Documents
An overview of our most important documents
Our General Banking Terms and Conditions, legal documents and product regulations are available here for your information. You can view them online or, if you prefer, you can download them instead.
General documents
- General terms and conditions applicable from 1 February 2022
- General Information on the Protection of Deposits
- Overview of the principal characteristics and risks of financial instruments
- Terms and Conditions of Use of the Android App
- Terms and Conditions of Use of the iPad App
- Terms and Conditions of Use of the iPhone App
Opening and managing accounts
- Opening an account - Private individuals
- Opening an account - Minor
- Updating the list of the beneficial ownership (for the companies)
- Updating the list of investment club members
- Power of attorney - Physical
- Power of attorney - Non physical
- Account closure
- Bank switching service request
- Bank switching service guide
- Bank switching service conditions
- Change of address
- Account closure KEYPLAN
- Update of the data of the minor who became of age
- KEYPRIVATE closure or withdrawal
- Payment Service and Product Offer
- Your rights when making payments in Europe
- Key Information for savers : Savings account Azur (french)
- Key Information for savers : Savings account High Fidelity (french)
- Conditions 5 cents/transaction on the current account
Tariffs, rates and taxes
- Interests (Rates applicable as from 01/10/2019)
- Tariffs applicable as from 06/09/2022)
- Exchange rates
- Taxes
- Fee Information Document
- Statement double tax treaty with Canada
- Withholding tax declaration - non-residents
- Withholding tax declaration - Belgian companies
- Treaty statement for legal entities relating to American withholding tax
- EXPLANATORY NOTE TO THE TREATY STATEMENT
- W8-BEN
Access methods and authentication
Cards and insurances
- Application - debit card
- Application for a minor - debit card
- Specific conditions regarding the Bancontact-Maestro – debit cards
- Specific Terms and Conditions for the Cashback service
- Personal data protection policy of the Cashback service
- Terms and conditions - VISA Classic (starting with 4796)
- Terms and conditions - VISA Gold (starting with 4796)
- Terms and conditions - VISA Platinum
- IPID - Terms and conditions - VISA Classic (starting with 4796)
- IPID - Terms and conditions - VISA Gold (starting with 4796)
- IPID - Terms and conditions - VISA Platinum
- Special Conditions - VISA
- Cancellation - VISA
- Dispute - VISA
- Payment Service and Product Offer
- Specific Terms and Conditions for the Cashback service
- Personal data protection policy of the Cashback service
- Purchase Insurance - VISA Classic
- Purchase Insurance - VISA Gold
- Purchase Insurance - VISA Platinum
- "Safe online" Insurance - VISA Classic (starting with 4796)
- "Safe online" Insurance - VISA Gold (starting with 4796)
- "Safe online" Insurance - VISA Platinum
- Travel Accident Insurance - VISA Gold
- Travel Accident Insurance - VISA Platinum
- Travel Assistance Insurance - VISA Gold (starting with 4796)
- Travel Assistance Insurance - VISA Platinum
- Travel cancellation and interruption Insurance - VISA Gold (starting with 4796)
- Travel cancellation and interruption Insurance - VISA Platinum
- Travel disruption: delayed/cancelled departure Insurance - VISA Gold
- Travel disruption: delayed/cancelled departure Insurance - VISA Platinum
- Warranty Extension Insurance - VISA Gold (starting with 4796)
- Warranty Extension Insurance - VISA Platinum
- Cash theft after a withdrawal Insurance - VISA Gold
- Cash theft after a withdrawal Insurance - VISA Platinum
- Keys and Papers Insurance - VISA Platinum
- Ticket cancellation Insurance - VISA Platinum
- Caretaking Services Insurance - VISA Platinum
- IPID - Purchase Insurance - VISA Classic
- IPID - Purchase Insurance - VISA Gold
- IPID - Purchase Insurance - VISA Platinum
- IPID - "Safe online" Insurance - VISA Classic (starting with 4796)
- IPID - "Safe online" Insurance - VISA Gold (starting with 4796)
- IPID - "Safe online" Insurance - VISA Platinum
- IPID - Travel accident Insurance - VISA Gold
- IPID - Travel accident Insurance - VISA Platinum
- IPID - Travel assistance Insurance - VISA Gold
- IPID - Travel assistance Insurance - VISA Platinum
- IPID - Travel cancellation and interruption Insurance - VISA Gold (starting with 4796)
- IPID - Travel cancellation and interruption Insurance - VISA Platinum
- IPID - Travel disruption: delayed/cancelled departure Insurance - VISA Gold
- IPID - Travel disruption: delayed/cancelled departure Insurance - VISA Platinum
- IPID - Warranty Extension Insurance - VISA Gold (starting with 4796)
- IPID - Warranty Extension Insurance - VISA Platinum
- IPID - Cash theft after a withdrawal Insurance - VISA Gold
- IPID - Cash theft after a withdrawal Insurance - VISA Platinum
- IPID - Keys and Papers Insurance - VISA Platinum
- IPID - Ticket cancellation Insurance - VISA Platinum
- IPID - Caretaking Services Insurance - VISA Platinum
- Claims form - Purchase Insurance
- Claims form - "Safe online" Insurance
- Claims form - Travel accident Insurance
- Claims form - Travel cancellation and interruption Insurance
- Claims form - Travel disruption: delayed/cancelled departure Insurance
- Claims form - Cash theft after a withdrawal Insurance
- Claims form - Keys and Papers Insurance
- Claims form - Ticket cancellation Insurance
Trading and investing
- Option markets
- Overview of the principal characteristics and risks of financial instruments
- Order execution policy
- Option Manual
- MiFID II Top 5 – Execution venues and executing entities 2020
- MiFID II Top 5 – Execution venues and executing entities 2021
- Conflicts of interest policy – investment services
- Information on sustainability
- Securities Transfer - Proof of charges
- Securities Transfer - Mandate
- Securities Transfer - Within Keytrade Bank
- Securities Transfer - To another bank
- Securities transfer - pension-savings to another bank
- Securities transfer - pension-savings Mandate
- Pension-savings - Withdrawal of the capital
- Global Analyzer user guide
- Technical analysis: user manual
- Analysis and evaluation of investment funds
- Fund risks
- Specific conditions for insurance products
Keyplan
Keyprivate
- Special Conditions - portfolio management service valid as from 10/03/2021
- Special Conditions - portfolio management service valid until 09/03/2021
- KEYPRIVATE closure or withdrawal