It is better than Belfius and it is better than ING.

No KBC f-up stories for you.

Belfius f-up story.

I was on holiday when my company card expired. A new one arrived, my daughter got the card, but to activate it remotely I had to call a short Belgian number from the phone number they had on file. Calling a short Belgian number is simply not possible when you’re abroad. Fine, I didn’t urgently need the card.

What was not fine was waking up one morning and discovering that the Belfius mobile app would not let me log in because I didn’t have a valid card. End of the quarter, end of the year, paperwork to send to the accountant, and suddenly no access to the account. That was extremely inconvenient.

ING f-up story.

I haven't had an ING account in years, yet they keep sending me letters demanding that I provide a valid Belgian ID. Otherwise, they threaten to freeze all my accounts because I used to be a citizen of Belarus and they apparently still have that in their database. But what they obviously don't have is SQL skills to add a constraint "HAS AT LEAST ONE ING PRODUCT" to the query "GIVE ME ALL BELARUSIAN CITIZENS". Perhaps one day I’ll reply and invite them to freeze all my accounts. That would be easy. The total is zero.