High Fidelity

Account's key features

• The basic interest rate of
  0,90
  applies to all amounts deposited into your account from the day after they have been deposited. It is valid for existing and new clients. The interest is calculated on an annual basis and paid on the 1st of January.
• The fidelity premium is paid 4x/year: 1 January, 1 April, 1 July and 1 October. The fidelity premium is earned for all amounts that remain in your account for 12 consecutive months.
• The fidelity premium can be changed at any time. The fidelity premium in force at the time of deposit or at the start of a new fidelity period remains in force for the entire fidelity period of twelve months.
• Your money earns interest from the day after it is paid into your savings account.
• No charges: no management fee, no charge for withdrawals, and no charge for your online bank statements. Possible postal and other costs: 1,50^EUR per letter and per account.
• Your money remains available at all times.
• Duration: undetermined duration.
• Tax: There is no withholding tax due on the first interest tranche of 1020^EUR for the income year 2024 (above this tranche the withholding tax is 15%). This exemption applies per account, per private individual with residence in Belgium, and per year. This amount is doubled for accounts opened in the name of married persons or live-in partners (in other words maximum 2040^EUR for the income year 2024).
• Risks:
  • Bankruptcy risk: In case of bankruptcy or bankruptcy risk of the financial institution, the depositor bears the risk of not recovering its savings or may be subject to a reduction / capital equity conversion (bail-in) of the amount of claims he has on the financial institution above 100,000 euros, an amount that falls under the French deposit protection mechanism. Assets at Keytrade Bank are protected by the French deposits guarantee system. More info on this protection mechanism is to be found on the site of the “Fonds de garantie des dépôts et de résolution (http://www.garantiedesdepots.fr/)
  • Inflation risk: the continuously rising prices may lead to a possible loss of value of your savings.
• Complaints: If you have a complaint, please contact our Quality Care Service: If the complaint is not handled to your full satisfaction, you may submit it to the Mediation Service Banks Credit Investments: www.ombudsfin.be - ombudsman@ombudsfin.be
• The High fidelity savings account is a regulated savings account under Belgian law of category A of Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France). The account is for online use only. The basic interest rate and the fidelity premium can be modified by the bank at any moment. The client will be notified of any modifications by email and by an announcement on the transaction site. * The following 3 categories exist:
  • Category A: This is a classic regulated savings account. The basic interest rate and fidelity premium are without any condition.
  • Category B: This is a classic regulated savings account with certain amount conditions. These conditions can be either a maximum savings amount or a maximum/minimum deposit per month.
  • Category C: These are regulated savings accounts linked to an age category, such as a youth account for example.

Please read the following document before opening a High Fidelity savings account.