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Warning: borrowing money also costs money.
LOANS

Direct Reserve, the credit facility on your payment account

IN PRACTICE

Gain freedom…

... with a cash reserve available at all times. The Direct Reserve is a credit facility linked to your payment account for a set amount. It allows you to go overdrawn on this account.

THE BENEFITS

A balanced budget

Once the credit is accepted, you have a cash reserve that you can use whenever, wherever, and however you want. The assurance of a balanced budget!

MORE INFORMATION

Handle everything online

From application to signature – after acceptance of your application – you can settle everything online, easily and securely. Need advice or guidance? Our advisors are at your disposal.

Go overdrawn?

With the Direct Reserve, you make every payment with peace of mind, even at the end of the month. Discover the other benefits.

Optimise your budget management

You can manage your Direct Reserve as you wish, as long as you do not exceed 90 days of overdraft.

Limited interest

You only pay interest on the used amount of the reserve. If you do not use your reserve, it does not cost you anything.

You are in control

With Easy Banking Web or Easy Banking App, you can manage all your expenses and payments yourself, wherever and whenever you want.

Do you need a Direct Reserve credit?Apply online

Other solutions adapted to your budget

We offer tailored solutions to keep your budget balanced.

  • Rondo, the credit line linked to your debit card

    Use this reserve of money as you wish: for purchases, transferring money to your payment account, or withdrawing cash. And repay it at your own pace!

    Discover Rondo

  • Optiline, the credit line linked to your credit card

    Thanks to this reserve, repay at your own pace the online or in-store purchases made with your credit card.

    Discover Optiline

  • Personal loan (instalment loan)

    With this personal loan, you have a budget of €1,250 to €50,000 for your projects. No need for an invoice or proof of purchase to make your personal project a reality.

    Discover the instalment loan

Legal information

Direct Reserve - Loan type: credit facility. The provisions relating to consumer credit in Chapter 1, Title 4, Book VII of the Economic Law Code apply. Subject to acceptance of your application. Lender: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

Rondo and Optiline - Loan type: credit facility. The provisions relating to consumer credit in Chapter 1, Title 4, Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8/C, 1000 Brussels – VAT BE 0445.781.316 – RPM Brussels, a subsidiary of BNP Paribas Fortis SA. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

Personal Loan - Loan type: instalment loan. The provisions relating to consumer credit in Chapter 1, Title 4, Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8/C, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.

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