BANQUE CPH products, services and reviews

About BANQUE CPH

BANQUE CPH is a Belgian bank offering retail and small business services, including current accounts with SEPA transfers and direct debits, debit cards, and optional credit facilities such as overdrafts. Savings options generally include demand and notice accounts and term deposits; for regulated savings products, remuneration is split between a base rate and a loyalty bonus as defined by Belgian law. Lending covers mortgages, consumer loans, and SME financing subject to credit assessment and collateral requirements where applicable. Investment and insurance products are distributed under MiFID II and Belgian insurance distribution rules, with appropriateness and suitability checks; capital is not guaranteed unless explicitly stated in the product terms. Digital banking via web and mobile typically supports payments, card controls, e‑statements, and two‑factor authentication, while branch and phone channels remain available for onboarding and advice. Fees are published in a tariff schedule and can include monthly account package charges, card and ATM fees, international and FX charges, and overdraft interest and penalties; rates and remuneration can change and may vary by product. Eligible deposits fall under the Belgian deposit guarantee scheme up to €100,000 per depositor per bank; amounts above that threshold and certain instruments are not covered. BANQUE CPH is subject to prudential and conduct supervision in Belgium (NBB and FSMA) and applies standard KYC/AML requirements, so account opening and product access depend on residency, documentation, and risk assessment. The offering suits users seeking a conventional product set and local servicing, while those needing extensive international functionality, premium rewards, or advanced trading features should compare conditions, fees, and platform capabilities across providers. Verify current terms, rates, eligibility, and availability on the bank’s official channels, as offerings and tariffs change.