1. You can easily withdraw money at our cashier's desk, every workday from 9 a.m. to 4 p.m.
   
   You must however, inform us 4 days in advance for amounts exceeding € 2,500 or for foreign currency.
   
   
2. If you have applied for a Bancontact/MisterCash card, you may also withdraw money from ATMs in Belgium and abroad.

• Your Bancontact / Mister Cash / Proton - Maestro card
  To receive a new debit card, please fill in the subscription form and send it back to us per post (Boulevard du Souverain 100, 1170 Brussels) or per fax (+32 (0)2 / 679 90 01).
  
• Your VISA card
  Your VISA card will be automatically send to you after having called Card Stop.

Your savings account cannot be used to do transfers to third parties, due to legal reasons.
For example, you cannot pay invoices using your savings account.

You can, however, transfer money from your savings account to another current account in your own name at Keytrade Bank.

The interest is calculated on the balance of your account and will be paid at the beginning of the following calendar year.

If you want to transfer an available amount on your current account to your savings account or the other way around, the transfer will be executed in real time.

If you want to transfer an amount from your trading account to your current or savings account, the transfer will be executed in real time.
Please take into account the entry of the statement (the following working day).
For instance: Today you sell shares X. If you do a transfer to your current account, this can only be executed after the statement of the execution has been generated.
You can check this in the history of your trading account.
Please pay attention to the application of value dates (tariffs), which might cause debit interests.

Is the available amount in another currency than EUR, please convert this first to EUR, as you can only carry out online transfers in EUR.
Please pay attention to the application of value dates (tariffs), which might cause debit interests.

Complete and sign the 'Banking relationship application form' and return it to us together with a copy (both sides, black and white, A4 form) of your ID card or passport.

As soon as we receive all documents and after approval of your application, we will open your accounts and provide the necessary passwords to manage your accounts online.

Keytrade Bank offers you automatically three accounts: a current-, a savings- and a trading account.
Thanks to these free accounts you can manage your money yourself at a lower cost.

Click here to open your account online.

Everyone can, after approval of his application for a banking relationship, open a free savings account with Keytrade Bank. The AZUR savings account is a bank product with maximal flexibility and minimal costs.
Automatically, a free current- and trading account will be opened linked to your savings account.

You will not have to pay any opening or management costs for the three accounts.
Furthermore, you can benefit from all classic banking and trading services.

No. You save as much as you want. On your own rhythm.
From the first deposit you put on your savings account, the interest starts to run. If it is a deposit of € 1 or € 10,000.00, that doesn't change a thing.

The AZUR savings account has a basic interest rate of 1.65%*, with 0.40% fidelity premium. Higher than € 1 million (for the total amount): 1.00%.

With this offer, Keytrade Bank gives one of the highest interest rates in the market.

* Interest rate applies on the total amount of your savings account. The interests are calculated on an annual basis.

From the day after the money is placed on your savings account it will produce interest. You will benefit from the basic interest rate of 1.80%!

There are different possibilities:

• You can come to our office to put an amount on your savings account.
  Attention: our office is open every working day from 9 a.m. till 4 p.m.
• You can wire money from an account with another bank to your savings account with Keytrade Bank.
• You can transfer money online from your current-, or trading account with Keytrade Bank to your Keytrade Bank savings account.

Your money is always available.

You can transfer an amount on line from your savings account to your current account with Keytrade Bank. From your current account you can transfer this amount further to for instance the account of a third person.
Due to legal reasons you can only transfer money from your savings account to another account in your name with Keytrade Bank.

You can easily withdraw money at our cashier's desk. Please contact us at least three days in advance so we can put the amount you wish to withdraw at your disposal.

If you have applied for a Bancontact/MisterCash card, you may also withdraw money from ATMs in Belgium and abroad.
You can apply for a Bancontact card by filling in the application form, sign it and send it back to us. As soon as your application is accepted and a minimum amount of € 50 is available on the current account, the debit card will be sent by regular mail to the legal address of the account holder.
Note: Only Belgian residents can apply for a debit card.

The interest percentage on your savings account depends on the market circumstances and can vary. But one thing is certain: Keytrade Bank will always offer a high and crystal clear interest rate!
Possible modifications in the interest rate can be found on our site www.keytradebank.com and will be announced in the Keytrade News and communicated in our newsletters.

The savings accounts are exempted from withholding tax to an amount of € 1,730 annual interests. The withholding tax of 15% will be automatically deducted from the moment the annual interest of your savings account exceeds € 1,730.

With the current interest rates (1.65% basic interest and 0.40% fidelity premium), you can place € 84,390 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 2010, this will be 2 times € 1,730.

If you want to benefit from this double exemption, you need to send us before 15 December 2010 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

You will receive interest from the day after the deposit. At a withdrawal of money you will get interest up to and including the day before the withdrawal.

You can find your bank statements on our secured site. Go to the secured site, log on and click on Banking > Bank statements > History. Select your savings account and click on the statement you wish to examine. You can print it or save it in PDF-format.