Regulated savings account
A Belgian bank savings product whose minimum rate and tax regime are set by the State. Combines a base rate and a loyalty bonus (earned after 12 months). Interest is tax-exempt up to an annually indexed ceiling (1 020 € per person for 2026, 2 040 € for a married or legally cohabiting couple); above that, a 15 % withholding tax applies.
Why It Matters
The standard vehicle for emergency funds and buckets in Belgium: immediate availability, deposit guarantee up to 100 000 € per bank, favourable taxation as long as you stay below the ceiling. Ankora recommends spreading across two banks above 100 000 €.
Concrete Example
15 000 € in a regulated savings account at 0.90 % (base) + 1.10 % (loyalty) → roughly 300 €/year in interest, tax-free because under the ceiling.