General information

If you have applied for international protection in Belgium, you have the right to open a bank account using your orange card (Annex 26 or Attestation of Immatriculation). In practice, however, opening a bank account can sometimes be difficult, as individual banks may apply different policies regarding residence documents.

Generally, you can open two types of bank accounts in Belgium:

• Standard bank account: A standard current account allows you to deposit and withdraw money; make electronic payments; receive your salary or financial assistance and use online banking and make online purchases. Several Belgian banks may accept applications from people holding an orange card, although the conditions may vary from one bank or branch to another. The annual or monthly fees also differ depending on the bank and the type of account.

• Basic bank account: If you experience difficulties opening a standard account, you may be entitled to a basic payment account. This type of account allows you to deposit and withdraw cash; make electronic payments; receive transfers, such as salaries or allowances. The services included may be more limited than those of a standard current account, but the fees are generally low and regulated.

Banks may ask you to provide:

• Your orange card (Attestation of Immatriculation);
• Your Annex 26, if requested;
• Proof of your address in Belgium;
• In some cases, your national passport or another identity document.

The exact requirements may vary depending on the bank. If a bank refuses your application, ask for the reason in writing if possible. You may also seek assistance from your social worker, your reception centre, your lawyer or a social service or integration organisation. They may be able to help you identify another bank or assist you with the application.

Important: Before opening a bank account, inform them about your country of origin

Tips for LGBTQIA+ individuals

• If you are staying in a reception centre, ask your social worker whether they know which local banks are currently accepting applications from people holding an orange card.
• If you have recently changed your name or your gender marker, explain your situation if your identity documents do not all match. A social worker or lawyer can help you if administrative difficulties arise.
• If you experience discrimination while opening a bank account, inform your social worker or lawyer, who can advise you on the appropriate steps to take.

Go to the bank websites or call them to make an appointment. 

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