Legal information

Terms and conditions for the use of Keytrade Bank's websites

Any person accessing the website ('website' or 'site' is understood to mean the public site and the transaction site) of Keytrade Bank (hereinafter the 'user') is presumed to have accepted these terms and conditions for the use of Keytrade Bank site.

1. Utilisation rights and obligations

The information disseminated and the tools offered on the site may only be used by users for personal purposes, in a normal and reasonable manner, and exclusively for the purposes for which the information is made available.

2. Property rights, notably intellectual property rights

Each user of the site acknowledges that the information, images and data published on the site in any form whatsoever are and shall remain the property of Keytrade Bank and/or its suppliers and undertakes not to publish, disseminate, use, transform, alter, or reproduce them, in full or in part, in any manner whatsoever and in any form whatsoever, without the prior express written consent of Keytrade Bank. This stipulation covers the content of the site and its components, as well as its form, presentation, structure and general 'look and feel'.

The brands, appellations and logos, whether or not registered, present on the site are the exclusive property of Keytrade Bank or other companies and cannot be used or reproduced.

No element of this site may be interpreted as being an assignment of property rights, notably intellectual property rights, to the site's user.

3. Liability

Keytrade Bank makes available to the user, within the limits of these terms and conditions of use, its website, its functions and the information contained therein. The user is aware of the fact that most of the information, data, tools and functions on the Keytrade Bank site are only accessible to clients of Keytrade Bank who have entered into a banking relationship with Keytrade Bank and may access these functions and information via confidential and personal codes provided to them by Keytrade Bank. The general terms and conditions of Keytrade Bank and/or other specific contracts concluded by Keytrade Bank with its clients shall prevail over these terms and conditions of use.

Keytrade Bank may decide at any time to modify its site or the functions, tools and information available on its site and cannot incur any liability vis-à-vis the site's users as a result of these changes. Keytrade Bank does not undertake in any way to maintain the products and services available on its site and may decide at any time to remove or modify the products and services contained on its website, without incurring any liability vis-à-vis the site's users. The site and its components cannot be considered as an offer of products or services from Keytrade Bank or as a means to sell or purchase banking, financial, insurance or other products or services. This site is merely intended to provide information to users, and Keytrade Bank is free to modify it at any time. Keytrade Bank is also free to decide at any time to block or suspend access to its site, for any reason whatsoever, or to close its site.

All of the information published or disseminated on the site, except for funds*, is provided on a purely informational basis to the persons who consult it. This information is published without any undertaking concerning its exhaustiveness, accuracy and timeliness and without guarantees of any type, whether express or implicit. A portion of this information comes from third parties, which Keytrade Bank considers reliable sources. The user is exclusively responsible for any use of the site or of the information contained on the site unless it would be misleading, incorrect or inconsistent. Nothing on the site is intended to replace the user's personal and informed analysis or his technical and professional knowledge. The information disseminated on the site does not constitute any legal, accounting, fiscal, investment or management advice. This clause shall be without prejudice to mandatory legal provisions that make Keytrade Bank responsible for the information posted on its website, in particular with regard to financial instruments and bank or financial products or services. The dissemination of information about funds* constitutes a public offer and engages Keytrade Bank.

Keytrade Bank waives all liability and does not offer any guarantee in case of interruption or improper functioning of its site. Keytrade Bank also waives any liability for direct or indirect damages that users could incur following access to or use of its website, notably in case of damages caused to their computer or IT systems by viruses that, despite the various protective measures implemented, could not be detected or avoided.

Keytrade Bank does not have any control over and waives all liability for third-party websites to which the user may have access via any hyperlinks found on its website, or for the content and information contained on these sites or for compliance with applicable regulations by these other sites. Keytrade Bank provides these hyperlinks solely for the convenience of the users and has not checked, tested or verified the information or software programs found on these sites. The possibility to surf via hyperlinks to other websites cannot under any circumstances be construed as a type of advice or as an approval by Keytrade Bank of information found on this site. The user uses these hyperlinks at his own risk and Keytrade Bank therefore cannot be held liable for any damages that could result from the use of these hyperlinks. Any hyperlinks to the Keytrade Bank site or to a page or a portion of the site can only be inserted on a third-party's site with the prior express written consent of Keytrade Bank.

In addition, Keytrade Bank cannot be held liable for the hyperlinks created on third-parties' sites.

*Fund means: 'Undertaking for Collective Investment' (« UCI »). UCI is a general term used for different undertakings collecting money from the public and whose activity consists of managing an investment portfolio. The term 'fund' covers collective investment schemes in the form of an investment company (such as the Sicav or Sicaf), as well as mutual funds, and their sub-funds.

4. Modification of these conditions of use, competence and governing law

Keytrade Bank may modify these conditions of use at any time. The conditions of use applicable to any use of the Keytrade Bank site are those available and published on the Keytrade Bank site on the day of the site's consultation. The nullity or invalidity of a provision in these conditions of use shall not affect the validity of the other provisions of these conditions.

These conditions of use are governed by Belgian law. In the event of a dispute, the courts of Brussels (and, notably, the 'justice de paix/vrederechter' of the legal district of Keytrade Bank's registered office) shall have sole jurisdiction.

Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France) is established at Boulevard du Souverain 100, 1170 Brussels. Arkea Direct Bank is a credit institution regulated by the French financial supervision authority (Autorité de contrôle prudentiel et de résolution – "ACPR", and by the Belgian financial supervision authorities (Banque Nationale de Belgique (“BNB”, and Financial Services Market Authority (“FSMA”, as a credit institution established under the law of another Member State of the European Economic Area with a branch registered in Belgium.

Registered office:

Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France)

Vorstlaan-Boulevard de Souverain 100

B-1170 Brussels

Registered under number BE 0879 257 191

Insurance Intermediary authorized to carry on activities in Belgium (ORIAS 07 008 441)

Tél.: +32 2 679 90 00

Fax.: +32 2 679 90 01  

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 General Information on the Protection of Deposits, 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.  

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