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CBC Banque SA review

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

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Our verdict

CBC Banque SA suits people who want a Mastercard debit card linked to an account with fees of €0. Its easy-access structure and broad support options are practical, although the listed interest rate is modest and withdrawing early can forfeit the loyalty premium.

Key facts

Best for
Belgian customers wanting a low-cost Mastercard debit card and easy-access account.
Monthly fee
€0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
CBC Banque SA↗
Headquarters
Belgium↗
Support channels
Phone, Chat, Email, Help-centre↗
Official website
cbc.be

Loans

APR
8.09%↗
Loan amount
€1,000 to €75,000↗
Representative example
Personal loan of EUR 12,500 over 60 months at a fixed annual effective rate of 8.09%: 60 monthly instalments of EUR 252.29, total EUR 15,137.35↗
Rate type
Variable↗
Lender type
Direct lender↗
Loan types
Personal↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Personal insurance

Insurance types
Auto, Home, Renters, Life, Health, Travel, Motorcycle, Van↗
Provider type
Broker↗
Monthly payments
No↗
Excess from
€250↗
Cover limit
500,000 EUR medical costs abroad per person (travel assistance)↗
Claims channels
CBC Mobile, CBC Touch, Phone↗
Age range
up to 70 years↗

Savings

Headline rate
0.6%↗
Access terms
Regulated savings account, unlimited duration, base interest earned from the day after deposit until the withdrawal day; 12-month loyalty premium forfeited on amounts withdrawn before 12 months↗
Account kind
Easy access↗

Credit cards

Annual fee
€88↗
Rewards type
None↗
Card kind
Credit↗

Mortgages

Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 14 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • The debit card is a Mastercard, giving it broad acceptance outside the local market.
  • The account has fees of €0 and uses the no-monthly-fee model.
  • Support is available through phone, chat and email.
  • The savings account provides easy access with no set term.

Cons

  • The savings headline rate is 0.6%, which is below the site median of 3%.
  • The loyalty premium is forfeited on amounts withdrawn before the stated qualifying period.
  • The available credit card has annual fees of €88 and no rewards.
CBC Banque SA

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Belgian customers who mainly want everyday card spending without a monthly account fee.
  • People who value easy access to savings and want support by phone, chat, email or through the help centre.

Who should look elsewhere

  • Wise or Starling Personal Account Debit Card if a no-monthly-fee model is the priority, as both list fees of £0 and £0.
  • People prioritising a high savings return, because CBC Banque SA's headline rate is 0.6%.

Rates and card terms

CBC Banque SA lists a savings headline rate of 0.6%, with a variable rate type. That headline sits below the site median of 3%. Its personal loan pricing is separate, with an annual percentage rate of 8.09%, so the savings return and borrowing cost should be considered independently.

How CBC Banque SA compares

Where CBC Banque SA is available

Available
Belgium

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the CBC Banque SA debit card cost?+

The linked account has fees of €0, and the account follows the no-monthly-fee model. The card itself is a debit card, rather than a prepaid or virtual card.

Which card network does CBC Banque SA use?+

CBC Banque SA lists Mastercard as the network for its debit card. Mastercard is a widely accepted payment network, making the card suitable for everyday purchases both locally and abroad.

What interest is available on the savings account?+

The savings account has a variable headline rate of 0.6%. This is below the site median of 3%, so the rate offers limited appeal when the priority is maximising savings growth.

Can money be withdrawn from the savings account?+

The account is designed for easy access and has no fixed term. Base interest is earned from the day after the deposit until the withdrawal date, but amounts withdrawn before the loyalty qualifying period forfeit the loyalty premium.

How can customers contact CBC Banque SA?+

Support is offered through phone, chat and email. Customers can therefore use the live-service phone line, live chat, email or the help centre rather than relying on a single contact channel.

Does CBC Banque SA offer personal loans?+

CBC Banque SA acts as a direct lender for personal loans, mainly for home improvements. Borrowing runs from €1,000 to €75,000 at an annual percentage rate of 8.09%, and the representative example gives a fixed annual effective rate.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

CBC Banque SA

CBC Banque SA

Belgian customers wanting a low-cost Mastercard debit card and easy-access account.

9.5/10See alternatives