BEOBANK NV/SA products, services and reviews

About BEOBANK NV/SA

Beobank NV/SA is a Belgian retail bank operating under a full banking license supervised by the National Bank of Belgium, with investor and conduct oversight by the Financial Services and Markets Authority; eligible deposits are covered by the Belgian deposit guarantee scheme up to €100,000 per person per institution. Part of the Crédit Mutuel group, it serves individuals, self-employed professionals, and small businesses through a mix of branches, independent agents, and digital channels. The product range includes current and savings accounts, SEPA payment services, debit and credit cards (including co-branded options), consumer loans, mortgages, investments, and insurance distribution via partners. Digital banking supports standard security features such as strong customer authentication and 3‑D Secure for card payments. Pricing follows a published tariff: account packages and cards generally carry recurring and usage fees, foreign transactions and cash withdrawals outside agreed allowances incur charges, and overdrafts and revolving credit bear interest rates typical of Belgian consumer credit, which are materially higher than secured lending and subject to legal caps. Savings accounts follow local rules with separate base and fidelity premiums; interest is subject to withholding tax with an annual exemption, and rates can be adjusted by the bank. Lending is subject to credit assessment and affordability checks; investment services are provided under MiFID rules with suitability/appropriateness tests and standard market risks and product costs. Onboarding and servicing require identification under AML/CTF legislation, and PSD2 interfaces allow licensed third-party access. Complaints can be escalated to Ombudsfin if internal handling does not resolve the matter. Prospective customers should review the latest fee schedule, interest rates, and product terms and compare them with alternatives in the Belgian market.