The Hello4You savings account

In brief, what is it?

A regulated* savings account that you can manage easily, following your own rhythm. As soon as you have money to put aside, you deposit it into this account. And if you need it, to make your wishes come true, enjoy a spring break, buy a new guitar or organize a massive party, you use the money that you have saved.

Traditional Savings
  • A free savings account.
  • Deposits up to €6.000 per year possible.
  • Annual interest rates at 0,01%.
  • Annual loyalty premiums at 0,10%.

Some reading before you open an account: “Essential information for savers”.

The Hello4You savings account is a product of indefinite duration.
A fee of €2.50 is imposed on accounts with a balance of less than €25, with no transactions for ten years and where the holder is at least 24 years old and does not hold any other account with BNP Paribas Fortis.

*A regulated savings account marketed by BNP Paribas Fortis SA/NV under Belgian law, Montagne du Parc 3, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702.

Interest rates

A basic interest rate of 0,01% gross annually is calculated per day.

A loyalty premium of 0,10% gross annually is calculated on every deposit that remains on the account for a period of 12 consecutive months without interruption and is guaranteed during the (entire) acquisition period.

The base rate and the loyalty premium may fluctuate depending on variations in market conditions or any eventual modifications on the legally authorized limits.

No bad surprises. If the base rate and/or the loyalty premium are modified, you’ll be kept informed with a notice included with your bank statements. That way, you’re always informed and ready to go.

Fiscal advantages

You don’t pay taxes on interests up to €980 (in 2019). For married couples or cohabitants that open a joint savings account, it’s double the fun, €1960. On interest that exceeds €980, a tax of 15% on the additional amount is levied.

Risk for the saver

In case of bankruptcy or risk of bankruptcy of the concerned financial institution, the saver risks to lose his savings or he can be submitted to a diminishment/conversion in stocks (Bail-in) of the claim the saver has on the financial institution, for the amount that exceeds the saving deposit guarantee of €100.000.

Complaints and Right of Recourse

Complaints can be made to the Bank through the Hello Team or by using the complaint form.

If the proposed solution is not satisfactory, the holder can file a written complaint to the Bank’s Complaints Management section by sending a letter to the following address:

BNP Paribas Fortis SA/NV - Complaints Management
Montagne du Parc/Warandeberg 3, B-1000 Brussels
Tel.: +32 2 228 72 18

If the holder is not satisfied with the solution proposed by the Bank’s Complaints Management section, they can present the dispute as a private issue of a natural person to Ombudsfin - Ombudsman for Financial Matters, either by sending a letter to the following address or by using the complaint form on the Ombudsfin website:

OMBUDSFIN - Ombudsman for Financial Matters
North Gate II, Boulevard du Roi Albert II, n°8, box 2, B-1000 Brussels
Fax: +32 2 545 77 79

How can I open my Hello4You savings account?

Call the Hello Team at 02 433 41 45 (Monday to Friday 7am to 10pm and Saturday from 9am to 5pm).
Please read the "Essential Information for Savers" before opening your account.