KBC and Belfius side by side
| KBC | Belfius | |
|---|---|---|
| Cheapest account | KBC-Basisrekening | Belfius Beats Pulse |
| Price | €2.50 a month | Free |
| With a second holder | €2.50 a month | €1.50 a month |
| Debit cards included | 1 | 2 |
| Credit card included | Yes | No |
| Other accounts | KBC-Plusrekening: €4.25 a month | Belfius Beats New: €5.50 a month; Belfius Beats Star: €5.90 a month |
| Savings account, highest rate | Spaarrekening: 0.4% + 0.2% fidelity premium | Fidelity: 0.15% + 1.5% fidelity premium |
| Monthly savings, highest rate | Start2Save: 1.65% + 1.5% fidelity premium, up to €500 a month | Flow: 1.83% + 1.5% fidelity premium, up to €600 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
Two full accounts is ordinary here: one from a mortgage or an employer, one from a partner, one that simply never got closed. Each app is good at its own half. Neither shows the whole.
What changes when both are in Briliza
- One total across KBC and Belfius, instead of two apps added up by hand
- Money moved from KBC to Belfius 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 Belfius
Can I switch from KBC to Belfius 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 Belfius?
KBC-Basisrekening costs €2.50 a month with two holders. Belfius Beats Pulse costs €1.50 a month.
Is my money at KBC and Belfius 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 Belfius are each protected separately.
Can I connect KBC and Belfius 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 Belfius 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.