Security & privacy policy

  • Security & reliability: 2 pillars of Keytrade Bank
  • Some tips for your own protection on Internet

Security & reliability: 2 pillars of Keytrade Bank

IT Security

Encryption and intrusion detection systems meet the highest standards guaranteeing optimum confidentiality for the Bank's clients and unreadable by third parties. All data and documents are constantly backed up to ensure their enduring safety.

In addition, Keytrade Bank has its Internet systems audited every day by one of the world leaders in Internet security: Netcraft.

A web-based bank such as Keytrade Bank is bound to have back-up IT systems in order to avoid any interruption of service and to offer constant accessibility.

Administrative Security

Every client receives three unique codes and a Keytrade ID. The logon, password and Keytrade ID are used to access Keytrade Bank's secured site. A third code (called confirmation code) enables to confirm each trading and banking transaction. To know more about the Keytrade ID, please click here.

Accounts at Keytrade Bank are blocked after the third introduction of an erroneous code. Personal data (name, address, etc..) are never communicated to third parties.

Reliability and stability

Keytrade Bank offers all of the guarantees of a bank that is part of one of the world's largest financial groups: the Crédit Agricole Group (total assets of EUR 913 billion and own funds of EUR 66 billion).

In addition, like all banking institutions established in Belgium, Keytrade Bank is supervised by the Banking, Finance and Insurance Commission ("CBFA").

Protection fund for deposits and financial instruments

As a Keytrade Bank client, finance company of Belgian right, your assets are protected by the deposits guarantee system for maximum € 100.000 for deposits and maximum € 20.000 for the financial instruments.

What is the deposit guarantee system?
The deposit guarantee system, or Protection fund, intervenes when a credit institution, brokerage firm or other investment company is no longer able to fulfil its obligations to its clients.

What does it mean?
In the event of a bankruptcy, the protection fund offers a dual level of protection:

  • The first level of protection covers the loss of cash assets held in the form of account deposits (on current, on term, on savings account). The compensation by the Fund for this type of assets is limited to maximum € 100,000 and per client.
  • The second level of protection comes into effect when a client is no longer able to recover the financial instruments (securities such as shares, bonds, mutual funds, ...) entrusted to the defaulting institution. For this case, the compensation is also subject to maximum € 20,000. But for the financial instruments registered in your name, you should recover them totally without having to call upon the compensation by the Funds.

Click on for more information on the Protection fund for deposits and financial instruments.

Some tips for your own protection on Internet

Passwords and codes

  • Do not give your passwords and codes to third parties, even not your close relatives whom you trust. When you open an account for several account holders or mandatories, we provide each person with his/her personal passwords and codes.
  • Change your passwords regularly and follow our 'Seven golden rules for a safe password'.
    Log on to the secure site and click on ‘Your preferences’.
    Click in the section ‘Passwords & security’ Access password and Confirmation code.
  • Always log out with the 'Log out' button when you leave your computer or when you surf to other sites.

Your computer (PC or Mac)

  • Avoid using public computers (e.g. cyber café's)
  • Use recent anti-virus software, which will regularly have updates. Make sure that your anti-virus checks automatically on a daily basis if there is an update available.
  • Use a firewall to keep unauthorized persons from gaining access to your computer through the Internet.
  • Keep the software of your computer up-to-date (Windows Update voor PC/Software Update voor Mac), check weekly if updates are available. Updates usually have adapted or reinforced security procedures.

Contact your computer specialist for a detailed explanation and the possible installation of the appropriate software..

Should you nevertheless have a virus on your PC, remove it and make sure to modify your passwords immediately. You can also always request new passwords at Keytrade Bank. We will then temporarily block the Internet access to your account.


  • Do not open e-mail attachments unless you expect them.
  • E-mail attachments with jokes can also contain viruses or other unwanted software, even if you know the sender. Make sure that your anti-virus software examines e-mail attachments, activate if necessary the anti-virus mail filter of your Internet provider.
  • Keytrade Bank will never ask for bank account numbers, debit or credit card numbers, passwords or codes by e-mail. When you call our Helpdesk with a specific question concerning the execution of your orders, they will ask your account number. For orders by telephone use the therefore intended PIN-code. You can demand a PIN-code for placing orders by phone on the secured site > Preferences > Passwords > Telephone orders.

Do you notice an irregularity by e-mail or via our site, please contact our Helpdesk immediately on the number +32 (0)2 / 679 90 00 or send an e-mail to

Cookies on the Keytrade Bank website

By accepting cookies, we can improve your user experience on our website. You can modify the cookie parameters at any time.