KBC and Argenta side by side
| KBC | Argenta | |
|---|---|---|
| Cheapest account | KBC-Basisrekening | Argenta Green |
| Price | €2.50 a month | Free |
| With a second holder | €2.50 a month | Free |
| Debit cards included | 1 | 2 |
| Credit card included | Yes | No |
| Other accounts | KBC-Plusrekening: €4.25 a month | Argenta Silver: €3.50 a month; Argenta Gold: €6.95 a month |
| Savings account, highest rate | Spaarrekening: 0.4% + 0.2% fidelity premium | Getrouwheidsrekening: 0.2% + 1.5% fidelity premium |
| Monthly savings, highest rate | Start2Save: 1.65% + 1.5% fidelity premium, up to €500 a month | Groeirekening: 1.65% + 1.5% fidelity premium, up to €500 a month |
| Deposit guarantee | €100,000 per person, per bank | €100,000 per person, per bank |
| Switching service | Yes, free | Yes, free |
Or keep both
Keeping the day-to-day account at KBC and saving at Argenta is one of the most common setups in Belgium. It works fine, right up to the moment you want a single answer to "what do I actually have?" and end up adding two apps together in your head.
What changes when both are in Briliza
- One total across KBC and Argenta, instead of two apps added up by hand
- Money moved from KBC to Argenta counted once, as a transfer, not as spending
- Spending from both banks sorted into the same categories, whichever one paid
- Your real net worth, with both banks alongside everything else you own
Common questions about KBC and Argenta
Can I switch from KBC to Argenta for free?
Yes. Belgian banks offer a free switching service: the switch happens after at least 10 banking days and within a month at the latest, on a date you choose.
What does an account with two holders cost at KBC and Argenta?
KBC-Basisrekening costs €2.50 a month with two holders. Argenta Green is free.
Is my money at KBC and Argenta protected?
Yes, up to €100,000 per person and per bank, through the Belgian Garantiefonds. Because the limit counts per bank, money at KBC and money at Argenta are each protected separately.
Can I connect KBC and Argenta at the same time?
Yes. You connect each one once, on that bank’s own secure page, and both stay in sync from then on. There is no limit on how many of your banks can sit side by side.
Will a transfer from KBC to Argenta look like spending?
No. Briliza recognises money moving between your own accounts as a transfer, so it is not counted as an expense on one side and income on the other. Your spending total stays honest.
Which plan do I need for two banks?
Premium syncs all your connected banks, so it is the one for this. Plus syncs a single bank. Every plan lets you add further accounts by hand.