... with a cash reserve that is always available
It is always useful to have access to a bit of extra money when moving to a new country. Your Direct Reserve allows you to borrow a set amount directly through your current account. You can use this overdraft when and where you like, in Belgium and abroad.
Making your life easier
Once the Direct Reserve has been granted, you can use it as you see fit, without having to provide any justification. When unforeseen events occur, you can immediately go overdrawn.
Thanks to my Direct Reserve, I'm sure my direct debits get paid.
Optimise your budget management
You can manage your Direct Reserve however you like, as long as you do not exceed 90 days of overdraft.
In addition, you will only be charged interest on the amounts you actually use. Repayments are charged directly to your current account. If you do not use your Direct Reserve, you will not be charged.
Finally, you can get a clear overview of your expenditure on your account statements (paper or online) or directly through Easy Banking (Web + App).
Choose a responsible loan
Like all other loans, Direct Reserve is a responsible loan. We are committed to helping you achieve your goals within a framework of specific rules.
Want to know more?
For further information, please refer to the selected document below.
- General terms and conditions (pdf)
Direct reserve. Type of loan: overdraft. Lender: BNP Paribas Fortis NV, Warandeberg 3, B-1000 Brussels – RPR Brussels – BTW BE0403.199.702.
Optiline provides you with a cash reserve so that you can spread out payments for large or unexpected purchases. This loan is linked to your credit card.
- access to a permanent cash reserve
- stay in control of your expenditure
- spread your instalments
- Optiline is a loan of Alpha Credit sa/nv, under Belgian law, distributed by BNP Paribas Fortis