Keytrade Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Keytrade Bank suits Belgian and European savers who want an easy-access account with no account or monthly fee, then trade stocks, ETFs and options themselves in the same place. Costs land on dealing and dormancy rather than on holding: €7.50 per stock trade and €50 when an account sits idle.
Key facts
- Best for
- Belgian savers who want easy access with no account fee alongside a stock, ETF and options dealing account
- Minimum deposit
- €0↗
- Stock trade fee
- €7.50↗
- Account fee
- €0↗
- Inactivity fee
- €50↗
- Markets
- ETFs, Options, Stocks↗
- Legal entity
- Keytrade Bank, Belgian branch of Arkea Direct Bank SA↗
- Headquarters
- Belgium↗
- Founded
- 1998↗
- Support channels
- Email, Help-centre, Phone↗
- Pricing model
- No monthly fee
- Official website
- keytradebank.be
Savings
Robo-advisors
Facts checked September 26, 2026, 8 sources
Pros and cons
Pros
- No account fee and no monthly fee: €0 and €0
- Minimum deposit of €0, so small amounts can start
- Markets cover etfs, options and stocks, including options
- Support runs on email, help centre and phone
Cons
- Each stock trade costs €7.50, well above the market median of €0
- Inactivity fees run €50, higher than the market median of €0
- The managed portfolio carries a management fee of 0.91% and a minimum investment of €15,000
Who it suits
- Belgian residents who want an easy-access account with no conditions and no monthly charge
- Investors who trade stocks, ETFs and options themselves rather than paying for a managed portfolio
- Savings customers who want cash and a dealing account at the same bank
Who should look elsewhere
- Frequent traders, who pay €7.50 per stock trade, unlike eToro at $0
- Dormant account holders, who face €50 rather than a free account
- People starting with a small managed pot, since the portfolio minimum is €15,000
Fees and FX
Holding costs nothing: the account fee is €0, the monthly fee is €0 and the minimum deposit is €0. Dealing is where money leaves you, at €7.50 per stock trade against a market median of €0. Inactivity runs €50, also above the median of €0. Interest is variable at 1.2%, below the 1.5% that marks the lower quarter of the market.
The company behind it
Keytrade Bank is the Belgian branch of Arkea Direct Bank SA and has traded since 1998. Its home country is BE, and the savings account is a category A regulated account with no conditions, an unlimited duration and Belgian law. Support runs on email, help centre and phone. The linked card is a debit card on the visa network.
How Keytrade Bank compares
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.3
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.7
9.1 vs 9.2Stock trades cost $0 against €7.50 here, so dealing is cheaper there.
9.1 vs 8.7
9.1 vs 8.6
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.8
Where Keytrade Bank is available
- Available
- Belgium
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a Keytrade Bank account?+
Nothing to hold. The account fee is €0 and the monthly fee is €0, so the cost sits in trading rather than in keeping the account open. Money is still paid a variable rate of 1.2%.
How much does a stock trade cost?+
A stock trade costs €7.50. The market median is €0, so dealing fees are well above the middle of the market and matter most if you trade often.
Is there a minimum deposit?+
No. The minimum deposit is €0, so you can open the account and start with a small sum rather than a set amount.
What happens if an account is left unused?+
Inactivity fees run €50, compared with a market median of €0. An account nobody touches can cost more than a free one elsewhere, so close what you no longer use.
What can I invest in?+
The markets list covers etfs, options and stocks. Options sit alongside shares and ETFs, so a self-directed account can hold a wider mix than a plain savings pot.
Can I get at my money easily?+
The account is easy access, with no conditions, an unlimited duration and Belgian law. That suits cash you may need on short notice rather than a locked term.
What does the managed portfolio cost?+
The management fee is 0.91% and the minimum investment is €15,000. Portfolios cover etf, esg and cash, so the option is aimed at larger sums held for longer.
Who is behind Keytrade Bank?+
Keytrade Bank is the Belgian branch of Arkea Direct Bank SA, founded 1998 and based in Belgium. Help runs on email, help centre and phone, including a phone line and an online help centre.
Sources
- assets.ctfassets.net/pniyec9izm4q/5VbvGvZ0r8C2Pk8wKneOak/... checked September 26, 2026
Backs: Monthly fee
- assets.ctfassets.net/pniyec9izm4q/64zCEbU5lTq6rW3r68soSc/... checked September 26, 2026
Backs: Card network
“VISA Platinum Free - debit card”
- curvo.eu/article/keytrade-review checked September 26, 2026
Backs: Account fee, Founded, Inactivity fee, Markets, Minimum deposit, Stock trade fee
“there's no membership fee”
- en.wikipedia.org/wiki/Keytrade_Bank checked September 26, 2026
Backs: Card type
“also provides debit and credit cards”
- keytradebank.be/en/banking/savings checked September 26, 2026
Backs: Access terms, Headline rate, Pricing model, Rate type
“These products are subject to Belgian law and are unlimited in duration.”
- keytradebank.be/en/investing/keyprivate checked September 26, 2026
Backs: Management fee, Minimum investment, Portfolio types
“This fee amounts to 0.91% per year, including VAT and transaction costs”
- keytradebank.be/en/legal-information checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Belgian branch of Arkea Direct Bank SA (France)”
- keytradebank.be/en/support/open-a-savings-account checked September 26, 2026
Backs: Account kind
“The AZUR savings account is a bank product with maximal flexibility and minimal costs.”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Regulators, Investor protection, Retail accounts that lose money.
Keytrade Bank
Belgian savers who want easy access with no account fee alongside a stock, ETF and options dealing account