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Beobank review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Beobank suits savers who want regulated, easy access savings they can draw on at any time, without a fixed term to serve. The tradeoff is cost: the account carries a monthly fee of €4, which adds up for anyone holding a small balance or living in another currency.

Key facts

Best for
Easy access savings in Belgium with a variable rate and money available on demand.
Monthly fee
€4↗
Currency conversion fee
3.6%↗
Transfer fee
margin-based for international transfers, varies by type↗
Legal entity
Beobank NV/SA↗
Headquarters
Belgium↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
No monthly fee
Official website
beobank.be

Savings

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

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXTrustpilotfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • The savings account is easy access, so money stays available and capital is reachable at any time with no term to serve.
  • Support runs on phone, chat and help centre, so help comes from the bank itself rather than a partner.
  • Interest is variable at 0.4%, so the rate can follow the market instead of being locked in.

Cons

  • The monthly fee of €4 is a recurring charge, while the site median monthly fee is €0.
  • Currency conversion runs at 3.6%, while the site median conversion fee is 0.5%.
  • The headline rate is 0.4% and variable, and the site median headline rate is 3%.
Beobank

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Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Belgian savers who want their money reachable at any time and a rate that can move.
  • Customers who prefer asking the bank by phone or chat rather than a third party.
  • People who hold the balance in a single currency and make few international transfers.

Who should look elsewhere

  • AXI Card Tarjeta y Credito, listed at a monthly fee of €0, if a recurring account charge is the deciding point.
  • XTB, listed at a monthly fee of €0, when you want a low cost platform rather than a savings account.
  • Skrill, listed at a monthly fee of €0, if you convert often and the 3.6% conversion fee is too sharp.

Where it sits among rivals

Beobank places 444 of 500 brands on monthly fee, and 296 of 312 on currency conversion fee. Both sit near the back of the field rather than the front, so on the two costs readers weigh first this account gives ground. The rest of the picture follows the same line.

Who runs it

The account is run by Beobank NV/SA, based in Belgium. Support runs on phone, chat and help centre, which covers phone, chat and a help centre, so help is handled by the bank itself rather than a partner or marketplace. You deal with one company for the savings side and for the questions that come with it.

How Beobank compares

Where Beobank is available

Available
Belgium

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

Frequently asked questions

How much does the account cost each month?+

Beobank lists a monthly fee of €4 on the account. That is above the site median monthly fee of €0, so the recurring charge is the detail that sets this account apart. On the site, Beobank places 444 of 500 brands on monthly fee, well down the field.

What interest do I earn on savings?+

The headline rate is 0.4% and it is variable, so it can move rather than being locked in. The site median headline rate is 3%. Treat the interest as a small top up on a balance kept mainly for access, not for growth.

What does it cost to convert or send money abroad?+

Currency conversion runs at 3.6%. For sending money abroad, the fee is margin-based for international transfers, varies by type. The site median conversion fee is 0.5%, which makes conversion the weak spot in an otherwise simple cost picture. Anyone living on euros alone will not feel it much.

Can I get at my money whenever I want?+

The savings account is easy access, filed on the site as easy access. Beobank describes it as a Category A regulated savings account where money stays constantly available for an indefinite duration, with access to capital at any time. That suits anyone treating the balance as spare cash rather than a deposit to lock away.

How do I reach support if something goes wrong?+

Support runs on phone, chat and help centre, so you can call, chat or work through the help centre. Phone and chat cover quick questions, and the help centre holds the detail for anything longer. For a bank of your own, that mix keeps most everyday questions with the bank rather than a third party.

Who runs the account?+

The account is run by Beobank NV/SA, based in Belgium. The savings side is described by the bank as a Category A regulated savings account running for an indefinite duration, with capital available at any time. So your money sits with a named company in its home market, and the terms come from that company.

Sources

  • beobank.be checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Beobank NV/SA with headquarters at Boulevard du Roi Albert II 2, 1000 Bruxelles, TVA BE 0401.517.147”

  • beobank.be/nl/sparen/spaarrekeningen/klassieke-spaarreken... checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Pricing model, Rate type

  • thebanks.eu/banks/10647 checked September 26, 2026

    Backs: Monthly fee

    “Beobank's Plus Current Account has a monthly fee of 4.00 EUR”

  • xe.com/en-us/compare/beobank-exchange-rate checked September 26, 2026

    Backs: Currency conversion fee, Transfer fee

    “international currency transfers to or from Beobank account in the euro, UK pounds, US dollars and many other popular currencies will involve a margin or exchange rate of around 3.6%”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currencies.

Beobank

Beobank

Easy access savings in Belgium with a variable rate and money available on demand.

8.6/10See alternatives