vdk bank products, services and reviews

About vdk bank

vdk bank is a Belgian retail bank headquartered in Ghent, offering current accounts, regulated savings accounts, term deposits, payment cards, mortgages, consumer loans, and investment products, alongside web and mobile banking. It operates a regional branch network in Flanders and provides remote servicing via online channels and a call center. Payments are executed over SEPA for domestic and cross-border euro transfers, with support for standing orders and direct debits; international transfers outside SEPA are processed via SWIFT and may involve extra fees and longer delivery times. Debit cards typically support Bancontact and an international scheme; credit cards are available subject to eligibility and pricing. Digital access uses strong customer authentication in line with PSD2 and online card payments support 3-D Secure. vdk bank is supervised by the National Bank of Belgium and the FSMA; eligible deposits fall under the Belgian deposit guarantee scheme up to €100,000 per person per institution. Payment accounts are offered in packages, with separate charges for services such as additional cards, over-the-counter operations, or paper statements; interest rates and fees are variable and depend on the selected product. The bank publishes policies on responsible and sustainable investment, with exclusions and screening applied to certain products; the scope and criteria differ by product type. Eligibility for account opening typically requires local residency and standard KYC. The proposition is conventional retail banking with a local footprint; customers should review current schedules, terms, and product conditions before opening an account.