Form

Frozen Bank Account

KBC Rental Guarantee
: Escrow Account and Alternatives

KBC Bank offers a blocked account for your rental guarantee. Here’s how the process works, its limitations, and why garantie.be may be a faster and simpler alternative.

100% Online Alternative KBC website →
KBC processing time: 1 to 3 days (customers) / 3 to 5 days (non-customers)
garantie.be: a few hours
No funds held in escrow

KBC Procedure

How do I open a rental guarantee with KBC?Online for existing customers only

KBC is Belgium’s most digital bank in this regard: existing customers can open and release their rental guarantee entirely through KBC Mobile or KBC Touch. Non-customers must use KBC Live (video) or visit a branch, with a Belgian eID.

1
Gather the necessary information

Your Belgian ID card, your landlord’s contact information (name, address, email), the address of the rental property, the lease term, and the amount of the rental guarantee (2 months in Brussels and Wallonia, 3 months in Flanders).

KBC customers: You can open an account via KBC Mobile and KBC Touch.
2
Open an account online or at a branch

KBC customers: Open an account directly in KBC Mobile or KBC Touch in just a few minutes. Non-customers: You’ll need to visit a branch or use KBC Live with your Belgian eID.

3
Obtaining the Certificate for the Landlord

KBC Bank issues a certificate confirming that the guarantee has been successfully established. This document must be provided to your landlord before signing the lease. Please allow 1 to 3 days (for customers) / 3 to 5 days (for non-customers) to receive it.

Comparison

KBC Blocked Account vs. garantie.be

KBC Rental Guarantee Savings Account

  • KBC Customers: Open an account and fund it 100% online via KBC Mobile/Touch
  • Available immediately after opening for customers
  • Regulated savings account (Category A), free of charge, with no fees
  • Withdrawal at the end of the lease term is also possible online
  • Non-customers: Belgian eID required; must be done via KBC Live or at a branch
  • Funds remain frozen for the entire duration of the lease
  • Not available to expatriates without a Belgian eID
QUICK ALTERNATIVE

garantie.be

  • No funds are locked up—your savings remain available
  • 100% online process, right from your smartphone
  • Response within a few hours, 7 days a week
  • No eID required—accessible to expats
  • Certificate sent directly to the landlord
Discover garantie.be

Frequently Asked Questions

Questions About the KBC Rental Guarantee

Can someone who isn’t a KBC customer open a KBC rental guarantee?

Yes, but not entirely online. A non-customer must use KBC Live (video consultation) or visit a branch, and must have a valid Belgian ID card.

How long does it take to open a KBC rental guarantee online?

For an existing KBC customer, the account is available immediately after opening it in KBC Mobile or KBC Touch. The certificate is generated quickly, usually within 1 to 2 business days.

Can I release the KBC rental guarantee through the app?

Yes. In KBC Mobile, go to your rental guarantee savings account, tap “Settings,” and select “Release Rental Guarantee.” KBC will review the documents within 5 business days.

Get your rental guarantee in just a few hours

No funds tied up, no appointments, no trips. 100% online from your smartphone. Certificate sent directly to your landlord.

Find out how it works

FSMA-authorized broker · Compliant with Belgian law · Accepted by Belgian landlords