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How Bangladeshi Expats Can Set Up A Bank Account In Belgium

How Bangladeshi Expats Can Set Up A Secure Online Bank Account In Belgium

30 Apr 2025


Moving to Belgium for work, study, or a better life brings a lot of exciting opportunities, but managing your money wisely is key. One of the first things you’ll need is a safe and reliable bank account. This guide is specially designed for Bangladeshi expats to help you set up an online bank account easily and securely. It will also ensure that when you need to send money to Bangladesh from Belgium, you can do it without any stress!

Choosing The Right Bank In Belgium

Opening an online bank account starts with selecting a trustworthy bank that meets your needs. Here’s what to consider:

Types Of Accounts For Expats

Depending on your situation, you can choose from several account types:

  • Current Account: For daily transactions like paying rent, shopping, and receiving salary.
  • Savings Account: Helps you save and earn interest.
  • Student Account: Specially designed for international students, usually offering lower fees and extra benefits.
  • Non-resident Account: Ideal if you don’t have a permanent address in Belgium yet.

Choosing the right type of account makes it easier to manage finances and enables smooth money transfer to Bangladesh from Belgium.

Top Banks For Online Services

Several Belgian banks are known for excellent digital services:

  • BNP Paribas Fortis
  • ING Belgium
  • KBC Bank
  • Belfius Bank
  • Hello Bank! (a fully digital bank)

Each offers mobile apps, online banking, and multilingual support, making it easy even if you’re still learning French or Dutch.

Required Documents For Account Setup

Make sure you gather the necessary documents before you start:

  • Valid passport or ID card
  • Belgian residence permit or visa
  • Proof of address (rental contract or utility bill)
  • Proof of income (job contract or university enrollment letter)

Some banks may also ask for your national registration number (NISS), which you get after city registration.

Comparing Account Features & Fees

Before opening an account, compare:

  • Monthly fees: Some basic accounts are free, while others charge around €5 to €10.
  • ATM access: Check if they offer free ATM withdrawals.
  • International transfers: See if they support fast and affordable online money transfer to Bangladesh from Belgium.
  • App features: User-friendly apps with English support can make banking easier.

Taking time to compare options ensures you pick a bank that saves you money and meets your daily needs.

Keeping Your Online Banking Secure

Security is a top priority when managing money online. Here’s how you can protect yourself:

Avoiding Public Wi-Fi For Financial Transactions

Public Wi-Fi networks can be dangerous. Hackers often target unsecured connections to steal information. Always use a secure, private network or mobile data when accessing your bank account.

How To Spot Fake Banking Sites And Apps

Watch out for phishing scams that mimic real bank websites:

  • Check the website URL carefully — it should start with https:// and match your bank’s official name.
  • Download banking apps only from official stores like Google Play or the App Store.
  • Never click banking links received through random emails or SMS messages.

A little caution can save you from major financial loss, especially when you want to send money to Bangladesh from Belgium online safely.

Setting Strong Passwords & Using 2FA

Strengthen your account security by:

  • Creating strong, unique passwords with letters, numbers, and symbols.
  • Enabling Two-Factor Authentication (2FA) — a second layer of protection that asks for a verification code in addition to your password.

Many Belgian banks make 2FA mandatory for online banking, making transactions safer.

Regularly Monitoring Account Activity

Keep a close eye on your transactions:

  • Set up transaction alerts through your bank app.
  • Immediately report any suspicious activity to your bank.

This habit not only helps prevent fraud but also ensures you are always aware of your available balance when planning a money transfer to Bangladesh from Belgium.

Steps To Open An Online Bank Account

Opening a bank account online in Belgium is simple if you follow these steps:

Step-By-Step Digital Account Opening Process

  1. Choose a Bank: Compare services and choose one that fits your needs.
  2. Visit the Website or App: Go to the official site or download the app.
  3. Fill out Application Form: Enter your personal details accurately.
  4. Upload Documents: Scan and submit your ID, visa, proof of address, and other required documents.
  5. Verify Identity: Some banks require a short video call for ID verification.
  6. Account Approval: Once verified, your account is usually activated within 1-5 working days.

Now you’re ready to manage your money and even send money to Bangladesh from Belgium online whenever needed!

Common Issues And How To Avoid Them

  • Document errors: Double-check all uploads for clarity and completeness.
  • Language barriers: Choose banks that offer English-language applications.
  • Technical glitches: If the online form doesn’t work, visit a branch for assistance.

Preparation saves time and makes your banking experience smooth and stress-free.

Customer Support And Language Assistance

Most banks provide English-speaking support via phone, chat, or email. Always choose a bank known for responsive customer service so you can get help whenever you face banking issues. You can also visit Belgium.be for helpful information on settling in Belgium.

Setting up a Secure Bank Account 

Opening a secure online bank account in Belgium as a Bangladeshi expat is easier than you might think. By choosing the right bank, protecting your information, and following the right steps, you can enjoy safe and easy online banking. This makes it simple to manage your money, pay your bills, and whenever needed, quickly send money to Bangladesh from Belgium using trusted services like ACE Money Transfer. With over 129,000 reviews and a 4.8+ rating on Trustpilot, ACE Money Transfer proves its dedication to top-quality service.

FAQs

Can Bangladeshi expats open a bank account online before arriving in Belgium?

Some banks offer pre-arrival account openings, but most require proof of Belgian residency or a local address.

Which bank is the best for online money transfers to Bangladesh?

Many banks allow international transfers, but using ACE Money Transfer offers a faster, more affordable way for online money transfer to Bangladesh from Belgium.

Is it necessary to have a residence permit to open a bank account?

Yes, most banks require a valid residence permit or visa along with proof of address.

How long does it take to open an online bank account in Belgium?

Typically, it takes between 1 to 5 working days after submitting all required documents.

How can I keep my online banking details safe?

Use strong passwords, enable 2FA, avoid public Wi-Fi for banking, and regularly monitor your account activity to stay secure.


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