Online fraud protection: amendment of money transfer limits

Key points

• The default limit for money transfers on Easy Banking Web is €5,000 per day (this is already the case in the app).
• This limit aims to reduce the potential impact of fraud (phishing, vishing, smishing, taking control of PCs, etc.).
• The limit can be increased or decreased at any time via Easy Banking App and Easy Banking Web.
• A period of 4 hours is required after any request to increase the limit.
• An SMS notification is sent whenever you request a limit increase.

How does the €5,000 money transfer limit work?

The default limit of €5,000 per day applies to money transfers made via Easy Banking App and Easy Banking Web across all your private, joint and business payment accounts. It is important to distinguish between 2 situations:

• The default limit (€5,000/day) applies to customers who have never amended their limit.
• The limit already customised by the customer in Easy Banking App or Easy Banking Web remains unchanged and can therefore be lower or higher than the default limit of €5,000.

The default online money transfer limit is €5,000 per day, per customer, and per channel

A distinction must be made between several scenarios.

1. There are no limits on transfers between your own accounts.

2. For non-instant domestic money transfers, the daily limit is €5,000 per customer for all your personal accounts, joint accounts and business accounts, and per channel (Easy Banking App - Easy Banking Web). Here are 2 concrete examples:

Here are 2 concrete examples:

• Example 1: you and your spouse each have a personal account and share a joint account. You both have your own limit of €5,000 per day.
  
  -    Via Easy Banking App, for example, you can transfer €2,000 from your personal account and €3,000 from your joint account. Meanwhile, your spouse can transfer €1,000 from their personal account and €4,000 from the joint account on the same day.
  
  -    You can do the same thing on the same day via Easy Banking Web.
  
  In total, €5,000 can be transferred via the app and €5,000 via Easy Banking Web.
• Example 2: you have 2 payment accounts with BNP Paribas Fortis: one personal account and one business account. The total of online money transfers from your 2 accounts is limited to €5,000 per day via Easy Banking App (e.g.: €1,500 from the 1st account and €3,500 from the 2nd account), plus €5,000 via Easy Banking Web.
  This brings the total to €10,000 in total, unless you increase your permanent limit.

3. For instant money transfers, the limit is €5,000 per day, per customer, accumulated across Easy Banking App, Easy Banking Web and all their accounts. This limit cannot be increased.

See this table for all applicable limits for money transfers via Easy Banking App and Easy Banking Web.

A 4-hour waiting period applies to any increase in the online money transfer limit

Here is how it works in practice:

• You request an increase in your limit, for example from €5,000 to €10,000.
• The new limit will take effect after 4 hours.
• During this period, your previous limit remains in effect.

Fraudsters often use pressure tactics, such as an urgent money transfer for a relative in distress, to compel victims to increase their limits and transfer funds quickly. The 4-hour period gives you time to realise that you may be the victim of a scam, block access to your online banking and contact the bank.

This period applies to each request for a temporary or permanent increase. However, a limit reduction is immediate, as there is no increased risk to the asset.

If you wish to make a money transfer of more than €5,000, remember to adjust your limit at least 4 hours in advance.

SMS notification for any increase in online money transfer limits

An additional security feature: an SMS is sent to you every time you request an increase in the money transfer limit, regardless of the channel used (Easy Banking Web or Easy Banking App). If you did not make this request, please contact us immediately:

• Call the Easy Banking Centre on +32 2 762 90 00 (Monday to Friday from 8am to 10 pm, Saturday from 9am to 5pm)
• Outside these hours, our fraud department is available on +32 2 433 43 80

To receive SMS messages, please make sure that your details (including your mobile phone number) are up to date in our records. You can do this easily via:

• Easy Banking App
  1. Log in.
  2. Go to 'Settings' > 'Personal details'
  3. Click on the 'Contact' tab.
• Easy Banking Web :
  1. Log in.
  2. Click on your 'First name Last name' at the top right.
  3. Go to 'Personal details'.

How can you adapt your online money transfer limit to your needs?

You can only increase or reduce your assets via Easy Banking App or Easy Banking Web. This change is not possible in branch, at a Bpost branch or via the Easy Banking Centre. Here’s what to do:

Adjust your limit in Easy Banking Web

1. Log in and click on ‘First name and Surname’ at the top right.
2. Go to ‘Settings’ > ‘Transfer limits’. 
3. Confirm with itsme® using your card reader. 

Adjust your limit in Easy Banking App

1. Log in and go to ‘Settings’. 
2. Click on ‘Payments’ > ‘Transfer limits’. 
3. Confirm with your Easy Banking Code for the app. 

Stay alert: don't fall into the trap of online fraudsters

The golden rules to keep in mind for your security:

• Whether by phone, SMS or e-mail: 
  - Never share your codes, card numbers, passwords or personal details. 
  - Never respond to payment cancellation or approval requests. 
• Never click on a link or attachment in a suspicious message. 

Most common fraud techniques related to money transfers:

• Phishing: email with a link to a fake banking site
• Smishing: SMS impersonating the identity of the bank, another institution or a supplier (post office, energy supplier, etc.)
• Vishing: phone call impersonating the bank’s identity, from a supplier claiming to solve an urgent problem

Phishing earned fraudsters €93 million in 2024
Source : Febelfin

What to do in the event of a suspicious money transfer

If you suspect fraudulent activity on your account, take immediate action by following these steps in order:

1. Do not carry out any new transactions via Easy Banking App or Easy Banking Web.
2. Call the Easy Banking Centre immediately on +32 2 762 90 00 (Monday to Friday from 8am to 1 pm Saturday from 9am to 5pm or, outside opening hours, on +32 2 433 43 80.
3. If necessary, block your credit and debit cards via Card Stop.

In some cases, you may be advised to lodge a complaint with the police.

Don't become a victim.

Discover our practical tips for protecting yourself against online fraud.

Protecting yourself against fraud and phishing

FAQs: new online money transfer limit

Does the online money transfer limit (€5,000 by default) apply to all my accounts?

Yes. This is a limit per customer for online money transfers (Easy Banking App and Easy Banking Web), regardless of the number of payment accounts they have. The limit for money transfers is €5,000 per day, for all personal accounts, joint accounts and business accounts. It applies from the week of 8 December 2026.

Why a 4-hour period for increasing the online money transfer limit?

For your security, any increase in the online money transfer limit (e.g. from €5,000 to €10,000) is subject to a waiting period of 4 hours before being effective. During these 4 hours, your previous limit remains active. Example: if you amend your limit to 10am, it will only take effect from 2pm.

This period is a measure of protection against fraud. Fraudsters often use pressure techniques (e.g. “A loved one needs money urgently, increase your limit now!”) to push you to:

• Increase your limit immediately.
• Make a fraudulent money transfer before you detect the scam.

The 4 hours give you time to think about the legitimacy of the request, block your access and contact the bank to report an attempted fraud.

Why receive an SMS when increasing your online money transfer limit?

To increase security, an SMS notification is sent each time you request an increase in the money transfer limit, whether via Easy Banking App or Easy Banking Web.

• If you did not request the increase, please immediately contact:
  - The Easy Banking Centre on +32 2 762 90 00 (Mon-Fri 8am-10 pm, Sat 9am-5 pm)
  - Outside these hours, our fraud department is available on +32 2 433 43 80
• To receive these SMS messages, check that your mobile phone number is up to date in our records via:
  - Easy Banking App : 'Settings'> 'Personal details' > 'Contact'
  - Easy Banking Web : 'First name Last name' (top right) > 'Personal details'

I had already set a personalised limit on Easy Banking Web. What happens?

Your personalised limit remains unchanged. The new standard limit of €5,000 only applies to customers who have never amended their limits.

Can I schedule an online money transfer of more than €5,000 for tomorrow?

Yes, provided you increase your limit at least 4 hours before the money transfer is made. Remember to anticipate your needs to avoid it being blocked.

How long does it take to decrease my online money transfer limit?

A decrease is applied immediately. Only an increase requires a waiting time of 4 hours.

Does this limit also apply to Easy Banking App?

Nothing changes for the app: the default money transfer limit was already €5,000 per day.

Are there any fees for amending my money transfer limit?

No. Adjusting limits via Easy Banking App or Easy Banking Web does not incur any additional costs.

Where can I find more information about limits?

View the page What is the limit for a transfer? for a full explanation of the different limits and their conditions.