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Beobank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Beobank suits Belgian households who want everyday banking in one place, with a €0 monthly fee on the Go current account and a savings account paying 0.4% on a variable basis. Borrowing is the weak spot: the Comfort Plus loan demands a hard credit check and proof of repayment capacity.

Key facts

Best for
Belgian residents who want a current account, a savings pot and a mortgage from one bank.
Annual fee
€5↗
APR
11.49%↗
Card kind
Credit↗
Legal entity
Beobank NV/SA↗
Headquarters
Belgium↗
Founded
1919↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
No monthly fee
Official website
beobank.be

Loans

Loan amount
€1,250 to €8,000↗
Term
12 to 48 months↗
Credit check
Hard↗
Funding time
Amount made available in one go on the account you choose (Beobank or not) once the credit contract is signed; a decision can sometimes be given the same day↗
Representative example
Instalment loan of 5,000 euro over 30 monthly instalments at 7.05% JKP (fixed actuarial debit rate 7.05%): 30 instalments of 181.77 euro, total repayable 5,453.10 euro↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Natural person of at least 18 years old, legally capable, domiciled in Belgium, with provable repayment capacity and regular income; Comfort Plus is reserved for new credit customers↗
Loan types
Personal↗
Use cases
Home-improvement↗

Personal insurance

Premium from
€20↗
Insurance types
Auto, Home, Renters, Motorcycle, Life, Home-emergency↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
€500↗
Cover limit
Life maximum: EUR 12,000 insured capital (Uitvaartplan, minimum EUR 2,500)↗
Claims channels
Mobile app, Online banking, Phone, Email, Branch↗
Age range
18-80 (Uitvaartplan)↗

Savings

Headline rate
0.4%↗
Access terms
Klassieke spaarrekening (Category A regulated savings account): money stays constantly available, indefinite duration, access to capital at any time↗
Monthly fee
€0↗
Account kind
Easy access↗

Mortgages

Initial rate
4.73%↗
APRC
5.34%↗
Fixed period
20 years↗
Product fee
€350↗
Purpose
Purchase, Remortgage↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The Go current account has a €0 monthly fee, so day to day banking costs nothing to run.
  • A personal loan is paid into your chosen account in one go once the contract is signed, and a decision can sometimes come the same day.
  • Savings, current account, personal loan, mortgage and insurance all sit with one Beobank NV/SA.
  • Claims and service run on mobile app, online banking and phone.

Cons

  • The card costs €5 a year and carried balances run at an 11.49% APR, which is where money leaks.
  • Savings interest of 0.4% sits well under the site median 3%.
  • Loan types cover personal aimed at home improvement only, and Comfort Plus is reserved for new credit customers.
Beobank

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Belgian residents keeping a current account, savings and a home loan under one roof.
  • Home owners who can settle the 4.73% initial rate over a 20 fixed period.
  • Savers who want access to their money at any time on a variable rate.

Who should look elsewhere

  • Anyone after a free annual fee: bunq charges €0 and Varo Believe Secured Credit Card charges $0.
  • Multi-currency spenders: Wise charges £0 on its card, while Beobank serves Belgian residents domiciled in Belgium.
  • People who cannot show regular income, as the Comfort Plus loan needs provable repayment capacity.

Rates and card terms

Rates sit in different corners of the range. The savings account pays 0.4% on a variable rate, the credit card carries an 11.49% APR, and the Comfort Plus personal loan runs over a term of 12 to 48. The card is the expensive corner and the savings pot the cheap one.

How Beobank compares

Where Beobank is available

Available
Belgium

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the Beobank credit card cost to hold and to borrow on?+

The card is a credit card with an annual fee of €5. Carrying a balance is the costly part, because the rate is an 11.49% APR. Clearing the balance each month leaves the annual fee as the only recurring cost.

Is the Go current account free to run?+

The Go current account has a €0 monthly fee, so day to day banking costs nothing to maintain. The card linked to the account is a debit card, and the no monthly fee model applies to how the account is priced.

How much does the savings account pay, and can I take money out at any time?+

The classic savings account pays 0.4% on a variable rate, so the figure can move over time. Capital stays available whenever it is needed and there is no fixed term, which makes it an easy access account rather than a locked-in pot.

How much can I borrow with a Comfort Plus personal loan?+

The loan runs €1,250 to €8,000 over a term of 12 to 48 and is aimed at home improvement. Beobank is a direct lender lender, so the full amount is paid into the account you choose in one go once the credit contract is signed.

What credit history do I need to qualify for borrowing?+

The credit check is hard, so expect a full file search. Applicants must be adults with a minimum age, legally capable, domiciled in Belgium, and able to show regular income and provable repayment capacity.

What does a mortgage through Beobank cost?+

Home purchase and remortgage are both available. The initial rate is 4.73% and is held for a fixed period of 20, with an APRC of 5.34%. A product fee of €350 applies on top.

How do I reach support, and how do insurance claims work?+

Help runs on phone, email and chat, so phone, email, chat and a help centre handle most questions. Claims can be started on mobile app, online banking and phone, which adds the mobile app, online banking and branch to the routes available.

Can I buy insurance through the same bank?+

Beobank acts as a broker for insurance, so policies are arranged rather than underwritten by the bank. Cover spans auto, home and renters plus home emergency help. Premiums start at €20, and payments can be made monthly.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Rewards type.

Beobank

Beobank

Belgian residents who want a current account, a savings pot and a mortgage from one bank.

9.5/10See alternatives