{"id":17463,"date":"2025-05-12T14:37:17","date_gmt":"2025-05-12T12:37:17","guid":{"rendered":"https:\/\/garantie.be\/rental-surety\/blocked-bank-account-rental-guarantee\/"},"modified":"2026-09-24T12:36:10","modified_gmt":"2026-09-24T10:36:10","slug":"blocked-bank-account-rental-guarantee","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/rental-surety\/blocked-bank-account-rental-guarantee\/","title":{"rendered":"Blocked bank account for rental guarantee"},"content":{"rendered":"\n\n
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Complete Guide<\/p>\n

Blocked account for therental guarantee in Belgium<\/span><\/h1>\n

A blocked account is the most common form of rental guarantee<\/a> in Belgium. Here’s how it works, what its limitations are, and how to compare the major banks. <\/p>\n

\n Alternative Without Locked-Up Funds <\/line><\/polyline><\/svg><\/a>\n All types of guarantees<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Definition<\/p>\n

What is a blocked rental guarantee account?<\/h2>\n

A blocked account is a savings account opened in the tenant’s name at a Belgian bank, into which the rental guarantee is paid. Neither party has access to this account for the duration of the lease. <\/p>\n\n

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For the landlord<\/div>\n
The funds are secured and available in the event of damage or nonpayment, subject to approval or a court order.<\/div>\n <\/div>\n <\/div>\n
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For the tenant<\/div>\n
The funds remain in the tenant’s name and are returned to the tenant at the end of the lease if no damage or unpaid rent is found.<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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How It Works<\/p>\n

Unfreezing a Frozen Account: The Steps<\/h2>\n
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1<\/div>\n
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Choosing a Bank<\/div>\n

The major Belgian banks offer this service. Depending on the bank, you can open an account in person at a branch or, if you’re an existing customer, through the mobile app. See the bank comparison below. <\/p>\n <\/div>\n <\/div>\n\n

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2<\/div>\n
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Open an account and deposit funds<\/div>\n

The account is opened in the tenant’s name. The security deposit is paid in a single lump sum\u20142 months’ rent in Brussels and Wallonia, and 3 months’ rent in Flanders. The account is immediately frozen. <\/p>\n

\n <\/circle><\/line><\/line><\/svg>\n Allow 3 to 7 business days before signing the lease to obtain the certificate.<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n
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3<\/div>\n
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Submit the certificate to the landlord<\/div>\n

The bank issues a certificate confirming that the rental guarantee has been posted. This document is given to the landlord before or at the time the rental lease<\/a> is signed. <\/p>\n <\/div>\n <\/div>\n\n

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Recover the funds at the end of the lease<\/div>\n

Afterthe inventory report<\/a>, the landlord and tenant jointly sign the release document. In the event of a dispute, the funds remain frozen until an amicable agreement is reached or a decision is made by the justice of the peace. The funds must be returned within 2 months of the keys being handed over. Learn more about the release of the rental guarantee<\/a>. <\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Analysis<\/p>\n

Advantages and Disadvantages of a Restricted Account<\/h2>\n
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Positive aspects<\/p>\n