Credimo review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Credimo pays a variable rate of 1.5% and charges a monthly fee of €0, and the balance stays easy to reach, which suits savers who value access over return. It works well for adults who can start at the minimum deposit, and suits fewer people who shop only on the rate.
Key facts
- Best for
- An easy-access euro savings account with no monthly charge.
- Headline rate
- 1.5%↗
- Rate type
- Variable↗
- Minimum deposit
- €2,500↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Savings insurance (branch 26), premium deposits and partial surrenders at any time, top-ups from EUR 1,250, option 'Out' from EUR 25,000 start premium, contract ends 1 January after the 100th birthday↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Credimo NV↗
- Headquarters
- Belgium↗
- Support channels
- Email, Phone↗
- Pricing model
- No monthly fee
- Official website
- credimo.be
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Premium deposits and partial surrenders are allowed at any time, so the money is not held out of reach.
- Top-ups are accepted, so a balance can be built in stages rather than in a single payment.
- Deposits carry EU deposit protection of EU DGS up to EUR 100,000.
- The account kind is easy-access, so the balance is not tied to a fixed term.
Cons
- The variable rate of 1.5% sits below the savings category median of 3.08%, so the account competes on access rather than on return.
- The minimum deposit of €2,500 sets a floor on the opening balance, so a small opening deposit falls short of what the account needs.
- Support runs on email and phone only, so questions reach the team by phone or by email and nothing further.
Who it suits
- Belgian adults who want a euro balance they can reach whenever needed, through premium deposits and partial surrenders.
- Savers who rank deposit protection highly, since deposits sit under EU protection of EU DGS up to EUR 100,000.
- People who can start at the minimum deposit of €2,500 and prefer to top up in stages.
Who should look elsewhere
- PayPal Colombia, whose headline rate of 3.3% is higher than what this account pays.
- AXI Card Tarjeta y Credito, listed at 21.59%, far above the 1.5% paid here.
- Plazo ES, whose rate of 24.19% also sits well above 1.5%.
Rates and terms
Credimo pays a headline rate of 1.5%, and the rate type is variable, so the return can move with market rates instead of staying fixed for a set term. That is the trade-off to weigh: no guaranteed return, and a rate near the lower end of what savings accounts pay. In exchange the account kind is easy-access, so the balance stays within reach.
Who runs it
Credimo is run by Credimo NV, based in Belgium, and it holds a National Bank of Belgium licence under number 1665. That means a named, supervised bank stands behind the contract. Support runs on email and phone, so you can reach the team by phone or by email whenever a question comes up about the policy.
How Credimo compares
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8.5 vs 8.0
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8.5 vs 9.0
Where Credimo is available
- Available
- Belgium
- Licence in Belgium
- National Bank of Belgium (1665), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Credimo pay on this savings account?+
The account pays a headline rate of 1.5%, and the rate type is variable, so the figure can move with market conditions rather than staying put for a fixed term. That suits people who want flexibility, and it means the return you see today is not guaranteed to be the return you keep.
Does Credimo charge a monthly fee?+
There is no monthly charge on this account: the monthly fee is €0, and the account runs on a no monthly fee model. The amount to watch is instead the minimum deposit of €2,500, since a balance below that level never gets started.
How much do I need to open the account?+
The minimum deposit is €2,500. Once the account is open, you can add money in smaller top-ups, and you can take out part of the balance at any time, so the account can be built gradually rather than in a single payment.
Is my money protected?+
Yes. Deposits are covered by EU deposit protection of EU DGS up to EUR 100,000. The provider holds a National Bank of Belgium licence, number 1665, and the product is a savings insurance contract offered by a supervised bank rather than an unregulated wrapper.
Can I take my money out when I want?+
Premium deposits and partial surrenders are allowed at any time on this easy access account, so you are not held to a notice period or a fixed term. An exit option applies from a higher start premium, and the contract is scheduled to end only on a birthday after adulthood, so the tie to the provider is long.
Who is behind the account?+
The contract is with Credimo NV, headquartered in Belgium. It operates under a National Bank of Belgium licence, number 1665, so it is a supervised bank rather than an intermediary. The product is a savings insurance contract rather than a plain deposit account.
How do I get help from Credimo?+
Support runs on email and phone: you can pick up the phone or send an email, and either route works for account questions. Nothing else is needed from you beyond the policy details to hand. The provider is reachable on both listed routes without a branch visit.
What kind of savings account is this?+
It is an easy-access account, so your balance stays reachable instead of being tied up for a set term. That suits people building a buffer for near-term spending, and it pairs with a variable rate of 1.5% that moves with the market. The flexibility is the feature, and the return is the trade-off.
Sources
- credimo.be/nl checked September 26, 2026
Backs: Support channels
- credimo.be/nl/products/credo26-easy checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Headline rate, Headquarters, Legal entity, Minimum deposit, Pricing model, Monthly fee, Rate type, Licences
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.