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.





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  • You can pay with your credit card in stores displaying the Visa/MasterCard sticker in the window or at the till.
  • You can withdraw cash using your MasterCard/Visa card from all ATMs displaying the Visa/MasterCard sticker.
  • You can ask for cash to be transferred to your current account at any time of the day, 7 days a week.


You will receive a monthly statement showing: all payments and withdrawals made with your MasterCard/Visa card during the previous month and details of the status of your cash reserve. So you can see at a glance how you can spread your payments.


You will repay at least 5,60% of the outstanding amount from your Current Account by direct debit each month, the minimum being EUR 25 (except of course if you have to repay less than EUR 25).


The amount to be repaid each month depends on the outstanding balance. You can use the credit transfer form attached to your statement if you want to repay more than 5,60%.


Protect yourself and your loved ones against all risks in the event of (temporary or permanent) total disability, death, accidental damage or theft of goods paid for with Optiline.

With AG Insurance's Optiline Protection Insurance, you link insurance to your Optiline cash reserve for a small premium. This premium varies each month depending on the outstanding balance of your credit facility.

Step 1

During the sales, you spot the sofa of your dreams. The colour's great and you love the design. Even with the discount, though, it's a lot of money – EUR 2,000 – and your budget's a bit tight right now. But you don't want to miss the opportunity, so you decide to pay with your Visa or MasterCard. Thanks to your Optiline, you don't have to pay it all back in one go. You can spread your repayments by simply drawing on your reserve. With Optiline, you don't have to postpone your purchase, just the payment!


Step 2

One month later, you receive your Visa/MasterCard statement, together with a detailed breakdown of your Optiline cash reserve. Let's say the total amount is EUR 3,530.70, consisting of the price of the sofa (EUR 2,000) and your trip to Italy two weeks ago (EUR 1,530.70). If you've chosen Optiline, this amount is automatically deducted from your available cash reserve.


Step 3

Your credit card bill is paid via Optiline. You repay 5,60% of your outstanding Optiline balance each month (minimum EUR 25) via your current account. That means you pay EUR 280 a month for 13 months, plus a final repayment of EUR 51.41. The total amount to be repaid is therefore EUR 3,691.41 [fixed debit interest: 9,50%, Optiline credit limit: EUR 5,000, APR: 9,50% (valid on 01/12/2012), duration of contract: open-ended]. In the meantime, you can continue to draw on the balance of your cash reserve. What's more, the amounts you repay are available again immediately.

If you like, you can also repay more than the suggested 5,60% or even the whole of the outstanding balance in one go.

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)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 – – www.aginsurance.be
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.



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