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IT security and reliability: the two pillars of Keytrade Bank

Update 16/02/2015

Brussels, February 16th – In a response to messages in Belgian media discussing bank website security issues, Keytrade Bank stresses its website has always been safe to use and will continue to be safe. As first online bank of the country, the security of our systems and confidentiality of our client data have always been our number one priority. Since 9AM today is rated A in the SSL Labs test.

Contrary to what was implied in some media, the Keytrade Bank website does use the SHA-256 (SHA2) mechanism. The root of the problem lies in the fact that some versions of Apple’s OS are not capable to recognize the issuer of the certificate when the issuer uses the SHA-256 (SHA-2) mechanism.

We recommend all Keytrade Bank clients to keep their browsers and operating systems updated at all times. A device which has received all updates will automatically choose the safest protocols, which have always been supported by Keytrade Bank.

IT security

Encryption and intrusion-detection systems meet the highest standards guaranteeing optimum confidentiality for the Bank's clients. These systems are 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's leaders in Internet security: Netcraft and Thawte.

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

Administrative security

Every new client receives three unique codes and a Keytrade ID. The logon, password and Keytrade ID are used to access Keytrade Bank accounts and a third password (a 'confirmation code') enables confirmation of banking and trading transactions. Find out more about the Keytrade ID

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, except in the cases mentioned in the general terms and conditions of Keytrade Bank.

Reliability and stability

Keytrade Bank offers all the guarantees of a bank that is part of Crédit Mutuel Arkea..

Protection fund for deposits and financial instruments


As a Keytrade Bank client – a Belgian branch of a credit institution under French law – your assets are protected by the French deposits guarantee system (Fonds de Garantie des Dépôts et de Résolution (FGDR)) for a maximum of € 100.000 for assets held in deposits and a maximum of € 70.000 for financial instruments.

What is the deposit guarantee system?

The guarantee system intervenes when a credit institution, brokerage firm or other investment company is no longer able to fulfil its obligations to its clients

Consult the FGDR document or click here for more information

What does that mean in practical terms?

In the event of the institution's bankruptcy, French's Protection Fund for Deposits and Financial Instruments offers you 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, term, or savings accounts). The compensation by the Protection Fund for Deposits and Financial Instruments is limited to a maximum of € 100.000 for assets like this 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, etc.) entrusted to the defaulting institution. For this case, another compensation of a maximum of € 70.000 can be obtained. But for the financial instruments registered in your name, you should recover them totally without having to call upon the compensation offered by the Protection Fund for Deposits and Financial Instruments.

Some tips for your own protection on internet

Passwords and codes

  • Never give your passwords and codes to third parties, not even your close relatives whom you trust. When you open an account with several account holders and/or authorised representatives, Keytrade Bank sends each person their personal passwords and codes.
  • Change your passwords regularly and follow our 'Seven golden rules for a safe password '. To read them, visit and click on 'Your preferences'. Then click on 'Passwords and security' and 'Confirmation code' in the section 'Passwords & security'.
  • Always log out with the 'Log out' when you leave your computer or when you surf to other sites, instead of just closing your browser.

Your computer (PC or Mac)

  • Avoid using public computers (e.g. those in a cybercafé).
  • Use modern anti-virus software, which is regularly updated. Make sure that your anti-virus software automatically and on a daily basis checks to see if there are any updates available.
  • Use a firewall to keep unauthorised persons from gaining access to your computer through the Internet.
  • Keep the software on your computer up-dated (Windows Update for PC / Software Update for Mac). Check weekly to see if updates are available, as these can increase the security of your computer.

Contact your computer specialist for a detailed explanation, and installation if necessary, of the appropriate software.

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


  • Do not open email attachments unless you were expecting them.
  • Email attachments with jokes can also contain viruses or other unwanted software, even if you know the sender. Make sure that your anti-virus software also scans email 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 email.
  • When you call our Helpdesk with a specific question concerning the execution of your orders, they will ask for your account number. For orders by telephone, they will ask for your PIN code. You can generate this code on our secured site: > Preferences > Passwords > Telephone orders.

If you notice any anomalies in emails or on our site, please contact our Helpdesk immediately by email at or call +32 (0) 2 679 90 00.