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Where can I find the IBAN for my account?

Look on your bank card, via Easy Banking under "Accounts" or at the bottom of your statements. The IBAN or "International Bank Account Number" is an international bank account number. In Belgium an IBAN consists of 16 characters: the letters "BE" followed by 2 digits and then the 12 digits of your national account number. You can calculate the IBAN yourself based on a Belgian account number .

How do I close an account on Easy Banking?

You can use the 'Closing an account' function to submit a closure request. The request will be processed within five banking days. The bank may reject a closure request in exceptional circumstances. If that happens, then all card holders will need to visit a branch in order to reactivate their cards. If the request is accepted, then:

  • the bank will freeze all cards linked to the account;
  • we will suspend all charges on the account;
  • you will receive a message informing you of the status of the closure in your Easy Banking mailbox;
  • the closed account will disappear from 'Your accounts and cards' and 'Your investments'.

What happens to any money left in the closed account?

  • When submitting a closure request you must select another account to which any remaining balance should be transferred. This balance includes the interest and charges at the time the closure actually occurs, as well as the results of transactions that have not yet been posted.
  • You can also select an account in which the bank will deposit any amounts that are transferred to your closed account for up to a year after it is closed.

What about statements for the closed account?

  • You can still view and download your statements for the closed account for up to three years using the 'Your statements' function.

Which period is taken into account for calculation of the total number of manual transactions?

We calculate the total number of manual transactions from 1 January of the current year or from the first day of the month.

Which transactions are regarded as manual?

The following transactions, for which you contact a bank advisor, are regarded as manual transactions:

  • cash withdrawals in Belgium;
  • cashing cheques issued in Belgium;
  • completion of paper transfers in Belgium;
  • completion of European paper transfers for payment in Belgium or overseas;
  • ordering and issuing cheques.

Can I export transactions from my archive in order to use them, for example in my budget management software?

Of course. However, you need to use the 'Transaction archive' function to request access to your transfer archive first. After that, you can export archived transactions to a download file at any time, which you can then use in programs like MS Access, MS Excel or Lotus 1-2-3. The export is carried out in blocks of 12 months maximum.

How do I request access to my transaction archive?

You can use the 'Transfer archive' function to request access to earlier transactions on your current and savings accounts. Select the account for which you wish to access the transaction archive using the 'New request' link at the bottom of the page. You will receive a message in your Mailbox within 24 hours to confirm that your desired archive is available.

What will I find in my transaction archive?

Easy Banking stores all earlier transactions relating to your Current or Savings accounts in this archive. By earlier transactions we mean all transactions dating from yesterday back until the first of January, five years ago. Transactions prior to this time are also stored, but you will need to request these from your branch. Once you request access to an archive using the 'Transaction archive' function, you will have full access to it for 1 month for searching, downloading etc. After the end of this period you can submit a new request for another month's access.

What is the CVC of my credit card?

The CVC or "Card Verification Code" of your credit card consists of 3 digits and is printed on the back of your card. It is sometimes requested as an extra security measure.

How can I evaluate the risk of an investment?

Each favourite equity is assigned a risk category by BNP Paribas Fortis. For all possible investments across the board, we use seven risk categories (category 0 to category 6):

  • Category 0: no risk
  • Category 1: very low risk
  • Category 2: Low risk
  • Category 3: low to medium risk
  • Category 4: medium risk
  • Category 5: medium to high risk
  • Category 6: high risk

What if the investment currency is not the euro?

In that case, we show the yield in both the investment currency and in euros. Differences in yield between the two calculations are attributable to the differences in the movements of the exchange rate.

For which bonds can I view the underlying value(s)?

This data is only available for the Reverse Convertible Note type of bonds.

What is meant by the warning of a bond?

This part goes into more detail about the risk linked to Reverse Convertible Note bonds.

What does the bank take into account when determining the risk level of a bond?

We look at the following risks:

  • the currency risk: the risk that the value of the currency in which the fixed-income investment is issued may fall against the euro.
  • the issuer risk: risk that the issuer of a debenture loan will be unable to repay the capital and/or the interest due without any problems.

How important is the rating of a bond?

A rating gives an indication of the creditworthiness of the issuer of a bond. It is based on the evaluations by specialised and independent firms, such as Moody's and Standard & Poor's. A high creditworthiness indicates that the investor can be almost certain that they will be paid both the yield and the capital. The rating of the issuer can be adjusted during the term of the bond. Moody's Standard & Poor's Rating Aaa Aa AAA AAA AA A Very high to high creditworthiness Baa Ba B BBB BB B Average to speculative creditworthiness: negative economic trends can affect the security of payment. The letters can be followed by a number (1, 2, 3), "+" or "-", which refines the classification. For example, Aaa1 ranks higher than Aaa3 and BB+ higher than BB-.

What is an eID card?

The eID card is the electronic ID card. You can find all the useful information you need about the card on the official site "http://eid.belgium.be/en"

How long does it take to update my data?

When using your eID card and a card reader, the update is carried out immediately. If you do not have a card reader, head to your branch in order to have your data updated.

Can I change my data if I have just moved house?

No, your data are updated in line with the information sent to your local authority. If you have just moved house, your first stop should be the civil registry department of your new local authority.

Can I change the data of my company?

Data of legal entities cannot be updated using Easy Banking Web. To carry out these changes, head to your branch with the appropriate documents.

What are the technical requirements to update my data?

Updating your data is currently only possible using Internet Explorer (IE9 or higher). Unfortunately it’s not yet possible with Google Chrome, Firefox or Safari.

My partner/child does not appear in the list of people for whom I can carry out an update. What should I do?

Ensure that you have definitely informed the bank of your status and that your partner/child is indeed a customer of the bank (i.e. holder, co-holder or proxy of at least one account). If this is the case, contact the Easy Banking Centre on +32 2 261 11 11.

Can I update who can access my account following a change of civil status?

In this type of situation (marriage, divorce, etc.), it is not possible to update remotely. You must go to your branch with the appropriate documents.

I have been disconnected from the application. Has my update been recorded?

If you have not received a confirmation message then your update has not been registered.

Why do I need to update my data?

When you update your data, they become available in our system. This means you no longer need to present your eID card when you want to subscribe to a new service, for example. When carrying out an update, you also respect the bank's general terms and conditions.

Why do some data require an e-signature to be updated while others do not?

This is due to legal obligations. As such, an e-signature is required when updating your first name, last name and place of birth.

What should I do if my data are not correct?

Using Easy Banking Web, you can update your data remotely. To do this, have your eID card to hand along with a card reader and log on to your personal profile. Easy Banking Web will guide you step by step.
If you do not have a card reader, head to your branch in order to have your data updated.

What do I do if no data appear in the overview of my data?

Check your Internet connection and ensure that you have properly logged on to Easy Banking Web. If the problem persists, contact the Easy Banking Centre on +32 2 261 11 11

What should I do if the system does not recognise my eID card/my card reader?

First check whether your card reader is properly connected to your computer/smartphone/tablet. Next, ensure that the card is inserted correctly into the reader (chip facing forwards and upwards) and that it has not been damaged. If the problem persists, head to your branch in order to have your data updated. If there is a technical problem with your eID card, ask your local authority for a replacement.

What should I do if the update has not been recorded?

If you were using a card reader and have not received an error message, try to execute the change again. If the problem persists, contact the Easy Banking Centre on +32 2 261 11 11.

What is a correspondence address?

All correspondence is sent to your home address by default.
However, you can request that all post concerning a particular account be sent to another address. This address is then referred to as a " correspondence address".

Which cards can I insert into the eID card reader?

Cards which allow you to update your details include your Belgian eID card, your electronic Belgian residency card and the Belgian Kid's ID.

Can I update my data without an eID card reader?

If you do not have a card reader, head to your branch in order to have your data updated.

Can I change the data of my partner/child myself?

Yes, in order to update the data of your partner/child, have his/her eID card and a card reader handy.

How do I update the data of my child under 12 years of age who does not have a Kids ID?

To update the data of your child, first submit an application for a Kids ID to your local authority.

An error message has informed me that I cannot update my data and that I should head to my branch. What should I do?

In certain exceptional cases it is not possible to update your data remotely. Head to your branch for a more detailed explanation of your particular case.

A message is telling me to update my data. What should I do?

Update your data remotely using Easy Banking Web. To do this, have your eID card to hand along with a card reader and log on to your personal profile. Easy Banking Web will guide you step by step.
If you do not have a card reader, head to your branch in order to have your data updated.

A message is telling me that my data have been updated but not my correspondence addresses. What should I do?

Your new home address has indeed been updated. However, our system has identified correspondence address(es) which have not yet been updated. To do this, please contact your branch.

Can I edit my direct debits in Easy Banking?

In Easy Banking you can:

  • view the details of your direct debits;
  • search for direct debits;
  • refuse any collections made through a direct debit before the execution date;
  • request the return of any collection up to 8 weeks after your account was debited;
  • check the 'status' of a collection: 'Requested', 'Not executed', or 'Executed'

Can I refuse a collection made through a direct debit I have authorised?

There is no difference between a B2C direct debit (from a business to a private individual) and a B2B direct debit (from one business to another - i.e. a direct debit between professionals). For B2C direct debits, you can request the repayment of a collection that has already been executed from your bank for up to 8 weeks after the money left your account. For a B2B direct debit, you cannot request the repayment of an already executed collection. In that case, you would have to get in touch with the company that made the collection. A red alert on a direct debit you have refused means that we are aware of your request for repayment. We will pay back the amount that we retained when executing the direct debit.

When will I be informed of a direct debit waiting for collection?

You should be notified of each collection at the earliest 14 days (target) or at the latest 1 day (target) before the execution date.

Can I block a direct debit?

You can block or restrict access to your accounts:

  • if your account is blocked then no direct debits can be executed;
  • when you restrict your account you select one or more suppliers that may no longer use direct debits.

You can lift these restrictions at any time. On an account level, you can specify that certain collections may not take place. This might apply to:

  • all future collections;
  • all B2B collections;
  • all initial or one-off collections.

What is a direct debit?

This is an automatic payment of (variable) amounts to the same person or institution for which you have given your prior agreement. This allows creditors to invoice you immediately. You do not have to create any transfers.

Direct debit requests

Contact the institution or person for whom you wish to pay invoices automatically. Confirm this with a direct debit form. Your creditor will then follow this up.

What are scheduled direct debits?

These are automatic payments that will be debited from your account soon. Your creditor has already sent the transaction to the bank.

Direct debit history

You can find a summary of your direct debits (executed and not executed) under "History". A red (X) icon next to a transaction shows that the payment has not been carried out.

Refusing scheduled direct debits

Go to the details for the scheduled direct debit and select "Refuse". The transaction will show an orange (!) icon in the list of scheduled direct debits. The payment will not be executed on the requested date. Note that you still will owe the amount to your creditor.

Request redemption of an executed direct debit

Go to the details of the transaction in question and select "Request redemption". The amount will be repaid to your account a few days later. Note that you will still owe the amount to your creditor. You can request redemption up to eight weeks after the execution of a transaction.

Search direct debits

Search for the name or alias of the institution. You can view scheduled direct debits at the earliest 14 days before the payment and at the latest 5 days before the first payment of recurring transactions and one-off transactions, and at the latest 2 days before the subsequent payment of recurring transactions. Refused direct debits remain online for 4 weeks. You can view direct debits that have been executed for 8 weeks.

How do I cancel a direct debit?

Contact your creditor to cancel the direct debit.

Blocking direct debits

Block your next transaction, all scheduled transactions or block your account for direct debits. Limit the period and amount of your direct debit. Specify who may debit your account, which beneficiaries and who may not debit the account.

What does the "Your Flexinvest plans" function do?

Use this function to manage your Flexinvest investment and payment plans: view existing plans, create a new plan, edit existing plans (new amount, new frequency etc.) and terminate existing plans.

What is a Flexinvest investment plan?

With a Flexinvest investment plan you give a standing order to invest a fixed amount (starting from 30 euros) in an investment fund offered by BNP Paribas Fortis, on a regular basis (monthly, bimonthly, etc.).

What investment funds can I choose for my Flexinvest investment plan?

By default we offer you a strategic investment fund, from which you can then choose a sub-fund in line with your investment profile (conservative, defensive, neutral, dynamic, aggressive). Would you rather invest in a different fund? You can do this by using the link "Other funds". You can choose from the whole range of BNP Paribas Fortis funds, with the exception of temporary offers (offer of the month etc.)

What is a Flexinvest payment plan?

The Flexinvest growth formula allows you to gradually build an investment portfolio in a fund. A payment plan does the reverse. It ensures that you can regularly draw a fixed amount from an investment fund that you have in your portfolio.

How can I evaluate the risk of an investment?

Each favourite equity is assigned a risk category by BNP Paribas Fortis. For all possible investments across the board, we use seven risk categories (category 0 to category 6):

  • Category 0: no risk
  • Category 1: very low risk
  • Category 2: Low risk
  • Category 3: low to medium risk
  • Category 4: medium risk
  • Category 5: medium to high risk
  • Category 6: high risk

What if the investment currency is not the euro?

In that case, we show the yield in both the investment currency and in euros. Differences in yield between the two calculations are attributable to the differences in the movements of the exchange rate.

What are the key figures of a fund?

You will find the following information there:

  • asset values;
  • annualised yield;
  • coupons due;
  • fund history;
  • asset values.

What is the annualised yield of a fund?

This is the return the fund makes over a given period (1, 2, 5 or 10 years), reduced to the average annual yield.

What if the investment currency is not the euro?

In that case, we show the yield in both the investment currency and in euros. Differences in yield between the two calculations are attributable to the differences in the movements of the exchange rate.

What can I see under 'Coupons Due'?

If this fund pays out coupons, you can see up to the last five most recent coupons payable with the associated number, the date and the value of the coupon.

How can I interpret the value of the coupons?

For funds under Belgian law, we show the net amount. This is the gross value of the coupon minus the withholding tax. For funds under Luxembourg law, we show the gross amount.

Can I view the history of my net asset value?

In Easy Banking, you will find the full history of the net asset value (NAV) for the last 10 years.

Which asset values do I see in the table?

Here you will find the five last known asset values for a given fund.

What is i-message?

The i-message service allows you to receive all kinds of useful information about your accounts via your mobile phone. Do you want to know what the available balance is on your account each morning? Do you want to know whether your salary has been paid or your stock market order has been executed? i-message will send you the information in a text message.

How much does it cost to subscribe to i-message?

i-message subscriptions are free of charge. You only pay for the text messages sent. The bank invoices you on the next quarterly due date for all the messages you received since your last invoice.

What information can I receive via i-message?

You can subscribe to four different types of i-message:

  • Balance:

You receive regular messages telling you the balance of the account you have selected, at an interval specified by you: daily, weekly or monthly.

  • Balance alert:

You receive a message when the balance of the account you have selected goes above an upper limit or below a lower limit specified by you.

  • Amount received:

You receive a message whenever an amount specified by you is deposited into your selected account. This might be a salary payment, for example.

  • Stock market order alert:
  1. You receive a message whenever a stock market order (shares or warrants) is executed in full or in part, or is cancelled.

How do I temporarily suspend my i-message subscription?

You may want to suspend your i-message subscription - for example, if you go on holiday. This allows you to avoid charges for text messages abroad (roaming).

In order to suspend your i-message subscription via Easy Banking:

  • select Suspend in the menu next to the subscription in question; or
  • select Suspend at the bottom of the detail screen for the subscription.

How do I cancel my i-message subscription?

In order to delete your i-message subscription via Easy Banking:

  • select the 'Delete' option in the menu next to the i-message subscription in question;
  • click Delete at the bottom of the detail screen for the subscription.
  • An electronic signature is required to delete your i-message subscription.

How do I manage my i-message subscription?

You can manage i-message in one of two ways:

  • In Easy Banking: using the 'i-message' function you can start up one or more subscriptions to the i-message service, and you can change, suspend or cancel existing subscriptions;
  • using the Self machines: you can manage any kind of i-message subscription via the Self machines, apart from stock exchange order subscriptions.

Why didn't I receive any i-message texts about my current account balance today?

If you asked to receive your account balance on a daily or weekly basis and specified too narrow a time window during which messages can be received, then in certain circumstances you may not receive your messages. For example: you ask to receive your balance every day between 5 p.m. and 10 p.m. If your mobile phone is switched off during this period (for example, you went to a concert, or your phone's battery was dead), then you will not receive the message. It is better to select a broader time window for receiving your i-message texts. If you asked to receive your balance every month, then the bank will try to send you your messages over three days if your mobile phone is not active during the initially requested time window.

Why didn't I receive an i-message informing me of the balance on my account on the day I specified?

If your specified day is immediately after a non-working day, we will send you the most recent available balance before that day.

Why doesn't the i-message giving me my balance include any transactions performed on that day?

The balance you receive by text is always based on the balance from the previous working day. For this reason, it does not take recently recorded transactions into account.

What is an eID card?

The eID card is the electronic ID card. You can find all the useful information you need about the card on the official site "http://eid.belgium.be/en"

How long does it take to update my data?

When using your eID card and a card reader, the update is carried out immediately. If you do not have a card reader, head to your branch in order to have your data updated.

Can I change my data if I have just moved house?

No, your data are updated in line with the information sent to your local authority. If you have just moved house, your first stop should be the civil registry department of your new local authority.

Can I change the data of my company?

Data of legal entities cannot be updated using Easy Banking Web. To carry out these changes, head to your branch with the appropriate documents.

What are the technical requirements to update my data?

Updating your data is currently only possible using Internet Explorer (IE9 or higher). Unfortunately it’s not yet possible with Google Chrome, Firefox or Safari.

My partner/child does not appear in the list of people for whom I can carry out an update. What should I do?

Ensure that you have definitely informed the bank of your status and that your partner/child is indeed a customer of the bank (i.e. holder, co-holder or proxy of at least one account). If this is the case, contact the Easy Banking Centre on +32 2 261 11 11.

Can I update who can access my account following a change of civil status?

In this type of situation (marriage, divorce, etc.), it is not possible to update remotely. You must go to your branch with the appropriate documents.

I have been disconnected from the application. Has my update been recorded?

If you have not received a confirmation message then your update has not been registered.

Why do I need to update my data?

When you update your data, they become available in our system. This means you no longer need to present your eID card when you want to subscribe to a new service, for example. When carrying out an update, you also respect the bank's general terms and conditions.

Why do some data require an e-signature to be updated while others do not?

This is due to legal obligations. As such, an e-signature is required when updating your first name, last name and place of birth.

What should I do if my data are not correct?

Using Easy Banking Web, you can update your data remotely. To do this, have your eID card to hand along with a card reader and log on to your personal profile. Easy Banking Web will guide you step by step.
If you do not have a card reader, head to your branch in order to have your data updated.

What do I do if no data appear in the overview of my data?

Check your Internet connection and ensure that you have properly logged on to Easy Banking Web. If the problem persists, contact the Easy Banking Centre on +32 2 261 11 11

What should I do if the system does not recognise my eID card/my card reader?

First check whether your card reader is properly connected to your computer/smartphone/tablet. Next, ensure that the card is inserted correctly into the reader (chip facing forwards and upwards) and that it has not been damaged. If the problem persists, head to your branch in order to have your data updated. If there is a technical problem with your eID card, ask your local authority for a replacement.

What should I do if the update has not been recorded?

If you were using a card reader and have not received an error message, try to execute the change again. If the problem persists, contact the Easy Banking Centre on +32 2 261 11 11.

What is a correspondence address?

All correspondence is sent to your home address by default.
However, you can request that all post concerning a particular account be sent to another address. This address is then referred to as a " correspondence address".

Which cards can I insert into the eID card reader?

Cards which allow you to update your details include your Belgian eID card, your electronic Belgian residency card and the Belgian Kid's ID.

Can I update my data without an eID card reader?

If you do not have a card reader, head to your branch in order to have your data updated.

Can I change the data of my partner/child myself?

Yes, in order to update the data of your partner/child, have his/her eID card and a card reader handy.

How do I update the data of my child under 12 years of age who does not have a Kids ID?

To update the data of your child, first submit an application for a Kids ID to your local authority.

An error message has informed me that I cannot update my data and that I should head to my branch. What should I do?

In certain exceptional cases it is not possible to update your data remotely. Head to your branch for a more detailed explanation of your particular case.

A message is telling me to update my data. What should I do?

Update your data remotely using Easy Banking Web. To do this, have your eID card to hand along with a card reader and log on to your personal profile. Easy Banking Web will guide you step by step.
If you do not have a card reader, head to your branch in order to have your data updated.

A message is telling me that my data have been updated but not my correspondence addresses. What should I do?

Your new home address has indeed been updated. However, our system has identified correspondence address(es) which have not yet been updated. To do this, please contact your branch.

What do signatories need to take into account when interpreting the test?

To run the test, the amounts on the savings accounts of the owner of the investor profile are used.

What is an investor profile used for?

Each time the bank gives you formal advice, they will inform you which investor profile a certain investment is compatible with. Some investments can, for example, only be made from neutral profiles; others are exclusively reserved for aggressive profiles etc. Your investor profile is also essential for the analysis of your portfolio.

How is an investor profile determined?

Your investor profile is determined using two questionnaires designed to find out about your financial situation, goals and your knowledge and experience of investment. There are 5 possible profiles according to the risk you are prepared and able to accept: conservative, defensive, neutral, dynamic, aggressive. Each of the five profiles has a specific ratio between shares and bonds. The ratio between the different assets in your portfolio determines, among other things, the level of risk you take on.

Can I change my investor profile?

Your investor profile can only ever be a snapshot. If your situation changes because you, for example, retire you may update your profile by completing the questionnaire once again. A modified profile is effective from the moment you sign it.

Where can I find my investor profile?

The "Your investor profile" page shows the profiles for all the Custody accounts for which you are the (joint) holder, legal representative or signatory. Important information An investor profile always applies to all the custody accounts with the same "holder status" (sole holder, co-holder, etc.) The bank automatically links all accounts of which you are the sole holder to the same investor profile.

Can I have an investor profile if I don't have a custody account of which I am the sole holder?

You can manage an investor profile that is not linked to a Custody account. If you later wish to open a Custody account in your own name, the bank will automatically link both accounts.

Do I have to sign an investor profile?

The investor profile is an important element in the relationship between you and the bank. This means that you must explicitly sign your investor profile before the bank can use it for its investment advice:

  • If you are the sole account holder, you can immediately sign the investor profile in Easy Banking.
  • Otherwise, you must print out the investor profile and have it signed by all the joint holders or by all the legal representatives and deliver it to the branch.

What can I learn from the "Summary of an investor profile"?

When you have fully answered the 2 investor profile questionnaires, you will see the investor profile suggested by the bank at the bottom of the page. By clicking on the "Next" button, you can see the simulated results of the suggested profile.

In "Summary of your investor profile" you can read your answers to both of the questionnaires:

  • conservative: you like to play it safe and invest 100% in bonds
  • defensive: you take limited risks and invest 75% in bonds and 25% in shares
  • neutral: you have an evenly distributed portfolio and invest 50% in shares and 50% in bonds
  • dynamic: you dare to take on a certain amount of risk and invest 75% in shares and 25% in bonds
  • aggressive: you like to take big risks and invest 100% in shares.

After the bank has given a summary of the suggested investor profile, can I still change my answers?

You can. Click on "Modify this questionnaire"

How do I evaluate the risk of a new investment product?

Our advisers jointly review the risk level of the investment product and/or any underlying assets for this product. They then compare this with your investor profile to determine whether the risk level matches or not.

How is the contribution calculated that a particular product makes to the diversification of the portfolio?

We do this by multiplying the total value of the portfolio (including the planned transactions) by the recommended maximum percentage in the relevant asset classes (equities, bonds, alternative investments) for your profile. The result obtained is then in turn multiplied by a maximum percentage in the asset class for a single transaction.

What terms apply for obtaining investment advice at my branch?

In order to benefit from advice from BNP Paribas Fortis, we first have to link your investor profile to your portfolio. Only in this way can we genuinely advise you and check whether a transaction is actually in line with your profile. In this way, the service we provide complies with the European MiFID (Markets in Financial Instruments Directive).

How is a realistic comparison of the portfolios made?

To obtain the most realistic comparison possible of the portfolios, before and after, we look at all assets with the same owner as your investor profile. You can also tell us if you have a baseline reserve fund you want to keep separate. This amount is then not included in the liquid assets that are included in the comparison. If you wish, we can include in the comparison: open orders (orders that are placed, but not yet executed).

How do I know if an order matches my investor profile?

If you are given advice about an order, we will then tell you whether your portfolio remains in line with your investor profile after the order is executed.

When do you check whether a purchase is compatible with my investor profile?

We only provide our advice when you make a purchase of whether the risk of the product is compatible with your profile and we check that your order is not over the maximum amount that we recommend for this specific order.

What does the bank do if there is insufficient information to determine the risk?

If the bank does not have sufficient information about the risk level of a product, we automatically assume that the risk is high and that the transaction therefore cannot be compatible with your investor profile.

Where can I find the details of the advice that I am given?

As the holder of a Custody Account you can view the report with the analysis and the advice.

Is every order checked for risks, even if I am not given advice?

Even when you are not provided with advice, the bank checks, depending on the complexity of the selected product, whether the planned order matches your knowledge and experience in relation to the product and your investor profile. When entering a new order, the screen also displays various warnings to make you aware of the risk.

Is the feasibility of the limit price checked?

The feasibility of your limit price is checked by comparing it to the most recent price.

How much can a listing vary from the latest price?

  • Per item, a maximum variance of 200% is permitted compared to the most recent price;
  • For listings in percentages, the variance can be a maximum of 20% compared to the most recent price.

What happens if the price varies too much from the latest price?

In that case, the order cannot be executed during the time limit. Your order will not be accepted.

Which limit prices can you use if Euronext quotes limit prices per share for securities?

  • For a limit price between 0 and 50 EUR, the limit price must be a multiple of 0.01 EUR.
  • For a limit price between 50 and 100 EUR, the limit price must be a multiple of 0.05 EUR.
  • For a limit price between 100 and 500 EUR, the limit price must be a multiple of 0.10 EUR.
  • For a limit price between 500 and 1,000 EUR, the limit price must be a multiple of 0.50 EUR.
  • For a limit price over 1,000 EUR, the limit price must be a multiple of 1.00 EUR.

How detailed can I make the Euronext limit prices for values listed in percentages?

Your price may contain a maximum of 2 decimals.

How detailed can I make the limit prices for titles listed on overseas exchanges?

  • Securities which are listed per item: your price may have a maximum of 4 decimals;
  • Securities quoted in percentages: Your price may have a maximum of 3 decimals.

Can I trade all securities via Easy Banking?

The bank is entitled not to make certain securities available for trading via Easy Banking For more information, please contact your branch.

What does MiFID mean?

The European Markets in Financial Instruments Directive (MiFID) aims to improve investor protection and ensure more transparency in the financial markets. When the bank provides you with advice, MiFID requires the bank to consider your financial situation, your investment goals and your knowledge and experience as an investor. Most banks (including BNPPF) do this by determining your investor profile. They then check whether your purchases and sales correspond to this profile.

When does BNP Paribas Fortis provide investment advice?

When you make an investment in your local branch which is monitored by the bank, we assume that you received advice as part of this process. The bank will then perform some tests to check whether the recommended product matches your profile. PC banking is generally a "no advice" environment. You conduct transactions yourself without consulting one of the bank's advisers.

What does the bank's investment advice for sales orders consist of?

For each sales order, we check whether the way your portfolio is structured (distribution across the four major asset classes, namely shares, bonds, alternative investments and cash) will continue to match your investment profile after the proposed transaction(s) has/have been made. If this is not the case, we will send you a message informing you of this.

What does the bank's investment advice for purchase orders consist of?

First of all, we examine your portfolio. We calculate the percentages of your portfolio that are invested in shares, bonds, alternative investments and cash. We then conduct a four-part test.

  • We check whether the intrinsic risk of the investment that you are making is acceptable for your investor profile. We exclude investments with risk class 5 or above (on a scale of 1 to 7) for conservative investors; We exclude investments with risk class 7 for defensive investors.
  • We check whether you are sufficiently familiar with the investment category in which you are making the purchase. We check the answer you gave on the investor profile questionnaire regarding knowledge in this field (question 9 for natural persons, question 12 for legal entities).
  • We check whether the investment you intend to purchase is excessive, because good advice presumes that you do not put all your eggs in one basket. We calculate the maximum amount as follows: we firstly multiply the total value of the portfolio by the maximum percentage recommended by your profile for the asset class concerned (shares, bonds, or alternative investments). We then multiply this amount by a percentage that depends on the product type (individual bond, bond fund, etc.) in which you are investing.
  • We check whether the way your portfolio is structured (distribution across the four major asset classes, namely shares, bonds, alternative investments and cash) will continue to match your investment profile after the proposed transaction(s) has/have been made. If any of the checks is negative, the overall advice will be negative. During the advisory meeting, your adviser will ask you some additional questions:
  • Your adviser will check whether the investment you are purchasing meets your personal goals at the time the advice is provided: do you want capital protection in euros? Do you want a coupon or a dividend? How long do you want to invest for?
  • Your adviser will only propose investments considered to be favourable by the bank.

When you provide advice for my portfolio as a whole, which investments are involved?

Before conducting a profile test, we examine your portfolio.

If you have an advice agreement (e.g. Portfolio Advice), the portfolio corresponds to the assets in the contract.

If you are making a transaction on a custody account outside an advice agreement, the bank will compile your portfolio as follows:

  • The custody account on which you are making the transaction plus all other custody accounts with the same name (i.e. in the name of the same holders)
  • Savings accounts, term deposit accounts and investor's accounts with the same name
  • Most branch 21 and branch 23 investments
  • You can specify the amount that you wish to keep as a baseline reserve fund. This cash portion is therefore isolated from the rest and is not included the MiFID test.

What sort of advice does the bank give as part of its investment advice?

We differentiate between two possible situations depending on whether you received advice or not. Please note: the screen will show various alerts regardless of whether you received advice or not. The bank wants to ensure that you conduct transactions in full awareness of any possible risk.

If you received advice

  • We will inform you whether your portfolio continues to match your investor profile after the order is executed;
  • For a purchase transaction, we check whether the risk of the investment product is too high for your profile; If the bank does not have enough information to estimate the risk of the product, a high risk level will automatically be assumed;
  • For a purchase transaction, we also check whether the order amount exceeds the accepted maximum amount;
  • For a purchase transaction, we also check whether you are sufficiently familiar with the investment category in which you are making the purchase.

If you did not receive advice

  • If you buy or sell an investment considered complex by MiFID, we will check whether you have sufficient knowledge and experience of the investment category. We also do this if you invest in an in-house fund offered by BNPPF or subscribe to a new initial public offering (IPO).
  • We do not conduct any tests for other investments.

What happens if I decide not to follow the advice provided by the bank?

If you choose to disregard the advice of the bank, the order can only be executed under your own responsibility.

Where can I find more information about investment advice offered by the bank for an order?

If the bank provides advice, you will receive a detailed report containing the results of the test. You can view this report before confirming the transaction (link to "Impact analysis of this order (PDF)"). This will enable you to make an informed decision.

Can I trade all securities via Easy Banking?

The bank is entitled to exclude certain securities from trading via Easy Banking You can see whether a security can be traded in Easy Banking in the "Utilities" detail window for the security, in the "Negotiable via PC banking?" section. Your branch has full information on securities which are not negotiable via Easy Banking.

How is a stock exchange order executed?

The bank places orders for Euronext Brussels online. Euronext has determined the trading periods for this. Orders are executed immediately if that is possible according to the conditions of the order. The order can be executed wholly or partly. We receive a message about this online from Euronext and amend the status of your order: "entered", "partly executed" and so on.

Can I follow the execution of my stock market order on Euronext?

The bank receives an online report from Euronext regarding the execution of your order. We immediately amend the status of your order in Easy Banking. The following statuses are possible:

  • "entered": you have completed entering your order;
  • "partly executed": the exchange has executed a part of your order;
  • "fully executed": your order has been executed completely:
  • "cancelled without prejudice to possible execution": you have cancelled your order, but the bank does not yet know for sure that it has been cancelled by the exchange;
  • "suspended without prejudice to possible execution": the limit date has been exceeded, but the bank cannot yet say for sure whether the order has been executed by the exchange.

Can I follow the execution of my stock market order on a foreign exchange?

We forward orders intended for foreign stock exchanges 24 hours per day, 7 days per week online to the foreign broking houses, which act for the bank in these stock exchanges They, in turn, place the orders on the exchange concerned. As soon as your order has been partly or fully executed, we receive notice of this from the broking house. The bank immediately amends the status of your pending order. You must count on a somewhat longer handling time than for orders of the Brussels Exchange.

Can I still modify or cancel a stock exchange order later?

A fully executed order can no longer be altered or cancelled, If a stock exchange order is partly executed you can still modify or cancel any part of the order not yet executed. This requires intervention by your branch or the Easy Banking Centre. In Easy Banking this can only be done for pending orders with the status "entered".

Which information can I find in the amortisation table for my loan?

You can easily follow the progress of your loan thanks to the amortisation table. In the amortisation table you will find:

  • the balance after due date: the amount of capital still payable after the due date. Please note that this amount does not include any unpaid due dates. It can show a different amount than the outstanding capital as stated in the loan details screen;
  • the total monthly payment (column 'Total due');
  • the amount of 'capital' in the monthly repayment;
  • the amount of 'interest' in the monthly repayment;
  • total to be paid: the amount payable on a specific due date. In practice, it is the sum of the amounts mentioned in the columns 'Capital due' and 'Interest due'.

What is an instalment loan?

An instalment loan is a loan for a certain term. You receive this in the form of one single advance which is not renewable.

The interest is fixed throughout the term of the loan.

The borrower needs to repay the loan within the agreed term and according to the agreed repayment plan. The repayments can be with:

  • regular frequency (fixed total monthly amount: interest plus capital repayment); or
  • regular capital repayment (fixed capital repayment per month.

What is an overdraft facility?

An overdraft facility is a loan for professional purposes. The bank facilitates a credit limit which the borrower can use according to the needs of their company or business.

An overdraft facility may have an end date but may be undetermined without a specific end date.

The borrower is required to:

  • pay charges throughout the term of the loan. These consist of accrued interest and commission (compensation for the provision of the capital);
  • repay of the outstanding amount at the end of the loan.

What is an investment credit?

An investment credit is a loan for professional use. It has a fixed term and is repaid according to an agreed repayment plan.

The interest:

  • is fixed; or
  • can be periodically reviewed after a period determined by the borrower.

The borrower must repay their loan within the agreed term and according to the agreed repayment plan.

What is a loan with variable interest rate and fixed monthly repayments?

A loan with a variable interest rate and fixed monthly repayments continues to have a fixed interest rate for an agreed period (for example, 1 year). After that, the bank will recalculate the interest rate according to the interest rate at that time and which is dictated by the reference index. Is the new interest rate higher? If so, the monthly amount (monthly repayment) remains unchanged, but the loan period will be extended accordingly. For loans with a term of 15 years, a maximum of 3 years can be added. For loans with a term of 20 or 25 years, a maximum of 5 years can be added. Is the new interest rate lower? If so, the monthly amount (monthly repayment) remains unchanged, but the term will be reduced accordingly.

What is the difference between a fixed rate mortgage and a variable rate mortgage?

With a fixed rate loan, the base rate and duration are fixed. From the start of the loan you know exactly how much you pay and over which period. For loans with a variable interest rate, the interest rate is fixed for 1, 5 or 10 years. After that period the bank will adjust the interest rate according to the reference index at that time. Any adjusted interest rate will then be effective for a new period of 1, 5 or 10 years. The increases are limited: they cannot be higher than an agreed percentage above the original interest rate. Any reductions are also limited: they cannot be lower than an agreed percentage below the original interest rate.

Can I choose a savings account as a new account for my loan repayments?

No. It is not possible to make loan repayments from a savings account. Legislation requires that you always enter a current account as the new account.

Can I choose a current account that is only in my name for my loan repayments?

That is only possible if you took out the loan on your own, with no joint borrowers or guarantors.

Can I choose a current account for which I am only a proxy for my loan repayments?

No. Your proxy could be removed at any moment. In that case, the loan could no longer be repaid, which would lead to unwanted late payment interest and other charges.

Can I enter a current account in two names which was previously a current account solely in my name for my loan repayments?

You may enter a current account held in two names for the payments. It is best to choose the current account into which your salary is paid. This will avoid late payments that could lead to late payment interest. What's more, if having your salary paid into a BNP Paribas Fortis account was a condition for a lower interest rate for your loan, you will be contractually obliged to open a current account with BNP Paribas Fortis into which your salary is paid.

Can I enter an account held with another bank as my new account for my loan repayments?

No. The only possibility is a current account with BNP Paribas Fortis or Fintro. It must be a current account, and preferably the current account into which your salary is paid. This will avoid late payments, late payment interest and other charges. In some cases you will be contractually obliged to use a current account into which your salary is paid.

What should I do if I have entered the wrong account that I want to use for my loan repayments?

You simply repeat the 'Change current account' procedure and choose the correct account for making repayments.

Do I have to choose the same current account for the repayment of all my loans?

In theory, you can enter a different current account for each loan. Yet it is not practical. Most borrowers choose the same account for making their loan repayments. It is preferred to choose the account into which your salary is paid.

I changed my current account from which the loan repayments were made. When will this change take effect?

The change takes effect immediately. The day after the change for this account is made, the next loan repayment can be taken from this account.

Can I change the account from which my loan repayments are made?

Yes, you may do so at any time. Simply follow the 'Change current account' procedure.

When I change the account from which my loan repayments are made, will the loan characteristics change as well?

No. You only change the current account from which the repayments are made. Other characteristics of the loan, such as frequency of repayments, repayment amount, next due date, etc. will remain unchanged.

When I change the account from which my loan repayments are made, will the repayment date change as well?

No. Loan characteristics such as the repayment date, frequency of repayments, repayment amount, etc. will remain unchanged.

Can I change the repayment date?

No. You can only change the current account from which the repayments are made. The other loan characteristics (repayment date, frequency of repayments, repayment amount, etc.) can only be changed by your branch.

Will changing the current account from which my loan repayments are made have consequences for my interest rate?

Possibly. If having your salary paid into a BNP Paribas Fortis current account was a condition for a discounted interest rate for your loan, you will be contractually obliged to open a current account with BNP Paribas Fortis into which your salary is paid. Furthermore, the discount could be bound to additional conditions for the current account: a specified transaction volume on your accounts, a specific customer relationship, etc. It is therefore important that the new current account continues to meet the contractual requirements. Otherwise there is a danger of losing the advantageous conditions of the loan, such as the discount on the interest rate.

What is meant by 'Current interest rate'?

The current interest rate is the interest rate which is currently in force. This may be the same as the original interest rate in your contract. It may also be different, for example, after the interest rate has been reviewed.

What is the Annual Percentage Rate?

The APR expresses the total costs attached to your loan. This is expressed in a percentage, and is comparable to interest on an annual basis. It not only takes interest into consideration, but also all other charges such as arrangement fees. Apart from the APR, no additional charges are permitted on a loan.

What is meant by the total costs of a loan agreement?

This is the difference between the amount of the loan and everything you will have repaid at the end.

What is meant by a line of credit?

A line of credit is the overdraft permitted on your account. This is used with overdraft facilities, amongst others.

What is meant by the 'Frequency of the reviews'?

The frequency indicates how often the interest rate will be reviewed after the first review. This frequency may vary. As such you can determine at which frequency the reviews will take place after the first review.

What is meant by 'the estimated end date'?

This is the date on which the loan is most likely to end. Each review of the interest rate may result in a longer or shorter duration of the loan. The end date is recalculated with each review of the interest rate.

What is meant by 'Capital due'?

This is the amount of capital repayments still outstanding on the loan. This amount takes any unpaid due dates into consideration.

What is meant by 'Next review'?

This provides you with the date of the next review of the interest rate on your loan.

Have you entered incorrect M1 electronic signatures?

Call Easy Banking Centre on +32 2 261 11 11. You can make up to 5 attempts with an M1 e-signature. After the fifth unsuccesful attempt both Easy Banking and your bank card will be blocked.

Where can I find my customer number?

Look at the front of your bank card. Your customer number consists of 10 digits. Do not confuse this with your card number (these are 17 digits long and also appear on the front of your card). Note that you cannot log on to Easy Banking with your credit card.

When do I use an M2 signature?

Use your M2 signatures to confirm transactions. Only enter an M2 signature if you yourself have started a transaction. Any other request for an M2 signature is suspicious. Note that you will not always have to enter an M2 signature when you purchase something online. It depends on the payment options of the website or web shop.

Which card do I use with the card reader?

Use your bank card or "debit card" with number 6703 xxxx xxxx xxxx x. Note that your card must be linked to an Easy Banking contract and must be used for the first time at a cash machine or to pay at a shop. You cannot log on to Easy Banking with your credit card.

What happens when I change my password?

Attention: by changing your password in the Easy Banking App, you also change it in the Hello bank! app and vice versa.

What is Easy Banking?

Easy Banking is the new PC banking. Manage your banking affairs anywhere and anytime with Easy Banking, whether on the go or at home. Easy Banking adapts to all your devices (computers, smartphones and tablets) and is also available as an app for your mobile devices (iOS and Android).

Can I use a card reader issued by another bank to log on and make transfers from or to my BNP Paribas Fortis account?

Some card readers issued by other banks will allow you to log on and carry out transfers from or to your BNP Paribas Fortis account. However, if you do use readers from other banks, you may obtain an electronic signature containing fewer than 8 digits. This means that if you enter the signature as it appears, it will be considered incorrect. To avoid this problem, simply add zeros to the start of the electronic signature until you obtain the required 8-digit figure.

Which insurance policies can I consult under the 'My insurance' heading?

The 'My insurance' feature allows you to consult all AG Insurance policies offered by BNP Paribas Fortis:

  • of which you are the policyholder;
  • for which you have viewing rights.

You can consult the following insurance policies:

  • Non-life insurance: Top Home, Top Family, Third-Party Motor Insurance, etc.
  • Investment insurance: Free Invest Plan, Easy Fund Plan, Junior Life, etc.
  • Life insurance: Loan Protection Insurance, Pension Invest Plan, Home Invest Plan, etc.

What can I do if certain insurance policies are not included in the 'My insurance' summary?

If you are a policyholder or have viewing rights for a certain insurance policy that does not appear in Easy Banking, please call +32 (0)2 433 40 31 to see if our help desk can add the insurance policy for you.

Which insurance policies are not included in the 'My insurance' summary?

Insurance policies with a specific correspondence address will not appear in Easy Banking. Insurance policies for which you have no viewing rights will not appear in Easy Banking either. For example, the policyholder of your group insurance is a company. You do not have viewing rights in this case.

What do I use the envelope for investment orders for?

You can create new investment orders in Easy Banking within this envelope without submitting them immediately. The orders you have stored in the Envelope can be submitted for execution at a later time. To do so, you only have to add one electronic signature. You can create one Envelope per Custody account.

How long do my orders stay stored in my Envelope?

We keep the contents of your Envelope for 10 calendar days after the date of the last investment order entered.

What happens if I want to continue with an order despite the warnings?

In that case, the order can be executed, but entirely at your own risk.

What do I see on the screen 'My interest and premiums'?

This screen provides detailed information about the interest and premiums you have earned:

  • the basic interest you have paid and/or earned and the loyalty premium from the start of the current capitalisation period up to now;
  • the loyalty premiums that you will earn if the balance in your savings account remains the same;
  • the interest and premiums paid for all capitalisation periods during the previous calendar year.

What is a transferred premium?

The loyalty premium on your savings account is transferrable. That means you can transfer money from one regulated savings account to another (both accounts must be in your name) and continue the loyalty premium period that you began with your first savings account on your second savings account.

Can I simulate the return on my savings account?

Yes you can! The 'Simulate the return on my savings' function allows you to:

  • simulate the final amount that you will have available after a given savings period if you deposit a fixed amount each month, or make a single deposit at the start;
  • simulate the amount you would need to save each month over a given savings period in order to reach your target final amount.

The following rules apply during simulations:

  • the simulation is based on the interest rates that apply on the date it is carried out;
  • the simulation is based on the tax legislation in force at the time the simulation is carried out - the withholding tax rate, the amount exempt from withholding tax etc.;
  • the simulation assumes that you actually make all the required deposits, and that they remain in your account until the end of the period being simulated;
  • the simulation assumes that interest is capitalised. This means you do not withdraw your interest, but leave it on your savings account so that it can in turn accrue interest in the following account period.

How do I interpret the result of my simulation?

The result of the simulation shows you the net final amount at the end of the specified savings period. This amount includes:

  • any initial capital;
  • the monthly deposits; and
  • the accrued net interest.

How do you calculate the basic interest rate in the simulation?

The basic interest rate on a savings account is calculated on a daily basis. It is not guaranteed, and could thus change every day based on adjustments to interest rates. Only one interest rate applies to any savings deposit at any one time. The simulation is based on the interest rates that apply on the date it is carried out. Naturally, it cannot take later fluctuations into account.

How do you calculate the loyalty premium in the simulation?

In order to obtain the loyalty premium, the amount must remain in the account for 12 successive months. An amount that obtained the loyalty premium will automatically be reinvested for a new 12-month period. The loyalty premium that applies at the time of the deposit or at the start of a new loyalty period will apply throughout the entire loyalty period. The simulation is based on the interest rates that apply on the date it is run.

What is the difference between gross and net interest?

Net interest is equal to gross interest minus withholding tax. In regulated savings accounts, you only pay withholding tax on any returns in excess of the tax-exempt amount.

Where can I find more information about the interest I earn?

Click on the 'Tools' button next to your account number. This shows you detailed information about the interest you have earned:

  • the basic interest and the loyalty premium you have earned since the start of the current capitalisation period up to now;
  • the basic interest and loyalty premium you can still earn between now and the end of the current capitalisation period, provided the balance on your account remains the same;
  • the loyalty premiums you can still earn if the balance on your savings account remains the same.

Which period is taken into account for calculation of the total number of manual transactions?

We calculate the total number of manual transactions from 1 January of the current year or from the first day of the month.

Which transactions are regarded as manual?

The following transactions, for which you contact a bank advisor, are regarded as manual transactions:

  • cash withdrawals in Belgium;
  • cashing cheques issued in Belgium;
  • completion of paper transfers in Belgium;
  • completion of European paper transfers for payment in Belgium or overseas;
  • ordering and issuing cheques.

What are pension savings?

With pension savings you can put an amount to one side every year with tax benefits in order to have a better income when you are ready to retire. The tax rebate is 30% of the premium. You can put a maximum of 940 euros to one side and you can choose:

  • an investment fund that invests in a mixture of shares and bonds;
  • pension savings insurance with a guaranteed yield and possible tax-free profit-sharing. This last feature is not guaranteed.

Up to what age can I save for my pension?

Your can save for your pension up until 31 December of the year that you turn 64.

What is 'Easy Banking Phone'?

This service allows you to

  • carry out a wide range of different transactions yourself using the keys of your mobile or landline phone within a secure environment (i.e. logged in - hence the Easy Banking Phone contract).
  • contacting advisors at the Easy Banking Centre. Our lines are open Monday to Friday from 7 a.m. to 10 p.m. and Saturdays from 9 a.m. to 5 p.m. If you want them to execute a transaction for you, then you will of course need to log in to the secure Easy Banking Phone environment.

What can I customise using the 'Easy Banking Phone access' function?

The Easy Banking Phone function allows you to manage all Easy Banking Phone contracts for which you are the holder. For example, you can:

  • activate your access to the service for free if it becomes inactive;
  • change the secret code for a specific Easy Banking Phone contract;
  • change the accounts you want to use in Easy Banking Phone.

Why is Easy Banking Phone not active?

Your Easy Banking Phone service will be inactive if:

  • you have never asked for Easy Banking Phone to be activated;
  • you enter the wrong code on three consecutive occasions;
  • you have never changed your secret code via Easy Banking Phone.
  • You can activate your access to Easy Banking Phone by clicking on 'Activate'.

What numbers can I use to access Easy Banking Phone?

Access to Easy Banking Phone requires you to enter a number to identify yourself. You can choose one of the following numbers:

  • Your customer number: this number has 10 digits and is listed on all documents that BNP Paribas Fortis sends to you.
  • The number of your Easy Banking Phone contract: this number has 12 digits and begins with 09.
  • The Belgian account number connected to your Easy Banking Phone contract: this number has 12 digits.
  • The IBAN (international account number) of the account connected to your Easy Banking Phone contract. Please note that BE + 12 digits. Please note: you do not need to enter the BE, just the digits that follow it.

Multiple Easy Banking Phone contracts can be linked to a single account. In this case, you will also need to enter your date of birth as well as one of the above-mentioned numbers.

Why does Easy Banking Phone require me to enter a secret code alongside my access number?

The secret code is part of Easy Banking Phone's security. It must consist of 5 digits of your choosing; however, obvious 'codes' such as 11111 or 12345 are not permitted.

Which accounts give me access to Easy Banking Phone?

We need to make a distinction here between 'gaining access to Easy Banking Phone' and 'making transactions in Easy Banking Phone'. The Easy Banking Phone selection menu presents the current account you chose as a reference account by default. However, you can also choose to link a savings account to the Easy Banking Phone access. During a Easy Banking Phone session you can then also work with all accounts (both current and savings accounts) that you own, co-own or hold power of attorney over.

What can I do with the 'Easy Banking Phone access' function?

This function allows you to manage all your Easy Banking Phone contracts.

What can I do with Easy Banking Phone in general?

Easy Banking Phone allows you to bank via the keypad of your landline or mobile phone. You can also connect to an adviser at the Easy Banking Centre and provide them with instructions via a secure environment (Mon-Fri 7am-10pm; Sat 9am-5pm).

What can I do with the "Simulate your portfolio" feature?

Use the "Simulate your portfolio" feature to simulate sell and buy orders and change the 'cash' amount in your portfolio. Then you can evaluate the simulation result by comparing the simulated portfolio with a) your actual portfolio and b) the reference portfolio for your investor profile. We also compare:

  • the performance;
  • the risk;
  • the diversification of positions.

What do I need to be able to simulate a portfolio?

To be able to simulate your portfolio, you need:

  • an investors profile;
  • at least 1 asset. This might be securities on a custody account, an investment insurance policy that invests in funds or a virtual portfolio that is also visible to your adviser at the branch.

What can I do with the results of the "Simulate your portfolio" feature?

If you save the simulation, you will receive a list of possible buy or sell orders. In the "Transactions" menu you can execute certain orders to bring your securities portfolio more into line with the simulated portfolio.

What will I see as the result of the "Simulate your portfolio" feature?

The "Simulate your portfolio" feature results in a number of charts and summaries. They give you a detailed view of the modifications that you have made to your portfolio through the simulation. The report starts with the important summary report. The summary shows:

  • the analysis of your portfolio's results;
  • the analysis of the simulated portfolio's results;
  • the analysis of the reference portfolio's results for your saved investor profile;
  • the analysis of the risk level of each of the 3 above portfolios; • the diversification per asset class of the 3 above portfolios;
  • in some cases the simulation contains more information about the results and the calculations used to produce those results. Simply click to read more detailed information.

If you want to look more closely at the results of your simulation, please contact your investment specialist.

What can I see in "Security in portfolio/security to be delivered"?

Here you will find all the information about transactions on Custody accounts, about the specific securities the transaction relates to and about the price that you may have to pay to participate in the planned transaction.

What should I do if I do not want to participate in a proposed transaction?

You simply continue to keep your securities on your Custody account. In only very few cases will the issuer of the security declare the transaction mandatory.

What should I do if I do want to participate in a proposed sale of securities?

You tick the option: "Sell the securities in the portfolio under this transaction". If you choose this option, you cannot enter a limit price. Remember that this option automatically applies to all the relevant securities in the portfolio.

What happens if I do not give any instructions for a planned securities transaction?

If we do not receive any instructions from you within the defined time frame for responding, we will carry out the default transaction. For each proposed securities transaction you can read what the default transaction is.

How much time do I have to respond to a planned securities transaction?

A securities transaction, such as an increase in capital, is only open for a short amount of time. A standing order ensures that you respond in time and automatically if a securities transaction has been offered.

What is an allotment in the context of a securities transaction?

If new shares are divided between current shareholders, the allocation occurs proportionally to the number of shares you already hold.

What is a dividend in shares?

A dividend can be paid in cash or in shares: part of or all of the profits are then distributed in the form of securities.

What is an optional dividend?

For optional dividends you choose yourself, as the shareholder: if you want to receive the dividend in cash or in shares.

What is reinvesting?

When reinvesting you invest the distributed dividend in new shares.

What is the country of issue?

It is the country where the most important issuer is registered. If you specify a country of issue, you limit the scope of your standing order.

Where can I find the ISIN codes?

The ISIN code appears automatically for each security in the custody account.

What can I do with the "Relationships" function in the "Open custody account" section?

This function allows you to delete or add signatories if you wish.

Please note:

  • if the custody account is a "bare ownership" account, you can only add beneficiaries.
  • If the reference account belongs to a minor, only the legal representatives can act as signatories.

Can I change the accounts included in my Easy Banking contract?

That is possible for savings accounts and custody accounts for which you are the account holder. Modifications to the investor's account require intervention by your branch.

What must I bear in mind if I change the custody account(s) in my Easy Banking contract?

You must bear in mind that there is a link between the custody account and the investor profile connected to your contract. Obviously you can also change the investor profile.

What is an investor's account?

An investor's account is an account in which all of the transactions relating to your portfolio are carried out. For example, payment of dividends and coupons or redemption of capital on maturity.

What is the benefit of a virtual portfolio?

In a virtual portfolio you can include the accounts which you have with another financial institution. You can include them in your portfolio yourself or let your advisor or branch do that for you.

What is the benefit of the investment alerts in the Portfolio Advice contract?

If you have a Portfolio Advice contract, you will receive an alert or a warning if:

  • an investment in your portfolio matures;
  • the volatility of your portfolio is too high in comparison with the investor profile linked to your contract;
  • a security which you specially wish to follow reaches a minimum or maximum price set by you.

Can I change my Portfolio Advice contract?

Yes. The modifications can relate to:

  • the type of contract;
  • the name;
  • the investor profile;
  • the objective.

What is the aim of the investor profile?

The investor profile shows how much risk you want and can take on in your investments:

  • The risk that you want to take depends partly on your willingness to accept temporary losses.
  • The risk you can accept depends partly on the size of your portfolio, your income, your savings capacity and your knowledge and experience as an investor.

The bank bases its analyses, investment advice and formal advice to reorganise the portfolio on the investor profile that you have set for your contract.

The investor profile is the cornerstone of our formal advice. It is, therefore, important that the investor profile always reflects your personal ability to bear risk and your risk tolerance. We advise you, therefore, to be sure to review your investor profile when your personal circumstances change. Important changes include, for example, retirement, children who leave home, divorce, inheritance and the like.

The bank shall, nevertheless, take the initiative to regularly review your investor profile. For that reason they have set a period of validity for each profile. This period of validity is as follows:

  • Conservative profiles expire after 8 years.
  • Defensive and neutral profiles expire after 5 years.
  • Dynamic and aggressive profiles expire after 5 years.

Which price alerts can I set in Portfolio Advice?

In the framework of your Portfolio Advice contract you receive a notification when the securities you wish to follow reach a particular price.

You can set:

  • the minimum price that leads to a notification;
  • the maximum price that leads to a notification.

How do I receive price alerts from Portfolio Advice?

You will receive notifications in your Easy Banking mailbox.

Which investment preferences can I include in my Portfolio Advice contract?

  • With the choice "No positions in", you indicate which investment categories you no longer wish in your portfolio. The bank will sell the securities in question. If, for example, you wish to have no positions in individual shares, we will no longer recommend individual shares during a rebalancing. For individual shares already in your portfolio we will make a sales recommendation.
  • With the selection "No new purchases in", you specify the investment categories in which you no longer wish to invest. We will make no further recommendations of that type; the securities in that category that you already have in your portfolio will remain there.
  • With the "Market segments" option you set a market in each desired asset class (shares, bonds, etc.). For example, you may want shares but not American shares.
  • With the "Liquidities" option you set an amount that may in no circumstances be invested.
  • With the "Preserve securities" options you specify the securities which must stay in your portfolio.

What information can I find in the analysis report from Portfolio Advice?

As part of your Portfolio Advice contract you will regularly receive an analysis report. You select the frequency and method of sending. The analysis report also forms the basis for your portfolio discussion with your advisor.

In your analysis report you will find, among others:

  • the effective yield of your portfolio;
  • the composition of your portfolio;
  • the risk level of your portfolio;
  • a summary of all of the positions in your portfolio;
  • a maturity schedule.

Which investments are covered in the analysis report from Portfolio Advice?

For the analysis report the bank reviews all assets covered by your Portfolio Advice contract. This includes:

  • your custody account;
  • your investor's account;
  • your savings account(s);
  • your term deposit account(s);
  • your financial insurance;
  • an external portfolio that you may have linked to your account.

What does rebalancing involve under the Portfolio Advice contract?

Your adviser will regularly invite you to a rebalancing meeting, which you can choose to have quarterly, semi-annually or annually. Together you will discuss what you can do to bring your portfolio in line with the reference portfolio which the bank uses for your investor profile. But you do not have to follow this formal advice. All formal advice is always optional.

What are the advantages of a Portfolio Advice contract?

With a Portfolio Advice contract you define a portfolio which the bank will proactively pursue. A portfolio includes a custody account, an investor's account, one to four savings accounts, a maximum of four term deposit accounts, a maximum of ten financial insurance policies, and an external portfolio.

Each contract also has an investor profile, which determines the formal advice.

Thank to Portfolio Advice you can enjoy extensive investment services:

  • you receive regular detailed portfolio reports;
  • your adviser will regularly invite you to a portfolio meeting;
  • your will receive tailored reinvestment advice for each investment at its due date;
  • you will receive notifications when securities reach a valuation determined by you;
  • you will receive a warning if the volatility of your portfolio becomes too great for your investor profile;

What if I lose my smartphone or tablet?

Call Easy Banking Centre on +32 2 261 11 11 and have your mobile device transferred. The safety of Easy Banking is thus guaranteed and a "happy finder" cannot simply log on in this way. Keep your customer number and the name that you have chosen when configuring the device to hand.

Secure Easy Banking

BNP Paribas Fortis ensures maximum security with Easy Banking. You can also take measures yourself to ensure safe Easy Banking: Update your operating system and browser promptly. Do not give viruses a chance and only buy from well known and reliable sites. Secure your Wi-Fi network with a WPA2 password. Lost or stolen smartphone? Have your SIM card blocked immediately. Activate keypad locking on your device to lock it automatically and unlock it with a PIN. Never leave your device unattended. Your bank card is personal. Never give it to someone else. Never write down the PIN for your bank card and never give it to anyone else. Only log on with the card reader using the red M1 button. Never use the blue M2 button for this. Use the PIN for your bank card only with the card reader. Never provide it over the phone, by e-mail and on the website. BNP Paribas Fortis will never ask you for your PIN. Never enter an e-signature with the card reader if someone asks you to by telephone or e-mail. Always close Easy Banking by clicking on "Log out". Suspicious signs when using Easy Banking: Unexpected wait screen. Unexpected need to log on a second time or to confirm a log on with an M2 e-signature. A screen in a different language to the normal language you use for Easy Banking. Easy Banking does not react as normal. An unexpected request to enter confidential information in an unusual manner. Noticed anything suspicious? Close Easy Banking using "Log out" and call Easy Banking Centre on +32 2 261 11 11 (on weekdays from 7.00am to 10.00pm and on Saturdays from 9.00am to 5.00pm).

How can I evaluate the risk of an investment?

Each favourite equity is assigned a risk category by BNP Paribas Fortis. For all possible investments across the board, we use seven risk categories (category 0 to category 6):

  • Category 0: no risk
  • Category 1: very low risk
  • Category 2: Low risk
  • Category 3: low to medium risk
  • Category 4: medium risk
  • Category 5: medium to high risk
  • Category 6: high risk

What if the investment currency is not the euro?

In that case, we show the yield in both the investment currency and in euros. Differences in yield between the two calculations are attributable to the differences in the movements of the exchange rate.

On the basis of what criteria does the bank prepare the list of 'favourite shares'?

The choice of favourite equities that you can view in Easy Banking is based on fundamental and/or technical analysis criteria. They are selected from a wider group of buy recommendations.

How reliable is the list of 'favourite shares'?

Favourite equities are selected on the basis of fundamental and/or technical analysis criteria, but this cannot guarantee their success. You therefore need to check any recommendation of an investment product against your own risk appetite and investment horizon. Our experts are happy to give you the advice you need.

How can I evaluate the risk of an investment?

Each favourite equity is assigned a risk category by BNP Paribas Fortis. For all possible investments across the board, we use seven risk categories (category 0 to category 6):

  • Category 0: no risk
  • Category 1: very low risk
  • Category 2: Low risk
  • Category 3: low to medium risk
  • Category 4: medium risk
  • Category 5: medium to high risk
  • Category 6: high risk

How does the bank measure the risk of an equity?

The risk of an individual equity is measured using the VaR (Value at Risk). This calculation provides a maximum percentage annual loss that an investor can suffer on a given equity, with a reliability of 95%. Please note: the VaR only gives an indication of the risk, without in any way providing a cast-iron guarantee for the future.

What risk scale does the bank use to rank favourite shares?

Every favourite share belongs to a BNP Paribas Fortis risk category. For all possible investments across the board, we use seven risk categories (category 0 to category 6). Individual equities automatically belong in the 3 highest risk categories: risk category 4 represents 'medium to high risk', risk category 5 represents 'high risk' and risk category 6 'very high risk'.

What information can I find under the heading 'Key Figures'?

This section includes the most important features that you need to know to be able to track the share in detail. You will see:

  • the RIC (Reuters Instrument Code), the code used by Reuters to identify the security
  • the stock exchange, where the share is listed
  • the currency, in which the share is listed
  • the latest price, with a maximum delay of about 15 minutes
  • after hours changes, the difference between the most recent known price and the previous closing price, expressed as an amount in the current in which the share is listed and as a precentage
  • ask/bid, the price at which a market maker will buy (bid price) the share. If you want to buy a share, you will have to offer at least the ask price
  • the volume, the number of shares traded today or on the most recent trading day
  • the opening price, the price of the share at the time when the relevant stock exchanged opened today or the previous trading date when closed today, expressed in the currency which the share is listed
  • the closing price, the price of a share at the time when the relevant stock exchange closed on the previous trading day, expressed in the currency in which the share is listed
  • the earnings per share, the total net profit of the company divided by the number of shares, expressed in the currency in which the share is listed
  • the price/earnings ratio, the ratio between the current share price and the net profit per share of the company
  • the annual dividend, the last known value of the divident per share, expressed in the currency in which the share is listed
  • the ex-dividend date, the latest date on which the coupon could be claimed. After this date, the share no longer entitles the holder to the next divident payable. On this date, hte market price of the share will be reduced by the amount of the divident
  • the payment date, the last known date on which the dividents will be paid. The date is determined in the annual general meeting of shareholders
  • the highest and lowest price in the year to date.

What are the rules for setting a limit price?

For shares listed individually, the difference may be at most 200% of the last price. For shares listed as a percentage, the difference may be at most 20% of the last price. Please note: if the your limit price differs too greatly from the most recent price, it is possible that the order cannot be executed within the time limit. Your order will not be accepted. The bank always checks your limit price for feasibility by comparing it to the most recent price.

What is a standing order?

This is a transfer carried out automatically for a fixed amount at a fixed time, after you have set it up once in advance. A standing order is convenient if you always transfer the same amount on a fixed and recurring date (payments off a loan, rent or payment to a savings account, for example).

A standing order with a variable amount?

You can set up a standing order with a variable amount to your savings account only.

  • Example of a variable amount: Suppose that you want to automatically transfer all of the funds in your account above a certain amount (for example, 1,000 EUR) to another account on the last day of the month. If you have 1,500 EUR in your account on the last day of the month, then 500 EUR will be automatically transferred to the selected account.

Transferring a fixed or variable amount

You can only transfer a fixed amount to a current account. You can choose a fixed or variable amount to transfer to a savings account. Example of a variable amount: Suppose that you want to automatically transfer all of the funds in your account above a certain amount (for example, 1,000 EUR) to another account on the last day of the month. If you have 1,500 EUR in your account on the last day of the month, then 500 EUR will be automatically transferred to the selected account.

Changing the account number for a standing order

Please delete the current standing order and set up a new one if you wish to change your account number or that of the beneficiary.

Setting the term of a standing order

Under "Number of orders" select "Unlimited" and the standing order will then continue until you cancel it. Under "Number of orders" select "Limited" and the standing order will stop on the date that you have specified.

Setting the frequency of a standing order

In the field "Frequency" for your standing order select whether to execute the payment monthly, quarterly, half-yearly or annually.

Official notice of a standing order

When setting up a new standing order, check "Debit advice". That way you will receive an official notice of each order carried out with your statements. For existing standing orders, select the order, modify it and check "Debit advice". For orders that have been carried out, ask for a notice at the Easy Banking Centre, your branch or via Easy Banking Phone.

Pausing a standing order

Pause a standing order for a particular period at your branch, the Easy Banking Centre or via Easy Banking Phone.

Cancel a standing order

Go to "Transfers and Orders" and select "Standing orders". Select the standing order you wish to stop and click on "Delete". Confirm this with an M2 e-signature. Are you certain that the standing order should no longer be paid? Delete it at least 2 banking days before the payment date.

What is Easy Save?

Easy Save is an automatic way to save. Your payment amounts (made by debit card or transfer) are rounded up to the nearest euro and the difference is automatically paid into one of your savings accounts.

Example: if you during one day pay €11.35 with your debit card in a shop and make a transfer of €44.05 to pay your membership fees to a sports club, €1.60 (= €0.65 + €0.95) will be paid into your savings account.

Which payment methods can be used with Easy Save?

Easy Save applies to payments in euros that you make with your debit card or by bank transfer. Easy Save does not apply to payments made with a credit card or a prepaid card.

When will the cents be paid into my savings account?

Cents are credited to the savings account each working day, at the end of the day.

Roundings for transactions carried out during the weekend will therefore be added on Monday evening, at the same time as roundings for Monday's transactions.

How can I check the amount that I have saved with Easy Save?

You can view the total amount of your Easy Save savings by clicking on the Easy Save tab of your savings account. The amount shown represents the sum of all the Easy Save savings created for this account.

Every year, at the beginning of January, your Easy Save piggy bank balance is set to zero.

Which savings accounts can Easy Save be used with?

Easy Save can only be used with savings accounts for which you are the holder, proxy holder or legal representative.

Please note: if you hold a savings accounts which has a maximum savings amount per calendar year and for which you already have a savings plan to reach this amount, it is preferable not to choose this for your Easy Save savings

Which currents accounts can I use to pay into my Easy Save savings?

All the current accounts for which you are the holder/joint holder, proxy holder or legal representative.


Please note: you can only set up one Easy Save per current account. All the transactions (by debit card or transfer) carried out by all the users of the account are taken into account in the calculation of the saving.

What happens if, by taking the cents, my account goes overdrawn?

The aim of Easy Save is to allow you to save money without thinking about it, not to complicate your budgeting. When this happens, Easy Save savings for the day are cancelled.

How can I deactivate Easy Save?

If you are the holder, proxy holder or legal representative of the savings account for which Easy Save has been activated, you can deactivate the service via the "Easy Save" tab, shown in the savings account itself.Easy Save can also be removed via the "Easy Save" heading accessible via the settings in your Easy Banking Web.

Do you have to pay for Easy Save?

No - using Easy Save is completely free of charge.

How do I receive my account statements?

You receive statements for newly opened accounts by default through Easy Banking. We will retain these for you for 10 years free of charge. You can do any of the following actions on Easy Banking at any time:

  • view your statements;
  • download your statements to your home computer;
  • print out any statements you want to have on paper (certification, proof of payment etc.)

You can also opt to store statements online in Easy Banking for accounts that you already opened some time ago. You can choose how often you want to receive your statements: monthly, weekly or even daily. We will also keep statements for closed accounts online in Easy Banking for 4 years.

Your other options for receiving your statements are:

  • printing them off via statement printers in our Selfs;
  • having them sent by post to the address you gave us.

How do I download my statements?

To download all account statements for different accounts/products/people at the same time, just select them and click the 'Copy' button at the bottom of the screen. If you would prefer to select an account or person separately, then click the button next to the account, product or person you wish to download and select 'Download'.

My keyboard switches from numbers to letters for no reason.

You probably use a device with the Google keyboard installed by default. To resolve this issue, download another keyboard in the Google Play Store.

I can't use the full stop/comma on my keyboard.

Make sure that your keyboard is correctly configured and that it allows numbers and special characters. If the problem persists, download another keyboard in the Google Play Store.

I can't use the "Next" key on my keyboard.

If you can't use the "Next" key on your keyboard, download another keyboard in the Google Play Store.

I can't scroll/skip pages/select an account.

If you experience any of these difficulties, upgrade to Windows 8.1 or higher.

Using Easy Banking with mobile devices or with your computer

The following technical requirements are recommended as we have tested our applications on these systems. This does not mean that other systems or browsers are not compatible or are less secure. Nevertheless, we strongly recommend that you use the latest versions as soon as possible. Use Easy Banking with the following operating systems and browsers: Computer operating systems: Windows Vista, 7 or later Mac 10.9 or later Browsers: IE9 or later Chrome – 3 newest versions Firefox – 3 newest versions Safari 7 or later Mobile operating systems: Android 4.1 or later Windows 8 or later iOS 7.1 or later Mobile browsers: Safari 7 or later Chrome – 2 latest versions IE10 or later Increase or decrease the font size to make the site easier to read. To do this change the settings of your internet browser. For normal legibility the "Normal" settings of your browser are suitable. Problems? Call Easy Banking Centre on +32 2 261 11 11.

How do I know whether my transfer has been executed?

A transfer is executed if two conditions are met:

  • it has been sent successfully (and so is not still temporarily stored in the Envelope);
  • it has been successfully processed.

When you send a transfer immediately after you create it then it is immediately submitted for execution.

Transfers that you store in the Envelope are not submitted immediately, but undergo a technical check first:

  • If it passes the check, the transfer is sent for execution. After a few minutes, the transfer will appear in the Envelope's 'History'.
  • If it doesn't pass the check, the transfer will not be submitted for execution. After a few minutes it will appear in red in the Envelope. The detail screen will tell you why the transfer was refused and what you need to do next. You will also receive an additional refusal message in your Easy Banking Mailbox.

How can I be sure that my transfer was executed?

The following rules apply both to transfers that are sent immediately and to transfers that you store in your Envelope before sending:

  • if the bank was able to execute your transfer correctly, then the details of the transaction will appear in the relevant account history in Easy Banking;
  • if the bank was unable to execute the transfer - for example due to insufficient funds on your account - then a message will appear in your History in a distinctive red colour. This shows the date of the last rejected transaction. If you still want to make the transfer, then you will need to re-enter it in Easy Banking.

What are the transfer amount limits?

The maximum amounts for transfers depend on the type of account:

  • for Youngsters Accounts: a maximum of 625 euros per day and 1,250 euros per week;
  • for all other accounts: a maximum of 300,000 euros per day;
  • additional restriction on international transfers in Easy Banking: a maximum of 50,000 euros per transfer (or the equivalent value in another currency).
  • If you exceptionally need to transfer higher amounts then you cannot do so through Easy Banking, but of course you can do it at a BNP Paribas Fortis branch instead.

In which currencies can I transfer money?

Naturally you can make transfers in euros, as well as in a number of other currencies. Please note that if your transfer is in a currency other than the euro, the more expensive international rate will apply.

On what date will the bank execute my transfer?

The execution date is the bank working day on which the amount of the transfer leaves your account, provided that your account has sufficient funds available. The beneficiary will receive that amount a few days later. The exact date of receipt depends on the beneficiary's bank. Transfers between your own accounts and to other BNP Paribas Fortis customers will naturally be performed fastest.

Am I free to specify the execution date for my transfer?

The execution date must be at least 1 day and at most 1 year in the future. Easy Banking will return an error message if the execution date does not meet these conditions. If you do not enter an execution date, then the bank will execute your transfer on the first bank working day after it receives your transaction.

What accounts can I make transfers to?

You can make transfers from your current account to any of your other accounts or to third-party accounts. However, you can only make transfers from a savings account to your own accounts, and not to an account held by someone else. In Easy Banking you can also only make transfers from a savings account to a current account if you are the (joint) holder of both accounts.

Can I speed up filling in the details of transfers to regular beneficiaries?

Normally, you enter the account number you want to make a transfer to in the 'payee account number' field. You can also save beneficiaries in order to avoid having to do this every time, for example with beneficiaries you pay regularly. You can store them in two lists: domestic beneficiaries and international beneficiaries .

It is very easy to save a beneficiary:

  • tick the 'Save this beneficiary' option;
  • select an alias for the beneficiary. This is a name you will easily remember, such as landlord, Uncle John, car loan etc., that you can use to immediately find the beneficiary in your list.

What message can I include with a transfer?

The message would be something like the reason for the payment. This is useful for your beneficiary, and also makes things easier for yourself if you need to find a payment or provide a proof of payment at a later date. By default, Easy Banking does not attach any message to your transfer. So you need to fill this in yourself. The following messages are possible:

  • a Belgian structured message. This takes the format XXX/XXXXX/XXX. You receive this type of communication from your supplier, and it allows your supplier to record your payment and to search for it in their accounting system, if necessary;
  • a European structured message. This may be up to 35 characters long. You receive this type of communication from your supplier, and it allows your supplier to record your payment and to search for it in their accounting system, if necessary;
  • a free text message. As the name suggests, this allows you to write your own message, the reason for payment: 'new years gift for Tina', 'invoice 12345 of 12 January 2016' etc.
  • no message. You are not required to send a message with a transfer

How much does an international transfer cost?

First of all, we need to distinguish between a transfer to a beneficiary in the SEPA zone and one to a beneficiary outside the SEPA zone. The SEPA area includes the member states of the European Union plus Iceland, Liechtenstein, Norway and Switzerland.

A standard rate applies for transfers within the SEPA zone.

Foreign transfers outside the SEPA are subject to different charges. These vary according to:

  • the country to which you are making the transfer;
  • the amount of the transfer;
  • how you specify the beneficiary.

For full information please see Rates for international transfers.

What is a delayed transfer?

Delayed transfers or transfers with execution dates are transfers for which you enter a specific date of execution. This future date is the date on which the money is actually taken from your account. A specified date can be anything from 1 day to 1 year in the future.

What is an M2 signature?

An M2 signature is an e-signature of 8 digits which you receive via your card reader. You use it for transactions that you confirm or whenever you set up beneficiaries. You obtain an M2 signature by following the steps on the screen of your card reader.

Which characters can I use in the free text message?

Maximum size is 140 characters. Only the following characters are accepted: a-z A-Z 0-9 / - ? : () . , ' + If you want to specify a money amount, use ‘euro’ or ‘EUR’ to replace the sign ‘€’.

What is a rejected transaction?

Transactions are rejected if there are insufficient funds in your account (an "insufficient balance") or whenever your account is blocked.

How do I set up future transfers?

Create a transfer and select the date when you want the transfer to take place. Locate the transfer again under "Scheduled Transactions".

View your scheduled transfers

Go to "Accounts" and select the current account for which the transfer will be executed. Select "Scheduled transactions".

Change your scheduled transfers

Change the amount and transaction date of the scheduled transfer up to 7.00pm on the day before. Go to "Accounts", select the current account from which the transfer will be executed and select "Scheduled transactions". Make the change and confirm with your card reader.

Delete your scheduled transfers

Delete the scheduled transfers up to 7.00pm on the day before. Go to "Accounts", select the current account from which the transfer will be executed and "Scheduled transactions". Select the transfer you wish to delete and click on "Delete". Confirm this with your card reader.

Where can I see whether my scheduled transfer has taken place?

Go to "Accounts" and select the current account from which the transfer was scheduled. Select "Completed transactions". You can find transactions that have not been carried out under "Rejected transactions".

Transfers to unsaved beneficiaries

Transfer to a new account and confirm your payment with an M2 e-signature. Do you transfer regularly to a particular account? Save the account as a beneficiary and save time when you make your next transfer to that account.

Where can I find the IBAN for my account?

Look on your bank card, via Easy Banking under "Accounts" or at the bottom of your statements. The IBAN or "International Bank Account Number" is an international bank account number. In Belgium an IBAN consists of 16 characters: the letters "BE" followed by 2 digits and then the 12 digits of your national account number. You can calculate the IBAN yourself based on a Belgian account number .

Can I use a card reader issued by another bank to log on and make transfers from or to my BNP Paribas Fortis account?

Some card readers issued by other banks will allow you to log on and carry out transfers from or to your BNP Paribas Fortis account. However, if you do use readers from other banks, you may obtain an electronic signature containing fewer than 8 digits. This means that if you enter the signature as it appears, it will be considered incorrect. To avoid this problem, simply add zeros to the start of the electronic signature until you obtain the required 8-digit figure.

What is an 'alias'?

An alias is the name you give to a beneficiary on your account: 'Gas and electricity', 'Rent' etc. This helps you to find the beneficiary quickly should you want to make a transfer to them.

What is an IBAN?

IBAN stands for International Bank Account Number. In order to make a transfer to somebody you must first provide their IBAN.

What should I do if I don't know my beneficiary's IBAN?

For transfers within Belgium, the national account number of the beneficiary will suffice. If you know the national account number of a beneficiary based abroad then this can be used for the transfer; however, the international rate will apply to your transfer and you will not benefit from the discounted rate.

What is a BIC?

A BIC is a unique code used to identify banks and financial institutions around the world. You can only obtain the BIC from the beneficiary of the transfer. The BIC for BNP Paribas Fortis is GEBABEBB, for example.

When can I use a 'free text message'?

For most payments, your supplier will provide you with a structured message: a series of digits designed to help during the accounting process. If you do not have such a message then you can provide your own reason for payment in a free text message: e.g., 'Your invoice XYZ of 12/05/2016'. You can enter up to 40 characters per line.

What are unsubmitted transfers?

Unsubmitted transfers are not executed, subsequent to a technical check. They remain in your Envelope until you provide a new signature.

When is a second signature required for certain transfers?

If you are making a transfer from an account over which you hold limited power of attorney, then a second signature is required. The transfers will remain in the Envelope until this is provided.

What are submitted transfers?

A transfer receives the status 'Submitted transfer' once it is successfully sent to the beneficiary's bank for execution.

Can I be sure that the transfers in the Envelope archive have been executed successfully?

No. The archive only shows that the transfers were successfully sent through to your bank; it does not prove that they were effectively executed. Your bank may not execute a transaction if there is not enough money in your account, for example. Only your account statement can confirm whether or not the payment was executed successfully.

Where do I find the transfers that were not sent for execution?

These transfers appear in red on the 'View Envelope' screen. A report for each unsubmitted transfer can also be found in your personal reports.

Which transactions require a signature?

You must provide a signature:

  • when you make a transfer to a new beneficiary (one you have not yet saved);
  • when you wish to add a beneficiary to your list of saved beneficiaries;
  • when you want to transfer money to an account outside your Easy Banking contract and the amount of the transfer exceeds the permitted daily limit of 2,500 euros or the weekly limit of 5,000 euros. Please note that these limits apply to all transactions made via Easy Banking, Easy Banking Phone and Self terminals.

Which transactions do not require a signature?

A signature is not required for a transfer to:

  • a separate personal account included in your Easy Banking contract;
  • an account belonging to a beneficiary who already appears on your list of saved beneficiaries;
  • an account belonging to a well-known supplier in Belgium (Electrabel, Proximus etc.), provided that you do not exceed the permitted daily limit of 2,500 euros or the weekly limit of 5,000 euros.

Can I also make transfers from an account over which I hold a limited power of attorney?

Yes. The transfer will remain in the Envelope until the required second signature is provided. Please note that if you need to provide two signatures in order to make a transfer, you will need to do this using the same Easy Banking subscription.

Why are some transfers listed in red on my screen?

These transfers have not yet been sent to the bank for execution. The detail window of the transfer will tell you why, and what you need to do in order for the transfer to be sent.

Why is there an exclamation mark next to certain transfers in the Envelope?

The exclamation mark tells you that the bank will execute the transfer on the next banking day.

Why can't I click on certain transfers in order to sign them?

You cannot sign a transfer:

  • if it has already been signed;
  • if you do not hold power of attorney over the account from which the transfer is to be made.

What is limited power of attorney?

An account holder can give power of attorney over their account to one or more persons. This power of attorney can be limited or unlimited. In the case of limited power of attorney, you can only make transfers up to a certain amount of money. Once the amount you wish to transfer exceeds that limit, the other person must also provide a signature.

Which items can I modify in my virtual portfolio?

  • Date of inclusion in virtual portfolio
  • Date when you created the position in the virtual portfolio or
  • the date when you acquired the securities that you wish to track in your virtual portfolio. Please note: this date cannot be a date in the future.
  • Exchange rate at the time of inclusion in the virtual portfolio.
  • Exchange rate of the currency against the euro on the date of inclusion in the portfolio. Your virtual portfolio uses this historical exchange rate as the basis for calculating the result of the position. You can always change the exchange rate.
  • Price of the security at the time of inclusion in the virtual portfolio.
  • Price of the security on the date of inclusion in the portfolio, in the listing currency of the security or as a percentage. Your virtual portfolio uses the historical price as a base to calculate the result of the position. You can always change the price.

What is a virtual portfolio?

A virtual portfolio is a fictitious investment portfolio. It can be used as a practice portfolio where you carry out simulations as if they were real investments. In a virtual portfolio you can include a maximum of 30 securities and you can manage a total of 5 virtual portfolios.

How do I manage my virtual portfolio(s)?

You can consult your virtual portfolio, add or delete securities or change the data for a security. In your virtual portfolio you can manage all types of securities and Tak 23 insurance policies.

Which securities are in the Wealth panorama?

The Wealth panorama shows: - assets that are part of a contract; - assets that are not part of a contract; - mortgages, consumer and professional loans that you have with the bank. Important information: it includes all the above products of which you are an owner or a co-owner.

How do I receive documents via Zoomit?

You can receive digital documents via Zoomit by asking your supplier. Have you received a Zoomit invoice from a business for the first time? Confirm that you also wish to receive further invoices digitally rather than by post. You can always switch back to paper invoices later. Select Zoomit per supplier. Note that not all companies are using Zoomit yet. It is their decision whether to offer digital documents.

Which businesses use Zoomit?

View the list of all the companies that use Zoomit. Select "More information" to find out which documents they send digitally and how you can request digital sending.

Advantages of Zoomit

Zoomit is simple, flexible, user and environmentally friendly and personal.

• Know straight away that you have mail thanks to the (!) icon at "Zoomit" in navigation.

• Pay your invoices in a single click. The necessary details for, for example, a funds transfer are filled in automatically.

• Decide when to pay and choose who can send you digital mail.

• View your documents when and where you want.

• Only you and the sender can see the document. The bank has no access.

How can I evaluate the risk of an investment?

Each favourite equity is assigned a risk category by BNP Paribas Fortis. For all possible investments across the board, we use seven risk categories (category 0 to category 6):

  • Category 0: no risk
  • Category 1: very low risk
  • Category 2: Low risk
  • Category 3: low to medium risk
  • Category 4: medium risk
  • Category 5: medium to high risk
  • Category 6: high risk

What if the investment currency is not the euro?

In that case, we show the yield in both the investment currency and in euros. Differences in yield between the two calculations are attributable to the differences in the movements of the exchange rate.

Can I view the history of my net asset value?

In Easy Banking, you will find the full history of the net asset value (NAV) for the last 10 years.

How can I interpret the value of the coupons?

For funds under Belgian law, we show the net amount. This is the gross value of the coupon minus the withholding tax. For funds under Luxembourg law, we show the gross amount.

What can I see under 'Coupons Due'?

If this fund pays out coupons, you can see up to the last five most recent coupons payable with the associated number, the date and the value of the coupon.

What is the annualised yield of a fund?

This is the return the fund makes over a given period (1, 2, 5 or 10 years), reduced to the average annual yield.

For which bonds can I view the underlying value(s)?

This data is only available for the Reverse Convertible Note type of bonds.

How important is the rating of a bond?

A rating gives an indication of the creditworthiness of the issuer of a bond. It is based on the evaluations by specialised and independent firms, such as Moody's and Standard & Poor's. A high creditworthiness indicates that the investor can be almost certain that they will be paid both the yield and the capital. The rating of the issuer can be adjusted during the term of the bond. Moody's Standard & Poor's Rating Aaa Aa AAA AAA AA A Very high to high creditworthiness Baa Ba B BBB BB B Average to speculative creditworthiness: negative economic trends can affect the security of payment. The letters can be followed by a number (1, 2, 3), "+" or "-", which refines the classification. For example, Aaa1 ranks higher than Aaa3 and BB+ higher than BB-.

What does the bank take into account when determining the risk level of a bond?

We look at the following risks:

  • the currency risk: the risk that the value of the currency in which the fixed-income investment is issued may fall against the euro.
  • the issuer risk: risk that the issuer of a debenture loan will be unable to repay the capital and/or the interest due without any problems.

How does the bank measure the risk of an equity?

The risk of an individual equity is measured using the VaR (Value at Risk). This calculation provides a maximum percentage annual loss that an investor can suffer on a given equity, with a reliability of 95%. Please note: the VaR only gives an indication of the risk, without in any way providing a cast-iron guarantee for the future.

On the basis of what criteria does the bank prepare the list of 'favourite shares'?

The choice of favourite equities that you can view in Easy Banking is based on fundamental and/or technical analysis criteria. They are selected from a wider group of buy recommendations.

How reliable is the list of 'favourite shares'?

Favourite equities are selected on the basis of fundamental and/or technical analysis criteria, but this cannot guarantee their success. You therefore need to check any recommendation of an investment product against your own risk appetite and investment horizon. Our experts are happy to give you the advice you need.

What are the rules for setting a limit price?

For shares listed individually, the difference may be at most 200% of the last price. For shares listed as a percentage, the difference may be at most 20% of the last price. Please note: if the your limit price differs too greatly from the most recent price, it is possible that the order cannot be executed within the time limit. Your order will not be accepted. The bank always checks your limit price for feasibility by comparing it to the most recent price.

What information can I find under the heading 'Key Figures'?

This section includes the most important features that you need to know to be able to track the share in detail. You will see:

  • the RIC (Reuters Instrument Code), the code used by Reuters to identify the security
  • the stock exchange, where the share is listed
  • the currency, in which the share is listed
  • the latest price, with a maximum delay of about 15 minutes
  • after hours changes, the difference between the most recent known price and the previous closing price, expressed as an amount in the current in which the share is listed and as a precentage
  • ask/bid, the price at which a market maker will buy (bid price) the share. If you want to buy a share, you will have to offer at least the ask price
  • the volume, the number of shares traded today or on the most recent trading day
  • the opening price, the price of the share at the time when the relevant stock exchanged opened today or the previous trading date when closed today, expressed in the currency which the share is listed
  • the closing price, the price of a share at the time when the relevant stock exchange closed on the previous trading day, expressed in the currency in which the share is listed
  • the earnings per share, the total net profit of the company divided by the number of shares, expressed in the currency in which the share is listed
  • the price/earnings ratio, the ratio between the current share price and the net profit per share of the company
  • the annual dividend, the last known value of the divident per share, expressed in the currency in which the share is listed
  • the ex-dividend date, the latest date on which the coupon could be claimed. After this date, the share no longer entitles the holder to the next divident payable. On this date, hte market price of the share will be reduced by the amount of the divident
  • the payment date, the last known date on which the dividents will be paid. The date is determined in the annual general meeting of shareholders
  • the highest and lowest price in the year to date.