 3.5/10 is calculated
Verified criteria carry 100% of the scoring weight. Criteria we could not verify are left out and the others are reweighted.
| Product quality (40%) | 4/10 | Best total 1.20% (sheet dated 1 October 2026), below most banks in this guide. |
| English accessibility (25%) | 0/10 | triodos.be/en returned 404; savings pages fetched are Dutch/French. |
| Service (20%) | 5/10 | Online-use accounts; complaints address published on the sheet. |
| Simplicity (10%) | 6/10 | Accounts can only be opened via the bank's digital channels/website. |
| Digital (5%) | 6/10 | Online-only savings accounts. |
Regulator: FSMA 'Check your provider' register (home supervisor: Netherlands), 0450.507.887 (checked 2026-11-02).
If you save a fixed amount every month
This is where the best rates are. Belfius Flow, Hello bank! Boost, vdk Ritme, Argenta Groeirekening, KBC Start2Save and Crelan GoSave all reward a regular monthly deposit up to a cap. Set up a standing order from your current account on the day after your salary arrives. KBC returns any transfer above the Start2Save cap and accepts only one automatic order; check the rules of the others on their information sheets before planning to top up by hand.
Because the fidelity premium only comes after twelve months, a monthly plan takes a year to show its full rate. Each monthly deposit starts its own twelve-month clock.
If you have a lump sum to park
Capped accounts cannot take a lump sum. Look at the “best account with no amount limit” column instead. Keytrade Bank High Fidelity had the highest uncapped total we found, followed by Argenta and MeDirect. If you may need part of the money within the year, prefer an account with a higher base rate, because the fidelity premium on withdrawn money is lost.
Above the yearly tax-free ceiling, interest on regulated accounts is taxed. Splitting a large amount across several banks does not raise the ceiling, because it applies per taxpayer.
If you do not read Dutch or French
Keytrade Bank, MeDirect, KBC and Hello bank! publish their savings pages in English. Of these, Keytrade and MeDirect are online-only banks with good uncapped and base rates, KBC has a branch network, and Hello bank! is app-only. The legally required savers’ information sheets may still be in Dutch or French; a translation tool is enough to read the rate table.
If you have only just arrived
Many banks open a savings account alongside a current account at the same bank, and you should expect to be asked for proof of your Belgian address. Register at your commune first, open the current account, then add the savings account. Remember that the tax exemption is described as applying to residents of Belgium; until your registration is complete, ask the bank how it will treat your interest.
Step by step: opening a regulated savings account
- Decide your mix: a monthly booster account, a lump-sum account, or both.
- Check the category letter and the cap on the bank’s savers’ information sheet.
- Open a current account at that bank if you do not have one. Bring your passport or residence card and proof of address.
- Open the savings account online, in the app or in a branch.
- For a booster, set a monthly standing order at or below the cap.
- Note the date of each deposit. Money must stay twelve months to earn the fidelity premium.
- Each spring, add up the interest from all your regulated accounts and check it against the tax-free ceiling.
Our verdict
For a lump sum with no cap and documents in English, Keytrade Bank is the pick. MeDirect is better for money you may need before a year, thanks to its higher base rate. KBC and ING suit savers who want a big branch bank, with KBC strongest on English information and ING on its uncapped rate. Argenta, Belfius and Hello bank! offer the best monthly booster accounts, with Belfius paying the most and Hello bank! being the easiest to use in English. Crelan and vdk are solid branch banks for Dutch or French speakers. Beobank only fits large balances, and Triodos is a choice made for its sustainability approach rather than its rate.
Frequently asked questions
How much savings interest is tax-free in Belgium in 2026?
€1,020 of interest per taxpayer per year on regulated savings accounts (income year 2026), or €2,040 on an account held by spouses or legal cohabitants. Above that, 15% withholding tax applies. Source.
Is the €1,020 exemption per account or per person?
Per taxpayer. Wikifin says you must add up the interest on all your regulated savings accounts; if it exceeds €1,020 and not enough withholding tax was deducted, you declare the excess in your tax return. Source.
What is the difference between the base rate and the fidelity premium?
The base rate is earned daily from the day after deposit at the latest. The fidelity premium is only earned on money that stays on the account for 12 consecutive months. Source.
Why do the best rates come with a €500 monthly limit?
These are category B accounts, which carry amount conditions such as a maximum monthly deposit or balance. Examples: Belfius Flow (max €600/month), Argenta Groeirekening, KBC-Start2Save, Hello bank! Boost, Crelan GoSave and vdk Ritme (max €500/month). Source.
Which uncapped regulated savings account paid the most on 2 November 2026?
Among the banks checked, Keytrade Bank High Fidelity (0.50% + 1.50% = 2.00%), followed by Argenta Getrouwheidsrekening and MeDirect Fidelity Sparen (1.70%). Source.
Are savings with a foreign bank's Belgian branch protected?
They fall under the home-country scheme. Keytrade Bank, the Belgian branch of Arkéa Direct Bank SA, states its deposits are protected by the French deposit guarantee system. Source.
Can I open a savings account in English?
Some banks publish their savings pages in English (KBC, Keytrade Bank, MeDirect, Hello bank!). Argenta, Belfius, Crelan, vdk and Triodos savings pages were only found in Dutch/French. Source.
Official sources
- Wikifin (FSMA) - Interest on regulated savings accounts (tax exemption), checked 2 November 2026
- Wikifin (FSMA) - What is a savings account (base rate, fidelity premium, categories A/B/C), checked 2 November 2026
- FSMA 'Check your provider' records used for bank status, checked 2 November 2026
- www.wikifin.be: Interest on regulated savings accounts is tax-free up to €1,020 per taxpayer per year; above that, 15% withholding ta… (checked 2 November 2026)
- www.argenta.be: The €1,020 ceiling applies to income year 2026, as stated in banks' legally required savings information sheets (e.g.… (checked 2 November 2026)
- www.wikifin.be: For an account in the name of two spouses or legal cohabitants, the exemption is €2,040 per year. (checked 2 November 2026)
- www.wikifin.be: Interest on non-regulated savings accounts is taxed at 30% withholding tax from the first cent. (checked 2 November 2026)
- www.wikifin.be: The fidelity premium is only earned on amounts that stay on the account for 12 months without interruption; the base … (checked 2 November 2026)
- www.wikifin.be: Since 15 January 2024 every document on a regulated savings account must state its category: A (no conditions), B (am… (checked 2 November 2026)
- assets.ing.com: The exemption on bank sheets is described as applying to natural persons with residence in Belgium. (checked 2 November 2026)