FAQ

• How much do the current, savings and trading account cost me?
  
• How do I do cash withdrawals?
  
• How do I apply for the Bancontact / Maestro / Proton card?
  
• How do I apply for a VISA card ?
  
• What do I have to do if my debet or VISA card is lost or stolen?
  
• Can I use my savings account to do transfers?
  
• Can I request or change foreign currencies?
  
• How is the interest calculated on the savings account?
  
• Which internal money transfers are possible and how long does it take?
  
• How can I open an online savings account?
  
• Who can open a savings account?
  
• Is a minimum amount required to activate the savings account?
  
• Which interest will I get on the online AZUR savings account?
  
• When will the money on the savings account yield interest?
  
• How do I put money on my savings account?
  
• How do I do cash withdrawals from my savings account?
  
• Will Keytrade Bank be able to keep its high interest rate?
  
• What is the maximum amount of interests to be exempted from withholding tax?
  

  The savings accounts are exempted from withholding tax to an amount of € 1,660.00 annual interests. The withholding tax of 15% will be automatically deducted from the amount which exceeds the € 1,660.00.
  With the current interest rates (4.25% basic interest for the first € 50,000.00 and 0.01% growth or fidelity premium), you can place € 38,967.14 during a whole year on your savings account without paying withholding taxes.
  
  Joint accounts in the name of two spouses or legal cohabiters can benefit of a double exemption of Belgian withholding tax (unless you are exempted for this tax) on interests on savings accounts. For 2008, this will be 2 times € 1,660.00.
  If you want to benefit from this double exemption, you need to send us before 15 December 2008 a proof of your legal cohabiting contract (delivered by Town Hall), to the following address:
  
  Keytrade Bank
  Administration
  Vorstlaan 100 Bld du Souverain
  1170 Brussels
  

• What is the difference between the growth and fidelity premium?
  
• Which value date is used?
  
• Where can I find my bank statements?
  
• Wat is a domiciliation?
• How to create a domiciliation?