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Home » Reader question » Bank account in Belgium if you have been officially deregistered?
Bank account in Belgium if you have been officially deregistered?
Dear readers,
More and more Belgians are being “thanked” by their Belgian bank and therefore lose their account. To prepare for this situation, I tried to open a new account at various Belgian banks. I have not been successful in this at any bank. In my humble opinion, I believe that every Belgian is entitled to minimum banking services.
Are there people here who have different experiences? How have others solved this problem?
Once again it concerns Belgians, deregistered from Belgium and registered at the Belgian embassy in Bangkok.
Thanks for sharing your experience.
Regards,
Francois
Editors: Do you have a question for the readers of Thailandblog? Use it contact form..
Have you ever tried Wise?
I am Dutch, but I have an account with Wise with a Belgian iban number
Me too, a NLer who received a BE IBAN account from Wise after a short registration period in 2020. I believe that as a non-EU resident (living in ID), I cannot yet obtain a debit card, nor make direct debits for ongoing NL payments.
I believe Wise opened a branch in Belgium to maintain accounts in the EU after the UK left.
I have an account with ING, no problem
ING thanked me a few years ago with a fake reason, they had to have the tax address of my wife who of course lives with me, well I sent those letters to ING six times, they kept asking for it, I also called several times to see if it was possible. now it was finally ok, and yes, I received confirmation by telephone, but never in writing, until I received the letter of termination of the collaboration, no problem, I now have my pension deposited directly into my Thai account, I will never do business with such a bank again.
Are you already a non-EU resident (with your foreign address with them)? By the way, my (also) Dutch wife also managed to open a completely new non-EU resident account with ING after ABN-AMRO started kicking us out in 2017 and I finally got tired of going against it in 2019. …
We now pay a “foreign surcharge”, actually a non-EU surcharge, but that is only a few EUR per month, so it is worth making direct debits that are still running in the Netherlands or paying for things via iDEAL.
I have not yet succeeded in direct debit via Wise (IBAN in BE). But if another non-EU resident can do that, I'd love to hear how 🙂
PS: Naturally, ING and now also Wise would like to know the tax number of the country where you are now a resident. But that seems quite logical to me with all the measures against money laundering and terrorism now. And you should have it anyway if you are really a formal resident somewhere else. Or so does your partner, if he or she is the account holder.
I also canceled my ING account and started an account with Wise. A BE-Iban is linked to that account. All my old age benefits in Euro are paid directly into that account. From time to time I transfer euros to my Thai bank account. Wise turns it into Thai baht. https://www.thailandblog.nl/?s=Wise&x=0&y=0
NB! WISE is not really a bank. The deposit guarantee scheme does not apply to WISE!
I have a friend who was deregistered from Belgium this year and he still has an account in Belgium. I'm going to try to reach him in Pattaya and ask at which bank he has an account and whether his pension is paid into it. Can I have your email address so I can forward it?
Kidney
Dear Francis,
This is another one of those rumors that are doing the rounds but are not supported by any actual evidence. Called bar talk.
The only bank in Belgium with which customers living outside the EU zone stopped their cooperation is
ARGENTA. I have been deregistered in Belgium for years, live in Thailand and still have my account with Fortis-Fintro (part of BNP).
I have also contacted the authorities and there are no restrictions regarding this item yet. There Argenta jkanten, living outside the EU zone, was an initiative of this bank itself.
Opening a new account, from Thailand, at a Belgian bank, as a deregistered person, will certainly cause problems because almost all banks require you to have an address in Belgium, which you no longer have as a deregistered person. To date, I have not received any reports from other Belgians who were deregistered and excluded by their bank, outside of Argenta.
quote: 'In my humble opinion, I believe that every Belgian is entitled to minimum banking services'.
I would like to see this officially RIGHT. A bank is a private institution and can accept or reject customers without having any legal obligation to do so, except the legal standards that every bank must meet.
Opening a bank account in Thailand is not that difficult if you have a NON-O visa and permanent address. You will, usually, need a 'Thai guarantor with fixed income'. The most convenient bank is the BANGKOKBANK.
Dear Lung Addie
Before you use the words “speech” it might be wiser to first inform yourself thoroughly about a particular subject and to approach it, not just from your own experience.
Everyone residing in Schengen is entitled to a basic banking service under Belgian law (https://economie.fgov.be/nl/themas/financiele-diensten/betalingsdiensten/basisbankdienst).
If you have been deregistered, you cannot in principle use a basic banking service and therefore cannot open a new account. I am aware that some people who have been deregistered have still managed to do so, but this is no longer legally possible. So a bank may be a private institution, but it is obliged to provide basic banking services to Schengen residents. (also to political refugees and asylum seekers - this is a side note)
Personally, my bank account with AXA was closed this year and friends of mine also had their accounts with ING closed. Banks can terminate the “business relationship” without any motivation on their part. Just read the small print. Some banks do this when they know that you live outside Schengen and this at their discretion. In any case, we are already talking about 3 banks.
Some time ago, the question was asked here, unsubscribe or not? It is indeed the case that you are in violation if you are outside Schengen for more than 3 months and you do not deregister. I advise everyone not to unsubscribe so as not to have any problems with their bank until the legislation regarding this has been introduced. a basic banking service has been adapted for every taxpayer in Belgium, regardless of where he resides.
Perhaps it is time to work on this together.
Thanks for your response Ronny.
Clearly written and substantiated information that you rarely encounter here on Thailandblog.
Straight to the point and no bar talk as someone mentioned above.
I also know several people who have been “thanked” by several banks. I would never have brought up this topic otherwise.
What I especially remember about your response is your conclusion… “couldn't we organize an action together?”
There is a temporary solution.
You can also first be temporarily absent and thus keep your address. Available for 1 year with possible extension of one year.
But not everyone can maintain an address in Belgium. Financially usually not interesting either, especially if you are not the owner.
Someone who has not been deregistered cannot register at an embassy.
You can of course register with someone else in Belgium.
Both actually commit address fraud.
But it is also not without danger for the person who actually lives there.
If the person who has been admitted to his address runs into financial problems, especially with debts, there is a risk that the bailiff will come knocking. That person had better make sure he can prove through invoices that everything in that house is his property, or the bailiff will seize it all.
There is still the option of a virtual address, be creative. For example REGUS
And how are you going to register that with the municipality?
A virtual address is not a domicile address.
Dear Ronnie,
Then read the first line of your link carefully.
Who is entitled to the basic banking service?
Every consumer who legally resides in a Member State of the European Union is entitled to basic banking service,...
I believe Thailand does NOT belong to the European Union, do you think so?
.
Your explanation about unsubscribing is also incorrect. Not I, but you are poorly informed.
Advising NOT to unregister is against the law and you commit domiciliary fraud, which can have serious consequences, also for the person with whom one registers in this way.
You do whatever...but I don't want you as an advisor.
Dear Lung Addie
Yes, Thailand does not belong to the European Union. Thailand is also not part of Schengen.
I have clearly stated that if you do not unsubscribe, you are in violation.
The reason I wouldn't advise people to unsubscribe is that it causes a lot of problems when your bank account is closed in Belgium. For example, I had to wait more than 2 months for my pension before everything was arranged. The bank does not have to send the account cancellation notice by registered mail. The letter has still not reached me.
As far as I know, this would also be against Belgian law to put someone without income.
It is therefore up to the people who want to unsubscribe whether they want to break the law by not unsubscribing or run the risk of losing income at some point for a certain period of time.
You already have the same qualities as a Thai. Most also have nothing to eat if their wages are not paid.
They can safely leave me without pay/pension for a few months. If you are of a certain age, you should be smart enough to maintain a financial buffer.
And no, you do not break the law with domicile fraud. You might be surprised at what the consequences are.
Conclusions without any information? I had no income for 2 months, I didn't say I had no finances anymore.
But if you only have 1 bank account and your account is closed, you can no longer use your savings account or other banking services.
Even if wages are garnished, you are still legally entitled to the minimum income.
Yes, domicile fraud is a violation. In my opinion, not being able to have an income is a bigger violation, but I do have control in my own hands.
So your reasoning was a bit short-sighted, A Thai characteristic? I would not know.
Strange indeed. A bank that terminates cooperation gives you ample time to look for an alternative solution.
In my case I had 3 months, then the funds were blocked and I could no longer carry out any transactions. I then transferred a larger sum to my account in Thailand and never got into trouble.
It is nonsense that you find yourself without income from one day to the next due to a decision by your bank. I don't believe this.
And justify domicile fraud, whatever you do. Says a lot about the credibility of your response.
1. Everyone residing in Schengen is entitled to a basic banking service under Belgian law
2. If you have been deregistered, you cannot in principle use a basic banking service and therefore cannot open a new account.
Your conclusion in 2 is incorrect.
The fact that you are entitled to a basic bank account in 1 and not in 2 does not mean that the bank cannot open an account for you.
The bank will often not want that, given the costs, but if the number of Euros in the account is high enough, the closed doors will suddenly open.
Then you belong to the wealthy elite and (almost) anything is possible.
I once had a serious discussion with the bank manager (Argenta) because I could only withdraw €3000 in cash from my bank account. That was the maximum amount they could give me. Even if I had ordered everything ahead of time. I had asked for a higher amount because I was moving to Thailand permanently.
I also commented to her that if I were a lot richer, I would probably get different treatment. That was strongly opposed. She told me that all their customers were treated equally. Almost everyone knows that this is nonsense.
Dear Ronnie,
You should be able to pull out a few more stops to accuse Lung Addie of telling nonsense.
If there is anyone here on this blog who always puts his knowledge and skills at the service of the readers, it is Addie. And you better make sure he knows his files.
Coming here to advise you not to unsubscribe is utter nonsense. When I read this, I attach little importance to your contribution. I hope no one will take your advice seriously because it could get you into quite a bit of trouble.
Everything Lung Addie writes here is ALWAYS well-considered and NOT based on his own experiences. The blog here is full of counter talk, but never from a file manager.
I have now been deregistered in Belgium for one month and still have two accounts in Belgium with Axa and Crelan, but they could not assure me whether I would continue to have this
Kind regards, eddy
This is due to the merger between AXAbank and Crelan. AXAbank accepted customers outside the Schengen zone, Crelan did not. My former AXA office manager already informally indicated that after the merger there is a good chance that the Crelan policy will be followed. This is regrettable because my banking relationship with AXA will also be terminated.
It doesn't get any easier.
Deregistered in Belgium for 26 years without any problems with my Paribas/Fortis bank.
Precisely Marcel, my friend and also your namesake for 13 years, still has his accounts completely deregistered with both Paribas-Fortis and Bpost, which is why I find it a strange discussion here, but everyone will be right that some banks do not accept it, which is certainly the case. with ING because they have their own banks in Thailand https://think.ing.com/economy/thailand Punish “those Dutch people” joke
Banks are obliged to provide the tax authorities with, among other things, the T.I.N (Tax Identification Number) of Belgians residing abroad. To obtain a T.I.N. in Thailand, one must provide a work permit and income (this was the case until 2 years ago), which is not possible as a retiree. In order to comply with tax requirements, more and more banks are deciding to remove customers with foreign residences (outside Europe) from their customer lists. Research has also shown that most customers with foreign residences offer little or no added value to the banks. Only customers with (important) investments are being left alone for the time being. A place of residence in Thailand is also still considered suspicious, where a lot of dirty money is channeled. The trend of removing foreign customers from banks is also reflected in other European countries and countries that have signed an International Treaty regarding... the fight against money laundering.
Keytrade, only via internet but very correct.
I have been deregistered from Belgium for almost a year and registered with the Belgian embassy (Bangkok). I still have my bank account in Belgium (Belfius).
My Belgian friend Benoit was kicked out by Keytrade in 2023. He lives and is domiciled in TH. He had been registered with Keytrade at his mother's address in Hoeilaart for many years. From when he still lived there. This year his mother died and her home was sold. Keytrade discovered that he no longer had his domicile there, after which Keytrade asked him digitally where he had his domicile. When he reported his address in TH, they announced that the banking relationship would be terminated within the month.
https://vbngb.eu/
The Association for the Advocacy of Dutch Pensioners Abroad, hereinafter referred to as VBNGB, is a non-profit volunteer organization.
As VBNGB, we have insight into national and international arrangements for retired Dutch people abroad. The VBNGB is a valued discussion partner of various ministries and representatives and consults with interest groups and supervisors. In order to continuously provide our members with the best possible service, the VBNGB also collaborates with other interest groups.
VBNGB is also working on this “banking problem”
I can confirm this, without any barroom talk! ….
I have been deregistered from BE and registered at the TH embassy.
I have been working with ING for MONTHS...it seems like a "battle of the fitttest"!!
almost every month the harassment starts again...send documents!
Origin of assets with TIN number, tax residence, proof even where my son lives in Be, copy of passport etc... after sending these documents... the following month... again!! There are still documents that are not in order! And so we keep going…for 6 months now!!
Unfortunately, I still need that bank account to pay alimony for my daughter... luckily my pension is paid directly into my Kasikorn account!
I expect one of these...also a letter like this from ING thanking me...the harassment continues!