Direct Reserve

What is a Direct Reserve?

Your Direct Reserve is a permanent financial buffer linked to your current account. It's available whenever you need it. When you're not using it, it doesn't cost you a thing.


  • Practical: your financial reserve is always available, whenever you need it.
  • Simple: you don't have to explain why you need it or go through any red tape when you use your reserve.
  • Flexible: it's accessible using all the means of payment associated with your account.




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You decide the level of your Direct Reserve in consultation with your BNP Paribas Fortis adviser. The conditions and formalities only have to be completed once. If your application is approved, you can access the amount in question however you like, using all the means of payment linked to your current account. Even when you're abroad.

There is no repayment schedule. You pay back the reserve at your own pace. The only requirement is that the debit balance on your account is cleared once every 90 days.


You only pay monthly interest on amounts you actually withdraw. Outstanding interest is collected automatically from your current account.


All the details of your Direct Reserve are provided in your account statements.

Whether you're seeking a loan for private or professional purposes, BNP Paribas Fortis is by your side. As a responsible lender. Indeed, a loan must help you to move forward in life, not lead you into financial difficulties. Our financing products are intended to help you turn healthy, feasible projects into reality, in a spirit of shared responsibility between yourself and the bank.


This principle of responsible lending can be easily illustrated through our promises.


  • Firstly, we take the time to listen carefully to you in order to offer you a solution which is adapted to your project and your needs.
  • Next, we give you a clear overview of our credit formulas and advise you in a clear, transparent manner.
  • To protect you as much as possible from any risk of indebtedness, your project is examined in detail so as to determine your solvency and the most appropriate regular repayment.
  • Finally, we strive to be ever-more accessible, via the various communication channels we offer.


Our support procedure is thus in place for the duration of each of your loans.



General terms and conditions (pdf, FR)


Direct Reserve:

Credit type: credit facility. Credit provider: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702.

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