Keytrade Bank Reviews 

Really happy with Keytrade Bank. Very simple and easy use products and you get some money at each bank transactions. No recurrent fee for your bank account.

card was suddenly blocked by supposedly 3 wrong attempts, but that was absolutely not my fault. Payment made 14 days before with that code without a problem. answer from helpdesk (after waiting 20,30,20 minutes on the phone): card is unblocked but can only become active again in Belgium. there you are at the airport of faro in Portugal without being able to receive your reserved rental car.

So far I'm happy with the service I receive with Keytrade bank. The app is good and user-friendly!

This bank clearly shows how banks are the biggest scammers in the economy. First they steal away thousands of euros in conversion fees from moving money from your 'current' to 'trading account', they just don't respond on messages being sent, the only thing you get they would respond in 2-4 weeks time but they never do and today I noticed a negative balance of about 110 EUR on the trading account while that balance was 0 EUR. I am moving away my money immediately and I suggest everyone to stay away from these scammers. NOT RECOMMENDED AT ALL!

Keytrade bank compliance, in addition to requesting source of funds in accordance with AML directives ( which I always provided) required that I sent them a copy of all my bank transactions over the past 18 months at another bank. When I refused on the basis that their request is unnecessary and a disproportionate intrusion into my private and family life ( article 8 of ECHR) Keytrade notified me that they are closing all my accounts and that no explanation is necessary. This is abusive and in breach of art 8 of ECHR and causes me tremendous distress.

By far the worst app on the market.

I'm stuck with Keytrade since I've my loan with them but i would advice anyone to not use their services. You cant call them, you spent 1 hour in the queue to have someone on the phone and you never get anybody. All the Bancontact system is trash, works half the time. Money is debited from account without arriving to the Marchand, it takes moth to get back the money. Worst bank and mobile app ever created. When you contact them by email with a question, they answer you as if you were the stupidest human alive.

I'm account since 1998 at the time the bank was still one of the first online brokers in Belgium. Back than it was called Van Moer Santerre. The platform for trading was one of the few in the Benelux and worked like a charm. Taken over by Crédit Mutuel Arkéa everything went (or most of it) went South. Especially customer assistance is at lowest quality level since they started out in the 90s. I'm still here for the trading platform while even pretty exotic derivatives can be trade (and this without to have to beg to create the equity). Probably the reason why trading is expensive. Meanwhile the platform is outdated at least for one reason; modifying a pending order is NOT possible. One needs to cancel it first and enter it renewed with the needed modified conditions.

no more access to my accounts - no response to mails, waited more than 30min to get someone on the phone - no one picked up

I'm customer to Keytrade for around 3 years and it was fine until this year (2023) when I got money taken out of my VISA card without authorisation. I followed their procedure to get the money back but I never had it back. Customer service can't help and they don't give the money back and you can't contact VISA yourself. I've had to go to mediator. Trading stocks is costly. A lot of small IT problems. Benefits when doing transactions are great though.

Worst bank ever. Customer support is terrible – not providing any solution. And even giving wrong information.

I had to call them many times because my cards (credit and debit) were surprisingly blocked after a trip to Canada. It took me 5 calls to unlock them. And then suddenly, the same day, both of them were locked AGAIN. Customer service was then explaining to me how to remember my PIN code !!!!!

As a result, I move abroad without any payment method. But don't worry, they'll send the replacement card in 10days, in BELGIUM !!!!!

Poor customer service at its best..
Went trough all the identification questions correctly.
Last questions was "when did you log in the last time?" Living abroad and not using the mobile app much, I couldn't reply the exact DATE...
I didn't pass the identification and have to go through a bunch of additional requests by email

Worst online bank in history, nothing works, contacting them is useless, certain operations are done without any confirmation or anything, etc. For example to close your Keyplan (funds plan) you can't do it online, you need to send an email and then... no idea when it's closed, at what prices, and the whole history disappears from the website so you can't properly fill in your compliance report. My latest problem: I need to do an urgent wire transfer and the site says it's done but then... the money is still there and no transfer is showing. Second time I try and same result. Then now after doing such an operation, the website tends to freeze and there's nothing you can do but log back in. When I changed my Keyplan, the new composition still included an old fund, nobody noticed, I told them and they had no solution, nothing, it's total emptiness, probably only clueless people still work there. Remove your money quickly, if you even manage, and I would say close your account but that probably requires letters and faxes and takes weeks without knowing what's going on. I hope the authorities raid them and expose this fraud of a bank.

I followed the procedure to open an account online in November 2022. We're March 2023 and I'm still waiting... I did get a mail from them in January to which I replied immediately. I sent them a mail last week to get a status.. Still waiting for a non-automated reply..
It's quite possible that they are overwhelmed and understaffed but this is getting ridiculous.

Why on earth do you not support logon via ITSME like every other bank and insurance company in Belgium??

I would trade so much more (generating revenue for you) if it was easier and safer to log on.

I do not want to have to use your specific hardkey or app to confirm my login - I do not trust it, and it is a pain to activate because it takes you weeks to answer password reset requests.

App renew: contact helpdesk will take you like 4 weeks. before you have all instructions and data to re-install.
They kindly give you a hardkey later on, but impossible to install following there instructions....
So bad app and support.

Where is the one-star for this joke of a bank ? It hurts me to put one-star to this. I had one simple thing to do : change my adress, correct a problem with my connection or else an old pennystock was going to cost me.
It's been more than a month that we are trying to solve this. By email they tell you any enquiry will take 4 weeks to answer (I have the mail). They send you automatic mail to press you to connect or pay more. And nothing. You can't have them on the phone, you write them letter it takes 3 weeks to come back, they barely answer emails. Then you receive something and the process is so precise that anything you do put you back to square one, you have no margin for behavioral error and you can't see them, you can't talk to someone.
No idea how much this will cost me but this is a joke, this is not a bank, this is an orgnization of insane IT people designing process that only works for them.
I'm almost laughing, I was asking for such a simple thing and it's not close from being over. You will never gonna get them on the phone and they ask you to call them asap.
Just terrible, just terrible.

This bank uses old-fashioned software and doesn't respond quickly to emails. Very sloppy way of doing business.

Impossible service. Probably call center where there is a big difference in quality of the service you get ...from very willing to help to flat out terrible. Always other people on the phone, who say they will send your request to "the appropriate administrative service desk" , that after 6 weeks of waiting and 4 calls simply don't send the necessary information. They can't even tell you to what address they eventually will send your information. If you are in need of professional and speedy help, please please please go somewhere else, because keytrades service is one big frustration...

I confirm, very bad service. An internet bank that sends you PDFs, no follow-up the person who answers your email is different each time and does not provide any follow-up to your requests. After more than 2 years of explaining to ask for a better credit card and stipulating that the account is only in my name, it blocks everything, despite the fact that my wife is not a co-holder and has never received a soft or hard key .... but each speaker asks again to explain everything. each but is read by a person so it is the snake that kills its tail. the only positive point with this bank is that we are happy to leave it and even then... you have to follow up to get confirmation.

Customer services respond fast by mail or by phone and they give you the best answer. It's free and you get a little something for each transaction. You have app for phone, tablet and a website. as a young person who work for 10 years and who is at ease with technology is perfect because you have a great deal of autonomy.