Best Savings Accounts Available in Belgium (2026)
Belgium has one of the most distinctive savings systems in Europe: regulated savings accounts (carnet d'épargne réglementé) with unique tax advantages. Here is our breakdown for Belgian residents.
The Flagship Product: Regulated Savings Account
Belgium is the only EU country where regulated savings accounts have a tax exemption on the first €1,020 of annual interest (2026). Above that threshold, a 15% withholding tax applies.
Best rates at major Belgian banks in 2026:
- Fintro (BNP Paribas Fortis): up to 2.50% on regulated account
- Belfius: savings account with variable rates + loyalty bonus
- ING Belgium: regulated Lion account up to 2.25%
- Argenta: competitive rates on regulated savings
Fintechs with High Rates for Belgian Residents
- Trade Republic: 3.25% on uninvested cash (available in Belgium)
- Revolut: 2.50%+ on EUR Savings Vaults
- Keytrade Bank: Belgian platform with savings account and fund access
Deposit Guarantee in Belgium
The Belgian Fonds de protection des dépôts protects up to €100,000 per depositor per bank, in line with the European EDIS directive.
Tax on Savings in Belgium
- Regulated accounts: first €1,020 of interest tax-exempt; 15% above that.
- Other non-regulated deposits: précompte mobilier of 30% on all interest from the first euro.
- Trade Republic / Revolut: not Belgian regulated accounts — 30% applies from the first euro of interest.
Compare All Rates at APYData
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