Discover BNP Paribas Fortis's regulated savings accounts. They all offer the same degree of security and flexibility.
Attractive saving rate up to €100,000
Need an additional savings account?
Balance capped at €100,000 per account
Unlimited amount
Payments can be regular (via automatic savings) or one-off.
Payments can be regular (via automatic savings) or one-off.
A single account opened in the name of the same holder(s) (maximum 2 joint holders) with BNP Paribas Fortis or de Hello bank!
Not applicable
Insolvency risk and inflation risk
Insolvency risk and inflation risk
The new classification defined by the federal government and the banking sector establishes the following:
Insolvency risk: Funds deposited in a BNP Paribas Fortis savings account are covered by the deposit protection scheme up to a maximum of €100,000 per person. In the event of bank insolvency or risk of insolvency, the saver bears the risk that any claims exceeding €100,000 may be converted into shares (‘bail-in’) or partially/fully lost. Further details are available in the Deposit Protection Information Sheet.
Inflation risk: Persistent price increases may erode the value of deposited funds.
These 2 savings accounts are regulated savings accounts under Belgian law from BNP Paribas Fortis. They are open for an indefinite period.
Before opening a savings account, read the Essential information for savers document. You can find more general information on regulated savings accounts here: www.bnpparibasfortis.be/en/public/individuals/save-and-invest/savings-info
The interest rates mentioned on this page may be changed at any time. Customers will be notified of any changes via their account statements.
The interest rate on a savings account consists of a gross basic rate and a gross loyalty bonus, which may vary depending on market conditions.
Basic rate
The basic rate is the rate you receive for all amounts you deposit into your savings account. Your money earns interest every day it’s in your account (starting from the calendar day after the deposit). You receive your basic-rate interest on 1 January of each year or when your account is closed.
Loyalty bonus
You receive a loyalty bonus on all deposits that remain in your savings account for 12 consecutive months. Any loyalty bonuses you receive then generate interest in turn. A loyalty bonus is paid on the first day following the end of the quarter in which it vested (1 January, 1 April, 1 July or 1 October, or when the account is closed).
The loyalty bonus may fluctuate, but is guaranteed for the entire vesting period. To give a practical example, if you deposit €100 into your savings account on 10 January 2026, then 12 months later, on 11 January 2027, you will receive the loyalty bonus that was applicable on 10 January 2026, whether or not the loyalty bonus has been changed in the meantime.
Note: If you withdraw all or part of your money before the 12-month term expires, you will forfeit the loyalty bonus for the withdrawn amount.
If the bank modifies the loyalty bonus rate after a deposit is made, the applicable bonus will be calculated based on the rate in effect at the time of that deposit.
These savings accounts are free of charge, except for postage fees if account statements are sent to your home by post. If the balance of a savings account is less than €25 and no withdrawals or deposits have been made for 10 years, a fee of €2.50 will be charged each year, but only if the account holder is 24 years or older and has no other accounts with BNP Paribas Fortis.
The bank does not deduct any professional withholding tax from the interest on your regulated savings account, provided that the interest doesn’t exceed the annual tax-free amount of €1,020 (for interest income in 2025 until 2029). For a savings account opened in the name of two married/cohabiting individuals, the bank doesn’t deduct any professional withholding tax, provided that the interest does not exceed twice that amount, i.e. €2,040 (for interest income in 2025 until 2029). This tax regime applies to individual customers who are Belgian residents.
If you’re resident in Belgium for tax purposes, each year, you must check the total amount of interest you receive on regulated savings accounts based on your assets/marital regime (as well as accounts legally controlled by you on behalf of children under 18) and from which banks have not deducted any professional withholding tax. If that total exceeds the annual tax-free amount of €1,020 per taxpayer (assuming tax residence for the entire income year), you must declare the amount of interest above that level in your personal income tax return. The non-exempt portion of your interest is subject to a 15% professional withholding tax.
Any complaint about our products or services should be sent by post to BNP Paribas Fortis SA – Complaints Department – Montagne du Parc 3, 1000 Brussels or by email to gestiondesplaintes@bnpparibasfortis.com.
If you are not satisfied with the bank’s proposed solution, you can submit a complaint to Ombudsfin (Mediation Service on Financial Matters). To file your complaint and ensure efficient handling, please use the form available on the website: Ombudsfin - Introduce a complaint. Email (only if you encounter issues with the online form): ombudsman@ombudsfin.be.
Save every time you make a debit card payment or bank transfer. Easy Save rounds up the amount paid to the next euro and deposits the difference into your savings account.
Put aside a fixed amount or the credit balance in your current account at a given time each month using a standing order. A good solution for regular savings!
