Borrowing monney


Would you like a solution for unexpected expenses? Do you want to spread your credit card expenses over time?



What is the Optiline money reserve?

Optiline is a credit facility you can link to your Visa or MasterCard credit card. Optiline allows you to pay back your credit card expenses gradually. Optiline can also be used as an extra emergency budget by transferring money from the reserve to your current account.



  • Pay for your purchases at your own pace.
  • Always keep a balanced family budget.
  • A permanent money reserve is available at all times.
  • Charges only apply if you use the reserve.





Contact our private bankers for information and customised simulations



General terms and conditions (pdf, FR)Annex to the general terms and conditions (pdf, FR)General terms and conditions Optiline Protection (pdf, FR)


Type of loan: overdraft. Subject to approval of your application by AlphaCredit SA/NV, lender, Rue Ravenstein/Ravensteinstraat 60, B-1000 Brussels, Brussels Register of Companies (RPM), VAT BE0445.781.316, a subsidiary of BNP Paribas Fortis SA/NV. Delegated agent: BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels, Brussels Register of Companies, VAT BE 0403.199.702.
Optiline Protection insurance is an AG Insurance product, distributed by BNP Paribas Fortis.

AG Insurance sa/nv – 53 boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – –
Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 boulevard de Berlaimont, 1000 Brussels
BNP Paribas Fortis sa/nv, 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA under n° 25.879A and acting as a contractually appointed insurance agent on behalf of AG Insurance sa/nv.