Eligibility, account ownership and service choices
Sections ↑Keytrade Bank is the Belgian branch of Arkéa Direct Bank SA in France. Its self-directed securities account, periodic fund plan and managed investment service are different propositions. A bank-account opening does not automatically approve every investment product or create a separate protection allowance from another brand of the same French bank.[1][8][9][3]
Reference table01
Choose the service, not just the bank login
| Attribute | Trading account | KEYPLAN | KEYPRIVATE |
|---|---|---|---|
| Investment decision | Customer selects instruments and orders | Periodic investment in the chosen fund plan | Managed portfolio service under its mandateSource 1Source 3 |
| Published service charge | Market-specific brokerage; ordinary private custody generally free | No entry, exit or transaction charge in the tariff | 0.91% a year including VAT in the published tariffSource 3 |
| Costs still relevant | FX, taxes, special custody and optional subscriptions | Underlying fund expenses and applicable taxes | Underlying investment expenses and applicable taxesSource 3Source 5 |
| Permission boundary | Self-directed dealing | A standing plan is not authority for arbitrary discretionary trading | Separate managed-service agreement; not included merely by opening TradingSource 1Source 3 |
Reference table02
Opening requirements and access
| Item | Terms and practical meaning |
|---|---|
| Belgian connection | The opening FAQ requires Belgian nationality, Belgian residence or a Belgian tax address. It also requires valid identity documentation, an e-mail address and a mobile number. Acceptance and product eligibility remain subject to assessment.Source 2 |
| Adults and minors | The application must be signed by an adult. A legal representative can apply for a minor, but that banking eligibility should not be treated as automatic permission for leveraged or complex securities trading.Source 2 |
| Identity document | The FAQ specifies a Belgian identity card for Belgian residents or a passport for non-Belgian residents. Applications can use itsme or the alternative identification route.Source 2 |
| Authentication setup | SoftKey within the app or the separate HardKey device is used to access and approve operations. The current recovery pages should govern replacement credentials, not historical launch instructions.Source 10Source 11Source 12 |
Markets, research and instrument-specific risks
Sections ↑Reference table03
Documented investment access
| Item | Terms and practical meaning |
|---|---|
| Listed and fund investments | Stocks, ETFs, options, bonds, funds, warrants and turbos appear in the current service and tariff. Availability and permissions depend on the exact instrument and account.Source 1Source 3 |
| Research tools | Global Analyzer, Idea Centre and price alerts provide information for a customer’s decision. An alert, rating or model portfolio is not an automatic instruction to trade.Source 1 |
| Turbo identification | Use the ISIN rather than the product name: the name can change as the stop level changes. Financing costs are incorporated into the product price, separate from brokerage.Source 15 |
| Legacy help limitations | The market-rules page still contains old settlement tables and leveraged-FX/CFD descriptions. This profile does not use those sections as evidence that the same products or settlement cycles remain available today.Source 13 |
Brokerage, custody exceptions and optional charges
Sections ↑Pricing & charges04
Selected online stock and ETF brokerage
| Market | Order value | Commission in market tariff currency |
|---|---|---|
| Euronext Brussels / Paris / Amsterdam | Through EUR 250 | EUR 2.45Source 3 |
| Euronext Brussels / Paris / Amsterdam | EUR 250.01–2,500 / EUR 2,500.01–10,000 | EUR 5.95 / EUR 14.95Source 3 |
| Euronext Brussels / Paris / Amsterdam | Above EUR 10,000 | EUR 14.95 plus EUR 7.50 per additional EUR 10,000 trancheSource 3 |
| US markets | Through US$250 / US$250.01–2,500 / US$2,500.01–10,000 | US$2.45 / US$5.95 / US$14.95Source 3 |
| US markets | US$10,000.01–20,000; higher orders | US$27.45; add US$7.50 for each additional US$10,000 trancheSource 3 |
| Xetra / Milan / Madrid | Per EUR 50,000 tranche | EUR 24.95Source 3 |
| London / Switzerland / Toronto | Per relevant 50,000 local-currency tranche | GBP 29.95 / CHF 49.95 / CAD 39.95Source 3 |
Reference table05
Options, fixed income and funds
| Item | Terms and practical meaning |
|---|---|
| Options | Euronext: EUR 2.95 per contract. Eurex: EUR 3 per contract with EUR 14.95 minimum. US options: US$2.50 per contract.Source 3 |
| Exercise restriction | The tariff says exercise is not available through Keytrade and describes automatic cash settlement for qualifying in-the-money positions at expiry. Read the applicable contract and exercise/settlement fee before carrying an option through expiry; do not assume physical delivery.Source 3 |
| Bonds | The selected secondary-market online tariff is 0.20%, minimum EUR 29.95; offline treatment differs. Accrued interest and the bond’s market spread remain separate.Source 3 |
| Mutual funds | Online purchase and sale dealing charges can be zero, while the manager deducts expenses from net asset value. Those expenses still reduce the investor’s return. Pension-saving fund entry fees are a separate tariff.Source 3Source 5 |
Reference table06
The exceptions behind “free custody”
| Item | Terms and practical meaning |
|---|---|
| Ordinary private account | Opening, closing and ordinary management are free under the schedule; this is not a statement that every security or service is free.Source 3 |
| Low-priced securities | The tariff lists EUR 5 per line per month for the LPS category. Check whether a position is classified in that category before treating it as a costless long-term holding.Source 3 |
| Corporate custody | Legal-person accounts have a 0.10% annual custody charge excluding VAT, charged quarterly. The ordinary private-account statement is not the corporate price.Source 3 |
| Phone orders | For instruments that can be traded online, the supplement is EUR 15. The separate offline-order tariff is 1.40% with EUR 49.95 minimum.Source 3 |
| Live quotes | Euronext data is EUR 2.50 a month, US data EUR 5 and Xetra EUR 20 in the selected schedule. Eligibility, market-group trading waivers and professional/company restrictions apply.Source 3 |
| Analyzer Premium | The tariff lists EUR 20 a month, with qualifying trading or portfolio-based exemptions. Subscribe only after checking which exemption actually applies.Source 3 |
Reference table07
Administrative and exit costs
| Item | Terms and practical meaning |
|---|---|
| Outgoing securities | EUR 50 excluding VAT per line to another institution. The fee is deducted before processing; insufficient cash can prevent the transfer from starting.Source 3Source 6 |
| Internal securities movements | Transfers between the holder’s own accounts and transfers to another holder have different rows. The latter is EUR 15 excluding VAT; do not apply it automatically to an own-account move.Source 3Source 7 |
| Events and records | Selected corporate-action processing is EUR 5 plus possible correspondent costs. Online annual statements are free, while separately requested transaction overviews have a tariff.Source 3 |
| Dormancy and authentication | The schedule has a EUR 50 dormant-account charge and a EUR 15 replacement HardKey charge. No ordinary maintenance fee does not eliminate these exceptions.Source 3 |
| FX quotation | Use the transaction’s actual exchange rate and disclosed conversion cost. The research did not establish a dependable universal cash-FX percentage; bank-card foreign-currency charges are not a substitute for securities-account conversion pricing.Source 3 |
Orders, sessions and device restrictions
Sections ↑Reference table08
Execution controls that affect the customer
| Item | Terms and practical meaning |
|---|---|
| Extended sessions | The published market rules require limit/day orders for the described US extended sessions and cancel unfilled remainders at session end. Use the platform’s current session times rather than copying a fixed CET timetable across daylight-saving changes.Source 13Source 14 |
| Settlement evidence | A legacy help table still says T+3 for several European markets and T+2 for the US. Those entries have not been republished as current. The actual trade confirmation/value date should govern cash reuse and withdrawals.Source 13 |
| Phone versus desktop | The SoftKey guide says most banking and market operations can be approved on mobile, but larger transactions and OTC Bulletin Board orders require the desktop website. This is not full mobile/desktop feature parity.Source 10 |
| Options expiry | An option carried into expiry is governed by the tariff’s cash-settlement/exercise limitations and the relevant contract. An ordinary share-trading instruction is not sufficient to control that outcome.Source 3 |
Cash and securities movements
Sections ↑Reference table09
Funding and exit procedures
| Item | Terms and practical meaning |
|---|---|
| Cash instructions | Use the authenticated bank/account instructions for the selected currency. The tariff distinguishes standard SEPA payments, instant-payment limits and international transfers with correspondent costs.Source 3 |
| Do not spend portfolio value as cash | Securities sale value, pending settlement and cash in another currency are different measures. Confirm the trade’s value date and usable balance before instructing a payment.Source 13Source 3 |
| Preparing a securities transfer | Match the legal holders and receiving account details, confirm the receiving broker accepts each security, and leave enough cash for the outgoing per-line charge.Source 6 |
| Reimbursement advertising | The current site advertises incoming-transfer reimbursement up to EUR 2,500. The full current campaign conditions were not recovered, so no guaranteed payment, holding period or universal eligibility is asserted here.Source 1 |
Legal institution and protection aggregation
Sections ↑Reference table10
France and Belgium have different roles here
| Item | Terms and practical meaning |
|---|---|
| Institution | Keytrade is the Belgian branch of Arkéa Direct Bank SA, a French institution within Crédit Mutuel Arkéa. A trading brand or branch is not automatically a separate protected bank.Source 9Source 8 |
| Deposits | The bank explains French FGDR protection up to EUR 100,000 for eligible deposits. Its privacy notice expressly aggregates Keytrade deposits with deposits at Arkéa Direct Bank under the Fortuneo name.Source 9Source 8 |
| Missing securities | The legal information describes up to EUR 70,000 for covered financial instruments that cannot be returned after the institution fails. This is not reimbursement for falling share prices, and securities that can be returned remain the client’s property.Source 8 |
| Securities lending | The Trading page states that Keytrade does not lend the customer’s securities. That commercial statement should not be confused with a guarantee of returns or of every operational outcome.Source 1 |
Authentication recovery and records
Sections ↑Reference table11
Keeping access and preserving evidence
| Item | Terms and practical meaning |
|---|---|
| Lost SoftKey | With the username and itsme, use the official “No more access?” recovery flow. Without those credentials, the bank provides a form-based replacement route.Source 11 |
| Spare device | The bank permits more than one SoftKey. Each has its own PIN and authority; an account holder’s partner must not use the same personal authentication as an informal delegation.Source 10 |
| Lost or stolen device | Deactivate the affected key through authenticated preferences or contact support. This profile does not promise that recovery leaves withdrawal limits or fraud checks unchanged.Source 10 |
| Records and tax processing | The tariff identifies electronic statements. The bank’s capital-gains help explains that bank withholding does not automatically net all of an investor’s annual losses; preserve acquisition, currency and sale records for any separate filing.Source 3Source 16 |
| Client support | The official help pages give +32 2 679 90 00 and [email protected]. Use authenticated channels for sensitive account data. No tested response time or universal emergency-order guarantee is claimed.Source 10Source 11 |
Analysis tools, plans and delegated management
Sections ↑Reference table12
Different permissions and costs
| Item | Terms and practical meaning |
|---|---|
| Research and alerts | Global Analyzer and Idea Centre inform self-directed choices; price alerts are notifications rather than authority to place orders.Source 1 |
| Periodic plans | KEYPLAN’s standing investment instructions and underlying fund costs should be reviewed separately from ad-hoc share brokerage.Source 3Source 5 |
| Managed portfolios | KEYPRIVATE has its own management mandate and annual fee. Closing the Trading account or stopping an app session should not be assumed to revoke a separate managed-service agreement.Source 3Source 4 |
| Access methods | A shared device can contain separate user profiles, but a SoftKey is personal. A PSD2 banking connection, if used, is not by itself evidence of a securities-trading API permission.Source 10 |
Lifecycle and evidence qualifications
Sections ↑Reference table13
What remains account-specific
| Item | Terms and practical meaning |
|---|---|
| Ordinary closure versus other charges | A zero ordinary closure fee does not waive per-line securities transfers, accrued charges or special custody costs.Source 3Source 6 |
| Tariff date | The price grid used here takes effect on 18 May 2026. Legacy help-page pricing and settlement tables have not been silently treated as newer terms.Source 3Source 13 |
| Research scope | This profile concerns the Belgian branch’s service and its company-published legal/fee disclosures. No account opening, payment, support or execution test was performed.Source 8Source 1 |
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Arkéa Direct Bank SA — Belgian branch Keytrade Bank
No separate licence entry is recorded in this panel.
Formal complaint route
Sections ↑Keytrade publishes [email protected] for its Quality Care Service. If the response is unsatisfactory, its complaint instructions point to Ombudsfin’s online form; [email protected] is the fallback when that form cannot be used. Keep the account identification, disputed transactions, dates and requested remedy with the submission. This is distinct from an ordinary enquiry to the general information mailbox. The reviewed page does not set a specific complaint-response deadline.[17]
Sources & further reading
- Trading account, instruments and research tools Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Eligibility and identification for opening an account Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Banking and investment tariffs effective 18 May 2026 Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Document centre and agreements Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Mutual-fund transaction and management charges Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Outgoing securities transfers and cash needed for fees Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Incoming and internal securities-transfer procedures Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Legal identity and French protection-scheme explanation Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Arkéa legal identity and joint FGDR reporting Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Authentication, device limits and desktop exceptions Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Lost access and replacement authentication Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Hardware versus software authentication Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Order rules and legacy settlement material Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Market hours and extended sessions Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Turbo product mechanics and financing Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Capital-gains reporting and bank withholding limitations Keytrade Bank — Belgium · Accessed 13 Oct 2026
- Keytrade published Quality Care and Ombudsfin complaint routes Keytrade Bank — Belgium · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.