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Comparison

e-DEPO, MyMinfin, or garantie.be
: Pros and Cons

Two legal options for setting up your rental guarantee in Belgium. Here’s a comprehensive comparison to help you make the right choice based on your situation.

Choose garantie.be Go to MyMinfin

Principle

How do the two solutions work?

e-DEPO on MyMinfin

The tenant sets aside a sum of money (2 to 3 months’ rent, depending on the region) in an account managed by the Belgian government via e-DEPO. The money remains inaccessible until the end of the lease.

Example for €800/month:
€1,600 set aside
for the entire duration of the lease
RECOMMENDED

garantie.be

The tenant does not pay any money upfront. Garantie.be acts as a joint guarantor for the tenant with the landlord. The tenant pays an annual premium for the guarantee service.

Example for €800/month:
€96/year
no funds held in escrow

Detailed Comparison

e-DEPO vs. garantie.be: criterion by criterion

Criterion
e-DEPO MyMinfin
garantie.be
Cost
Free
At least €96 per year
Tied-up Funds
2 to 3 months’ rent tied up
No funds tied up
Belgian eID required
Yes (required)
Not required
Processing Time
1 to 7 days (bank transfer)
A few hours
Complexity
Technical Procedure (Common Mistakes)
Simple form, 5 min
Landlord Approval
Very good
End of Lease
Termination Procedure (Agreement Between Both Parties)
Simple termination, without any procedure

Our Recommendation

Which solution should you choose based on your situation?

Choose e-DEPO if:
  • You have the funds to be set aside and want to avoid any fees
  • You have a valid Belgian ID card and an active MyMinfin account
  • You’re not in a rush to sign the lease
Choose garantie.be if:
  • Would you prefer to keep your cash on hand
  • Are you an expatriate, an international student, or do you not yet have a Belgian eID
  • Do you need the guarantee within a few hours
  • Do you want to avoid the technical complexities of MyMinfin?
Apply online
Both options are safe, legal, and recognized in Belgium. Since April 2025, tenants have been free to choose their method of security deposit. The majority of Belgian landlords and real estate agencies accept both options.

Further Reading

e-DEPO Practical Guides

Lock in Your Guarantee on e-DEPO →
A complete 4-step guide to setting up your guarantee on MyMinfin.
Documents and Common Mistakes →
Required documents and the 5 most common errors on e-DEPO.
Retrieve your security deposit on e-DEPO →
The 3 steps to release the funds held in escrow at the end of the lease.

Ready to choose garantie.be?

No eID required, no funds to be frozen, no waiting. Get a response in a few hours, with the certificate sent directly to your landlord.

Apply online