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!
Daily banking
Bank accounts
Bank cards
Payments
Save and invest
Invest
Save and invest with a goal
Our investment solutions
Financing a property
Finance a vehicle
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
By your side
Specific approach
Online and mobile banking
Daily banking
Bank accounts
Bank cards
Payments
Our advice
Did you know?
Save and invest
Invest
Save and invest with a goal
Our investment solutions
Our advice
Did you know?
Financing a property
Finance a vehicle
Fund a project
Our advice
Borrowing money also costs money
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
Our expertise
Did you know?
By your side
Specific approach
Online and mobile banking
Contact us
Did you know?
Attention, borrowing money also costs money.
LOANS
Optiline, the credit line linked to your credit card
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.
Optiline Protection*
What are the main risks covered by Optiline Protection insurance?
In the event of death, the insurer pays a capital equal to the credit line balance at the time of death
In the event of disability, the insurer pays, after the expiration of a waiting period, the amount of the credit line balance due at the time of the accident or illness causing the disability
Intervention in case of theft or involuntary damage within 90 days from the date of purchase with your credit card
What are the main risks not covered by Optiline Protection insurance?
Death or disability following a pre-existing illness or an accident prior to this date
Usual exclusions such as: suicide within a year, war, professional fault of the insured, dangerous sports...
Fraudulent use of the card after gross negligence
Discover the complete list of all covered and non-covered risks
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You'll find all the details about the coverage in the general conditions. The information sheet contains the main characteristics of this insurance. Ask your advisor for a quote or call the Easy Banking Centre at 02 433 41 36.
* Optiline Protection is a life insurance policy from AG, distributed by BNP Paribas Fortis and valid for the entire credit duration.
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.
If the proposed solution does not satisfy you, you can submit your complaint to the Insurance Ombudsman by email to info@ombudsman-insurance.be, by mail to Square de Meeûs 35, 1000 Brussels, or on their website www.ombudsman-insurance.be.
Need Optiline?Apply online
Protect yourself and your loved ones
Life is full of surprises. Protect yourself and your loved ones from financial problems in case of death or disability with Rondo Protection Insurance.
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Instalment loan insurance from AG
This optional insurance (collective insurance, branch 21) covers the repayment of your loan in case of invalidity or death.
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Unemployment insurance from AG
This optional insurance (collective insurance, branch 16) covers the repayment of your loan in case of job loss.
ALSO INTERESTING FOR YOU
Other solutions adapted to your budget
We offer tailored solutions to keep your budget in balance.
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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.
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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!
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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.
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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.
* 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.
Budget management
Housing, car, food, leisure... You have questions about budget management?
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.
Optiline protection is a life insurance policy from AG, a Belgian public limited company, distributed by BNP Paribas Fortis and valid for the entire credit duration.
AG Insurance SA – Boulevard É. Jacqmain 53, 1000 Brussels – RPM Brussels – TVA BE 0404.494.849 – www.aginsurance.be. Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels. Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, 1000 Brussels – RPM Brussels – TVA BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a participation of more than 10% in AG Insurance SA.
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