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Attention, borrowing money also costs money.
LOANS

Optiline, the credit line linked to your credit card

IN PRACTICE

Staggered repayments

Optiline¹ is a credit line linked to your credit card. Use it to make purchases (online) and stagger the repayment of your expenses, at your own pace.

YOUR ADVANTAGES

Optimal payment comfort

You decide how to spread out the repayment of your expenses, with a minimum of 5.60% of the remaining balance or the total reserve amount.

MORE INFORMATION

Pay online

The application is done entirely online, securely and easily. You can also go through your agency. Need advice or guidance? We're here for you!

Adapt your repayments yourself

Repay everything at once or spread it out? With Optiline's flexibility, you can keep your budget in balance. Discover the other advantages!

Repay at your own pace

You repay your credit card expenses each month, at your own pace, with a minimum of 5.60% of the outstanding balance or the total credit amount.

You can re-borrow any amount already repaid.

Limited interest

You only pay interest on the used credit amount. If you don't use your reserve, it doesn't cost you anything.

You're in control

You manage your expenses and repayments online. You can also transfer money from Optiline to your payment account. Enjoy these practical services also via Optiline Phone Express at 02 508 44 40.

Watch out for the zero-interest period

Using Optiline is subject to a zero-interest period, i.e. the date by which you must repay the total borrowed amount. It is calculated based on the credit line amount and the date of first use.

Want to know more?

Get more information through the various documents at your disposal:

Not satisfied?

For any question, you can, in the first instance, contact your advisor or consult Article 21 of the general banking conditions.

Complaints can be submitted to BNP Paribas Fortis SA, Complaint Management Service, Montagne du Parc 3, 1000 Brussels, or to AG SA, Complaint Management Service, Boulevard É. Jacqmain 53, 1000 Brussels, by phone at 02 664 02 00 or by email to customercomplaints@aginsurance.be.

Need Optiline?Apply online

ALSO INTERESTING FOR YOU

Other solutions adapted to your budget

We offer tailored solutions to keep your budget in balance.

  • Direct Reserve, the credit facility on your payment account

    This cash reserve allows you to go overdrawn on your account. Use it where, when, and as you like.

    Discover the Direct Reserve

  • 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

  • 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

  • No credit card as yet?

    With a credit card*, you can travel with peace of mind and easily make all your online and worldwide purchases. Plus, you benefit from a repayment period.

    Discover our offer

* Subject to acceptance of your application

Pay cash or borrow?

You're preparing a major purchase but wondering whether to pay cash or borrow money? Compare and discover the best solution for you.

Learn more

Budget management

Housing, car, food, leisure... You have questions about budget management?

Learn more

Legal information

Optiline and Rondo - Credit form: credit line. The provisions regarding consumer credit of Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8 Box 3, 1000 Brussels – TVA 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 – TVA BE 0403.199.702.

Direct Reserve – Loan type: credit line. The provisions regarding consumer credit of Chapter 1 of Title 4 of 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 – TVA BE 0403.199.702.

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

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