Frequently Asked Questions

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Who can use Easy Banking Business?

Easy Banking Business is an online banking platform for companies and it enables you to manage your company's cash flows. The platform is aimed in particular at professional customers with extended needs. You can, for instance, download CODA reports, carry out payments with high transaction limits, manage third-party accounts and manage direct debits as a creditor.

Can I add other companies to my Easy Banking Business contract?

A separate contract is drawn up for each company, but users can have access to several contracts, and therefore several companies, with a single card. Users can also easily switch between contracts on the platform.

Easy Banking Business users may have varying permissions, what does this mean?

In Easy Banking Business a contract manager can assign specific rights or permissions to each of his or her users for each contract and for each module: Accounts and Payments, Credits, Investments, Cards and the Contract (in Admin). For example, a user may have access to the Accounts and Payments module but not to the Investments module, or a user may be able to sign off credit transactions but require the signature of a second user for transfers.

Each module has its own user permissions.

In the module Accounts and payments, there are 5 options:

  1. No access: the user has no access to the module Accounts and Payments.
  2. Consult: the user can consult the available information.
  3. Initiate: the user can
    • consult information;
    • enter transfers and other operations without signing them yourself.
  4. Sign direct debits: the user can
    • consult information;
    • enter transfers and other operations;
    • sign direct debits.
  5. Sign all transactions: the user can
    • consult information;
    • enter and sign transfers and other operations.

In the Accounts and payments module, the user can also manage the mandates for any third-party accounts.

In the Credits module there are 7 options:

  1. No access: the user has no access to the Credits module.
  2. Consult: the user can consult the available information.
  3. Initiate: the user can
    • consult information;
    • enter credit applications and other operations without signing them yourself.
  4. Sign funds release with another user: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables you to issue bank guarantees on existing credit lines. They need a second user to sign to confirm the credit operation.
  5. Sign funds release alone: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables them to issue bank guarantees on existing credit lines.
  6. Sign all credit operations with another user: the user can confirm or refuse all credit operations. They need a second user to sign to confirm the credit operation.
  7. Sign all credit operations alone: the user can confirm or refuse all credit operations.

In the Investments module, there are 3 options:

  1. No access: the user can do nothing in this module.
  2. Consult: the user can only consult the module.
  3. Sign: the user can sign for entries on term deposit accounts.

To create new investments or request credit lines, please visit your relationship manager.

In the Cards module there are 3 options:

  1. No access: the user cannot do anything in this module.
  2. View own cards: the user can consult only your own cards.
  3. View all cards: the user may consult all cards of the Easy Banking Business contract.

In the Contract there are 3 options:

  1. No access: the user cannot do anything in this module.
  2. Consult: the user can only consult in this module.
  3. Contract manager: the Contract manager can manage the rules and user groups for employees within the organisation.

To change the contract manager or appoint a new contract manager, please contact your relationship manager at the bank.

Where can I find my user number?

Your user number (user ID) is shown on your access card. It consists of a series of thirteen digits separated by dashes (for example: 1-1234567-123-12).

What should I do if I have forgotten my PIN code?

"You need to order a new card. For security reasons, your PIN code is saved on your smart card. It is therefore impossible to retrieve your PIN code or to apply for a new one without changing your card.

Easy Banking Business allows a contract manager to apply for a new card by clicking on the user concerned in the User management under Admin and selecting Replace Card.

If you do not have a contract manager, please call our Help Desk on 02 565 05 00.

Note: If you enter the wrong password five times, your card will be permanently blocked.

Where can I find the PIN code for my new card?

The PIN number for your card will be sent to you by post when your card has been ordered.

How do I change my PIN number?

If you wish to change the PIN number of your bank card, open the Isabel OfficeSign control panel on your Windows computer or the BNPMac panel on a Mac computer. Click on Change Password. You will first have to enter your current PIN number and then your new eight-digit PIN number.

How do I activate a new card?

Click here to activate your card.

Which card readers can I use?

"If you have an Isabel card.

For an Isabel card you need an Isabel card reader with a numeric keypad. With this you can log on to Isabel 6 and Easy Banking Business. A Contract Manager can order a new card reader in Easy Banking Business. To do so, click on the Admin icon in the top right and choose Users. Click on the Order Card Reader button at the bottom of the screen.

If you do not have a contract manager, you can contact the Easy Banking Business Helpdesk on 02 565 05 00 (from Monday to Friday, between 8am and 5pm).

If you have a Easy Banking Business card.

If you have a Windows computer you can opt for a standard card reader without a numeric keypad. For Mac computers you need a Mac card reader with a numeric keypad. The Mac card reader can also be used for Easy Banking Business cards in Windows.

A contract manager can order a new card reader in Easy Banking Business. To do so, click on the Admin icon in the top right and choose Users. Click on the Order Card Reader button at the bottom of the screen.

If you do not have a contract manager, you can contact the Easy Banking Business Helpdesk on 02 565 05 00 (from Monday to Friday, between 8am and 5pm)."

How do I install a card reader?

Connect your card reader to the USB port. The card reader's driver is automatically installed. If you are experiencing a problem during the driver's installation, click here.

What should I do if my access card is lost or stolen?

"If your card is lost or stolen, immediately call Card Stop on +32 70 344 344 (accessible day and night, every day of the week – both in Belgium and abroad) to block your card.

Try to give Card Stop as much information as possible, including your surname and given name, the contract number of the user, and the name of the company where the card is used.

Make a note of the file number assigned by Card Stop and keep it in a safe place.

Easy Banking Business allows a contract manager to apply for a new card. To do so, click on the cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. Click on the drop-down menu next to the user in question and select Replace a card.

If you do not have a contract manager, contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm)."

Where can I order a new card reader?

"A contract manager can order one or more new card readers in the Contract module. To do so, click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview. At the bottom of the users' overview, click on Order card reader.

If you do not have a contract manager, contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm)."

I see the message: “Card definitively blocked! You have to get another card!” What now?

"This message means that you have entered a wrong password five times. Your card is now permanently blocked. For security reasons, your password is stored on your smart card. It is therefore impossible to retrieve your password or to apply for a new password without changing your card.

A contract manager can order one or more new card readers in the Contract module. To do so, click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview. At the bottom of the users' overview, click on Order card reader.

If you do not have a contract manager, contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm)."

How do I replace a card?

Are you a Contract manager? You can replace Easy Banking Business cards or Isabel cards online. Please note that you can only replace cards here that were originally issued by BNP Paribas Fortis or Fintro.

To do so, click on the cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. Click on the drop-down menu next to the user in question and select Replace a card.

Step 1: Choose a card and delivery method

Please enter the ID of the card you wish to replace and whether you want to use urgent delivery. Extra costs are charged for urgent delivery. Click on the Cost for replacing a card link or Info on urgent delivery of a card link to view the prices.

Step 2: Choose the delivery address for the new PIN code

The PIN code for the replacement card will be sent by post. Double-check the address provided, or put in a new address for the recipient.

Step 3: Check the delivery address for the card

The replacement card will need to be picked up from your branch. If you wish to select a different branch, click the link at the bottom.

Was your card lost or stolen?

If your card is lost or stolen, immediately call Card Stop on +32 70 344 344 (accessible day and night, every day of the week – both in Belgium and abroad) to block your card. Please note that a card that you replace online will (only) be automatically locked when you activate the new card.

How do I order a card reader?

Are you a Contract manager? You can order new card readers online in Easy Banking Business. Depending upon your contract, you can order card readers for Easy Banking Business on Mac, and for Easy Banking Business or Isabel on Windows.

To do so, click on the Admin cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. At the bottom of the users' overview, click on Order card reader.

Step 1: Request card reader(s)

Use the drop-down menu under Request card reader(s) to choose the number of card readers for each model.

Extra costs may be charged to your account for the delivery. Click on the link Cost of the card reader to view our prices.

Step 2: Choose a delivery address for the card reader

You can have the delivery made to your company’s address, or fill in a different address.

I see a blank page when I log on or click on certain buttons.

"Verify that your computer meets the technical requirements. If necessary, contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm).

What does the message "WAS9001" mean?

"This error message is displayed when the bank's servers are unavailable or access is disrupted. Please delete the temporary Internet files from your browser (consult the help function in your browser for more information) and try again later.

Note: If you receive this message during a transaction (a direct debit, for instance), it is very likely that the transaction was nevertheless performed correctly. If you do not receive a confirmation of the transaction, please contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm)."

What does the message "TEC2L01" mean?

This error message can be caused by your cookies or appears when the bank's servers are unavailable. Please delete the temporary Internet files from your browser (consult the help function in your browser for more information) and try again later.

I see the message "Your certificate has been blocked or has expired".

"At each login the status of the card user is checked. This message is displayed when:

  • your card has been blocked;
  • the date and time of your computer have not been set;
  • your security certificate has expired.

In this case, please contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm)."

I see the message "No Easy Banking Business contract found" when I log in.

Verify that the card corresponds to your Easy Banking Business contract. If necessary, contact the Easy Banking Business helpdesk at 02 565 05 00 (Monday to Friday, 8am to 5pm).

What is the difference between To be followed up and To be signed?

The screens Sign off transactions and Sign off your modifications will show all transactions that may be of interest to you. The transactions and modifications that require your signature will be shown under To be signed. These transactions cannot be executed unless you sign. Select the action you wish to perform in the menu next to the transaction.

To be followed up contains modifications and transactions still waiting for one or several signatures from other users. These are transactions that you have already signed off or that you are not authorised to sign off. More information is available via the menu next to the transaction, under Details.

Why do I need an additional signature for this transaction?

Each user of Easy Banking Business is assigned rights by the contract manager. For example, users with a limited profile can sign off transfers alone up to a certain amount, but need an additional signature for larger amounts.

Can I still change or cancel a transaction?

Users with the right profile can modify a transfer that was created and confirmed, before signing it. To do this, go to Sign transactions and click on the menu next to the payment in question. Choose Modify to make your changes.

Where can I find transfers I still need to sign or monitor?

Click on Payments in the menu and select Sign Transactions.

At the top of this screen, you will see the transactions which you need to sign.

If you have arranged a transaction which still needs to be signed by another user, then you will find these under To follow up.

Who is my contract manager?

Once you are logged in, you will be able to see who has been assigned the role of contract manager in your organisation. To do so, click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview. It may be that a contract manager has not yet been assigned for your company. In that case we request that you add a contract manager.

What is a contract manager able to do?

"A contract manager is able to manage the user rights of employees within the organisation. It may be that in your organisation several people are involved with the day-to-day management of your online banking. Depending on their position, they can have different user rights in Easy Banking Business. In order to manage these various rights and users one or more contract managers are appointed for each Easy Banking Business contract and they are responsible for and authorised to adjust the settings of the contract.

Each contract manager will be able to do the following online through Easy Banking Business:

  • Determine which users have access to what information and who is authorised to sign for certain transactions in Easy Banking Business & Isabel
  • Order card readers and replacement cards for users
  • Activate CODA and XML reports, and configure customised reports

Note: The contract manager is responsible for managing your online banking and his/her access must be validated by a legal representative of the organisation."

I do not have a contract manager. How can I add a contract manager to my contract?

Not all contracts have a contract manager. To be able to benefit from online contract management you must appoint a contract manager within your organisation. Please contact the Help Desk on 02 565 05 00 (Monday to Friday, 8am to 5pm).

How many contract managers can I assign? Can I have more than one contract manager?

There is no limit on the amount of contract managers you can assign. In some cases, it may even be better to have several contract managers. Since a contract manager can manager his or her own rights, you can reduce the risks by assigning two contract managers that have to sign together to validate certain changes. If you wish to assign a contract manager, please contact the Help Desk on 02 565 05 00 (Monday to Friday, 8am to 5pm).

Who determines the user rights in my Easy Banking Business contract?

The contract manager is able to assign and refine the rights for each user within the contract. To do so, click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview.

Where can I define my user rights in Easy Banking Business?

A contract manager is able to adjust the rights of the various users in Admin. Here it can be determined which users have the right to sign in the various modules and which modules they are able to consult. If you want to change the contract manager or appoint a new contract manager, please contact the Help Desk on 02 565 05 00 (Monday to Friday, 8am to 5pm).

Can I have different rights for each available account in a Easy Banking Business contract?

No, the user rights are determined for all accounts available in the Easy Banking Business contract. However, if you have an Isabel contract, you are able to deny users access to specific accounts.

Who can change my user rights in Easy Banking Business?

The contract manager is able to change the rights and permissions to sign of the various users in Easy Banking Business. If you do not have a contract manager or would like to change the contract manager, please contact the Help Desk on 02 565 05 00 (Monday to Friday, 8am to 5pm).

Where can I manage the users in my contract?

Click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview.

Here you can change, add, or delete users. You can also manage the various user rights, replace cards, or order card readers.

Please note: In order to manage the users in your contract, you must have the rights of a Contract manager. Contact your relationship manager to appoint new Contract managers.

How do I change the rights of the users in my contract?

Are you a Contract manager? Then you can change the rights of the various users in the contract in Easy Banking Business. To do so, click on the cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview.

In the users' overview, click on the drop-down menu next to the user in question and select Modify.

How do I replace a card?

Are you a Contract manager? You can replace Easy Banking Business cards or Isabel cards online. Please note that you can only replace cards here that were originally issued by BNP Paribas Fortis or Fintro.

To do so, click on the cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. Click on the drop-down menu next to the user in question and select Replace a card.

Step 1: Choose a card and delivery method

Please enter the ID of the card you wish to replace and whether you want to use urgent delivery. Extra costs are charged for urgent delivery. Click on the Cost for replacing a card link or Info on urgent delivery of a card link to view the prices.

Step 2: Choose the delivery address for the new PIN code

The PIN code for the replacement card will be sent by post. Double-check the address provided, or put in a new address for the recipient.

Step 3: Check the delivery address for the card

The replacement card will need to be picked up from your branch. If you wish to select a different branch, click the link at the bottom.

Was your card lost or stolen?

If your card is lost or stolen, immediately call Card Stop on +32 70 344 344 (accessible day and night, every day of the week – both in Belgium and abroad) to block your card. Please note that a card that you replace online will (only) be automatically locked when you activate the new card.

How do I order a card reader?

Are you a Contract manager? You can order new card readers online in Easy Banking Business. Depending upon your contract, you can order card readers for Easy Banking Business on Mac, and for Easy Banking Business or Isabel on Windows.

To do so, click on the Admin cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. At the bottom of the users' overview, click on Order card reader.

Step 1: Request card reader(s)

Use the drop-down menu under Request card reader(s) to choose the number of card readers for each model.

Extra costs may be charged to your account for the delivery. Click on the link Cost of the card reader to view our prices.

Step 2: Choose a delivery address for the card reader

You can have the delivery made to your company’s address, or fill in a different address.

Can I delete a user from my contract?

Are you a Contract manager? Then you can delete a user from the contract in Easy Banking Business.

To do so, click on the Admin cog icon on the top right of your screen to access the settings of your contract. Then select Users to open the users' overview. Click on the drop-down menu next to the user in question and select Remove user.

When doing so, pay attention to the following:

  • Users with Contract manager rights cannot be deleted online. To do so, please contact your relationship manager.
  • Please note that removal of some users may make signing rules unusable. For instance: a member of group A needs a second member of group A to sign a transfer. This will be difficult if you delete the only other member of the group. Please double-check your signing rules after removing a user.
  • If this user was the only one to download reporting for a certain account, we advise you to disable reporting on that account.
  • If the user has access to other contracts, his or her access card will remain active.

How do I add a new user to my contract?

Are you a Contract manager? Then you can add an existing user to your contract in Easy Banking Business.

To do so, click on the cog icon on the top right to access the settings of your contract. Then select Users to open the users' overview. At the bottom of the users' overview click on Add user.

Step 1: Choose if you want to add a new or an existing user

If you manage more than one contract, you can choose.

Use the drop-down menu next to 'from another contract under your management’ to add a user that is already identified in a contract you have access to as a Contract manager. You can then fill in his or her contact details and click on Next to continue.

Is this a user who does not yet appear in one of your contracts? Then select 'by entering his or her personal details' and continue to step 2.

Please note that costs may apply when you order a card for a new user. Click on the link 'Cost of a card' for more information.

Step 2: Fill in personal information for the user

Fill in the necessary details for the user you wish to add. Fields marked with an * are mandatory.

If the user already has an Easy Banking Business card or an Isabel card, fill in his or her User ID in the appropriate field. In an Easy Banking Business contract, you can use Easy Banking Business cards as well as Isabel cards. Please note: In an Isabel contract, you can use only Isabel cards.

Which rights can I assign in Easy Banking Business?

Each module has its own user permissions.

In the module Accounts and payments, there are 5 options:

  • No access: the user has no access to the module Accounts and payments.
  • Consult: the user can consult the available information.
  • Initiate: the user can
    • consult information;
    • enter transfers and other operations without signing them yourself.
  • Sign direct debits: the user can
    • consult information;
    • enter transfers and other operations;
    • sign direct debits.
  • Sign all transactions: the user can
    • consult information;
    • enter and sign transfers and other operations.

In the Accounts and payments module, the user can also manage the mandates for any third-party accounts.

In the Credits module there are 7 options:

  • No access: the user has no access to the Credits module.
  • Consult: the user can consult the available information.
  • Initiate: the user can
    • consult information;
    • enter credit applications and other operations without signing them yourself.
  • Sign funds release with another user: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables you to issue bank guarantees on existing credit lines. They need a second user to sign to confirm the credit operation.
  • Sign funds release of funds alone: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables them to issue bank guarantees on existing credit lines.
  • Sign all credit operations with another user: the user can confirm or refuse all credit operations. They need a second user to sign to confirm the credit operation.
  • Sign all credit operations alone: the user can confirm or refuse all credit operations.

In the Investments module, there are 3 options:

  • No access: the user can do nothing in this module.
  • Consult: the user can only consult the module.
  • Sign: the user can sign for entries on term deposit accounts.

To create new investments or request credit lines, please visit your relationship manager.

In the Cards module, there are 3 options:

  • No access: the user can do nothing in this module.
  • View own cards: the user can consult only your own cards.
  • View all cards: the user may consult all cards of the Easy Banking Business contract.

In the Contract module, there are 3 options:

  • No access: the user can do nothing in this module.
  • Consult: the user can only consult the module.
  • Contract Manager: the Contract manager can manage the rules and user groups for employees within the organisation.

To change the contract manager or appoint a new contract manager, please contact your relationship manager at the bank.

How do I create a user profile in Easy Banking Business?

A user’s profile consists of their personal information, together with the different rights, mandates and signing rules that are assigned to them.

Step 1: Complete personal information

Under Personal information for the user, you can check the user’s data such as telephone number and e-mail address. This information can be used in other modules, such as Bonifisc.

Step 2: Choose a profile (optional)

You can choose to copy the profile of an existing user. This allows you to start with the user rights and signing rules assigned to the original user. You can then modify the information to fit this user.

Copying a profile has no consequences for the original user.

Step 3: Assign user rights

A user can acquire specific rights for each of the various bank modules. It is, for instance, possible for a user to be able to sign transactions in the module Accounts and payments, but to not have access to any of the other modules.

Click on the dropdown menu next to a module to modify this user’s rights in the module.

What permissions can I assign?

Each module has its own user permissions.

In the module Accounts and payments, there are 5 options:

  • No access: the user has no access to the module Accounts and payments.
  • Consult: the user can consult the available information.
  • Initiate: the user
    • consult information;
    • enter transfers and other operations without signing them yourself.
  • Sign direct debits: the user
    • consult information;
    • enter transfers and other operations;
    • sign direct debits.
  • Sign all transactions: the user
    • consult information;
    • enter and sign transfers and other operations.

In the Accounts and payments module, the user can also manage the mandates for any third-party accounts.

In the Credits module there are 7 options:

  • No access: the user has no access to the Credits module.
  • Consult: the user consult the available information.
  • Initiate: the user
    • consult information;
    • enter credit applications and other operations without signing them yourself.
  • Sign funds release with another user: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables you to issue bank guarantees on existing credit lines. They need a second user to sign to confirm the credit operation.
  • Sign funds release of funds alone: the user can release funds on credit lines and permit spending of credits that have already been approved. This right enables them to issue bank guarantees on existing credit lines.
  • Sign all credit operations with another user: the user can confirm or refuse all credit operations. They need a second user to sign to confirm the credit operation.
  • Sign all credit operations alone: the user can confirm or refuse all credit operations.

In the Investments module, there are 3 options:

  • No access: the user can do nothing in this module.
  • Consult: the user can only consult the module.
  • Sign: the user can sign for entries on term deposit accounts.

To create new investments or request credit lines, please visit your relationship manager.

In the Cards module, there are 3 options:

  • No access: the user can do nothing in this module.
  • View own cards: the user can consult only your own cards.
  • View all cards: the user may consult all cards of the Easy Banking Business contract.

In the Contract module, there are 3 options:

  • No access: the user can do nothing in this module.
  • Consult: the user can only consult the module.
  • Contract Manager: the Contract manager can manage the rules and user groups for employees within the organisation.

To change the contract manager or appoint a new contract manager, please contact your relationship manager at the bank.

Step 4: Set up account visibility

For visibility of accounts, there are three options:

  • All: The user can view all existing and future accounts of this type in the contract.
  • None: The user can not view any existing or future accounts of this type.
  • Managed access: Choose which specific accounts the user can view and which are hidden from him or her. By default, all newly opened accounts of this type will be hidden for the user.

A Contract manager can specify this for the different types of accounts: Current accounts, Savings accounts, Term deposit accounts and Third party accounts. This means that a specific user may, for instance, view all Current accounts, but no Term deposit accounts.

Please note that a user needs to have at least Consult rights within the module Accounts or Investments, to view any accounts. You can modify the user rights for a module in the same screen where you manage which accounts are visible to the user.

Step 5: Assign the user to a Signing Group

Transfers in the module Accounts and payments are governed by signing rules. These rules are assigned to groups. For instance, a user from Group A can make transfers up to a certain amount, but needs someone from Group B to sign too for larger amounts.

Choose a group for this user, or make a new one. Please take into account that a user can only belong to one group, and all signing rules will apply to each member of that group.

To adjust the signing rules for specific groups, please go to Signing Rules in the Admin menu.

How do I create a user profile in Isabel?

A user’s profile consists of their personal information, together with the different rights, mandates and signing rules that are assigned to them.

Step 1: Complete personal information

Under Personal information for the user, you can check the user’s data such as telephone number and e-mail address. This information can be used in other modules, such as Bonifisc.

Step 2: Choose a profile (optional)

You can choose to copy the profile of an existing user. This allows you to start with the user rights and signing rules assigned to the original user. You can then modify the information to fit this user.

Copying a profile has no consequences for the original user.

Step 3: Assign contract rights

You can assign the user permissions in different modules. Under Contract, you can define whether or not this user can see the contract module and the permissions given therein.

Please note that only a Contract manager can make changes to the settings of the contract. To give a user contract manager rights, please contact the help desk.

Step 4: Assign viewing rights

Choose which accounts, if any, this user can access. You can deny the user access to all accounts, or give access to all or specific accounts.

If you wish to specify which accounts are visible to the user, click the button next to Authorization only for the accounts checked in the list and then choose Accounts list. This includes any third party accounts your contract has access to. With this option, the user can only view the accounts you have checked in the list. New accounts added to the contract will not be automatically added.

Step 5: Assign downloading rights

Indicate whether the user can retrieve and download reports. You can choose which accounts the user receives reports for by clicking the button next to Authorization only for the accounts checked in the list and then going to the Accounts list. Please note that with this option, the user can only download from the accounts you have checked in the list. New accounts added to the contract will not be automatically added.

Step 6: Assign the user to a Signing Group

Transfers in the module Accounts and payments are governed by signing rules. These rules are assigned to groups. For instance, a user from Group A can make transfers up to a certain amount, but needs someone from Group B to sign too for larger amounts.

To give this user permission to sign transactions, choose a group for this user or make a new one. Please note that a user can only belong to one group, and all signing rules will apply to each member of that group.

To adjust the signing rules for specific groups, please go to Signing Rules in the Admin menu.

Note: you cannot give signing rights to certain users and accounts. These include function cards, that may be used by more than one person and ICS accounts used to automate data exchange.

What permissions can I assign in Isabel?

There are three types of permissions in Isabel:

  • Consult: define whether the user can consult accounts.
  • Sign: the user can retrieve and sign transactions or operations. These permissions can be further refined via Signing Rules.
  • Download: indicate whether the user can retrieve and download reports for an account.

Please note: you cannot give signing rights to certain users and accounts. These include function cards, that may be used by more than one person, and ICS accounts used to automate data exchange.

How do I change my company details?

You will find your company's contact details in Admin under Company Data.

This screen shows details including the company name under which the Easy Banking Business contract was concluded, company status and company number.

You can amend the contact details by clicking on Modify in this screen.

Do you want to amend the General data or Reference account or have you noticed any inaccuracies? Then please contact your relationship manager.

You should also contact your relationship manager to add or remove contract managers.

How do I create a new contract manager?

Please contact your relationship manager at the bank to do this.

How do signing rules work in Easy Banking Business?

Transfers in the Accounts module are managed by signing rules, which are assigned to groups. Some examples:

  • A user from Group A may enter and sign transfers up to 1,000 euros.
  • But for larger amounts, the same user from Group A may require someone from Group B to sign as well.
  • A user from Group C, however, may enter and sign transfers without a limit.

A contract manager can add users to signing groups and adjust the signing rules for specific groups via the Signing rules tab in the menu.

The Credits module also uses signing rules. They are set for each user. A contract manager can specify whether the user can sign alone or jointly with another user for either funds release or all credit operations.

How do signing rules work in Isabel?

Transfers in the Accounts module are managed by signing rules, which are assigned to groups. Some examples:

  • A user from Group A may enter and sign transfers up to 1,000 euros.
  • But for larger amounts, the same user from Group A may require someone from Group B to sign as well.
  • A user from Group C, however, may enter and sign transfers without a limit.

A contract manager can add users to signing groups and adjust the signing rules for specific groups via the Signing rules tab in the menu.

In principle, the signing rules apply to all accounts and payment types, but a contract manager may impose restrictions to the signing rules they set up in Isabel:

  • Originator accounts
    The signing rules only apply to a selection of the originator accounts, which are accounts from which you make transfers.
  • Beneficiary accounts
    The signing rules only apply to a selection of existing beneficiary accounts, which are accounts to which you make transfers. Please call the help desk if you wish to add new beneficiary accounts.
  • Reasons of payment
    The signing rules apply to one or all payment types, such as salary or interest payments.

Where will I find the signing rules for a particular user in Easy Banking Business?

You will find an overview of the different signing rules and signing groups for transfers under Signing rules in Admin. If you wish to search for a particular user, go to Users under User management and click the menu next to the user concerned. Select Details.

Here you will find the signing group to which the user belongs for the Accounts and payments module along with the signing rules applicable to this group. Here you will also see an overview of the signing rules that apply to the user in the Credits module.

Where will I find the signing rules for a particular user in Isabel?

You will find an overview of the different signing rules and signing groups for transfers under Signing rules in Admin. If you wish to search for a particular user, go to Users under User Management and click the menu next to the user concerned. Select Details.

Here you will find the signing group to which the user belongs for the Accounts and payments module, along with the signing rules applicable to this group.

What is a signing group?

Signing rules, which determine which transfers a user can sign for, are assigned to a group, not to an individual user. When you assign a signing rule to a group, it automatically applies to all users in the group.

For instance, the user can set up a signing group for your Accounting or Wage Administration.

How do I set up a signing rule in Easy Banking Business?

A contract manager uses signing rules to determine which transfers a signing group can execute. It is a three-stage process.

Step 1: Choose a signing group, or create a new one.

Select the group to which each signing rule applies. For instance, users in Group A may perform transfers up to a specific amount.

When you assign a signing rule to a user group, it automatically applies to all users in that group.

Step 2: Indicate who must sign

Specify whether users in that group can sign on their own or if they need a second user to sign, from their own group or from another group. Thus Group A in our example needs someone from Group B to sign too for larger amounts.

Step 3: Select the amount

Specify the amount up to which this signing rule applies.

Please note: The various rules you create for a group must not conflict with one another. New rules must not duplicate existing rules and can only extend the rights of users. If you want to restrict the rights of a group, by reducing the amount which that group can transfer, for instance, please alter the existing rules or delete them first.

How do I set up a signing rule for Isabel?

A contract manager uses signing rules to determine which transfers a signing group can execute. It is a four-stage process.

Step 1: Choose a signing group, or create a new one.

Select the group to which each signing rule applies. For instance, users in Group A may perform transfers up to a specific amount.

When you assign a signing rule to a user group, it automatically applies to all users in that group.

Step 2: Indicate who must sign

Specify whether users in that group can sign on their own or if they need a second user to sign, from their own group or from another group. Thus Group A in our example needs someone from Group B to sign too for larger amounts.

Step 3: Select the amount

Specify the amount up to which this signing rule applies.

Please note: The various rules you create for a group must not conflict with one another. New rules must not duplicate existing rules and can only extend the rights of users. If you want to restrict the rights of a group, by reducing the amount which that group can transfer, for instance, please alter the existing rules or delete them first.

Step 4: Enter any advanced options

For each signing rule you set, you can also specify the accounts to which it applies:

  • The Originator accounts: these are accounts from which funds may be transferred.
  • Beneficiary accounts: these are accounts to which funds may be transferred.
  • You can also specify that user groups may only perform transactions with a specific reason, such as payment of salaries.

Note: If you wish to specify Beneficiaries, they must first be approved by your bank.

How do I search for a specific transaction?

You can search for transactions in the Search transactions screen. In this screen, you can search through accounts, and download the files you created earlier. You can review search results and save them as a CSV or PDF file.

Step 1: Select an account

In the Search transactions , select the account or accounts you want to search by ticking the box for each account and then click on Next.

If you have a lot of accounts you can use the filter function at the top. Enter the type of account, account number, currency or, for third party accounts, the file name.

The Reset criteria button can be used to remove the criteria you entered.

Step 2: Choose the search criteria

Search for transactions in the account(s) you already selected.

First enter the time period you wish to search.

You can refine the search request by entering a counterparty – for this you could select a stored beneficiary or you can enter an account number. If you are looking for a transactions with a known amount, then you can enter that in the selection menu.

Click on Advanced search to further refine your search with criteria such as Transaction currency, Transaction amount, Debit/Creditor Text search.

You can search for transactions from 18 months in the past up to midnight the previous day.

Click on Search to start your search and display the results on screen.

Step 3: View or export results

In the following screen you will see the results for your search request. You can scroll through the list with the help of the arrow buttons or export the results to a PDF or CSV format file. Once you have selected a format, click on the Download button to download the results.

Step 4: Download exported results

The data that you export can be saved as a CSV or PDF file. You can open, edit or save the files in another program, such as an accounting programme.

You will automatically receive a download request for exported files. For very large files this may take a while. You did not receive an automatic download request? Then go back to Search transactions. Your download requests can be seen at the foot of the screen. As soon as you see the status here change to "Available", you can download it.

Do you want to delete download requests from the list? Click on the menu next to the request and choose Delete.

How do I open a new account?

A contract manager can open new online accounts directly in Easy Banking Business. This requires only a few steps.

Step 1: Select the account type

In the main menu, go to the Accounts and click on Open under New account. You can open a Current Account, a Savings Account or a Term Deposit Account online.

The next screen allows you to refine the type of account you wish to open. For a current account, you can indicate whether you want to open a Current Account or an Investor's Account, for example. You can create one account at a time.

Step 2: Choose the account name

The next screen allows you to name the new account or to accept the name suggested by the bank.

By default, every new account is opened in euros. If you want to modify this, please contact your relationship manager.

If you want to refine which of your users can see the account, we advise you to go to Admin and choose Users once you have opened the account.

Step 3: Your account statements

You will receive your statements for this new account online every week on Saturday by default. The statements will show the transactions from the previous week, until Friday. If you want to change these settings, go to the Accounts overview once you have created this account. Click on the menu next to the new account and select Statements.

Step 4: Sign your application

Your account is ready to be opened. You can still review the details. Click on Sign at the bottom of the screen to place your electronic signature.

Step 5: Set up account visibility

By default, your new account is visible to any user who can see ‘All’ accounts of this type. Do you want a user who can see a ‘Limited list’ of accounts to also view this account? Then go to ‘Admin’ and ‘Products’. Click the menu next to your newly opened account and choose ‘Manage visibility’. In the next screen, you can tick the box in front of users that should be able to view this account.

Note: This electronic signature is binding.

The account will be available in Easy Banking Business as soon as all the necessary signatures have been collected.

Where can I find the rates for new accounts?

You can click on any new account type to see more information about the account. At the bottom of the Open an account page, you will also find a link to a Comparative overview and rates.

What is a term deposit account?

The term deposit account is a flexible savings plan that allows you to choose the currency, amounts and terms of your savings and the type of interest plan, interest and capital repayment. With a term deposit account, you know exactly when you will receive what amount, and you are not charged a management fee.

Where can I download the transactions I already exported?

In the menu go to Accounts and Search transactions. All your download requests are shown in the list at the bottom of the screen. The data that you export can be saved as a CSV or PDF file. You can open, edit or save the files in another program, such as your accounting software.

Do you want to delete download requests from the list? Click on the menu next to the request and choose Delete.

What do the various download request statuses mean?

At the bottom of the Search transactions screen you can see a list of the different download requests that you have made. Use the Refresh button to update your request list.

Download requests can have the following statuses.

  • In progress: your download request has been submitted but the file has not yet been generated.
  • Available: your file is ready to download.
  • Available but incomplete: your file is too large. Refine the search parameters in order to obtain fewer results.
  • Unsuccesful: your download request was unsuccessful. Please try again.

Where can I view my interest amounts?

If you have a savings account, then you can go to the Accounts overview and click on the menu next to the account in question to review your Interest amounts. This provides you with detailed information about the interest and premiums you have earned:

  • a summary of the acquired and/or paid basic interest and of the loyalty bonus and savings premium from the beginning of the current capitalisation period until today;
  • a summary of the loyalty bonuses and savings premiums to be acquired if the balance of your savings account remains unchanged;
  • a summary of the paid interest and premiums during the previous calendar year. This interest and premiums were calculated based on the progress of the balance in your savings account during past capitalisation periods and the progress of the basic interest, loyalty bonus, and savings premium during the same period.

How can I simulate a withdrawal?

If you have a savings account, then you can go to the Accounts overview and click on the menu next to the account in question to simulate a Withdrawal. This allows you to see what the effect will be of withdrawing an amount from your account. Enter the amount and the date of the withdrawal to see what the effect would be on the premiums still to be acquired.

How do I search for a specific third-party account?

The overview Third-party accounts , shows, by default the 50 accounts last opened.

If you wish to search for a specific account, please use the filters at the top of the page. You can filter according to:

  • Account status: is the account still active or has it been closed?
  • Account type: for example, you can search for current accounts or certain accounts connected to your profession
  • Account number
  • File name

Finally, specify whether you wish to apply the filter to the last 50 accounts opened or to all accounts.

Click on Search to run the search, or on Delete criteria

to reset your search criteria.

How do I open a new third-party account?

Are you a notary, lawyer or bailiff and do you already have a third-party account in your contract? In that case, you can open new rubric accounts online. To do so, go to the Third-party accounts overview and click on the hyperlinks at the bottom of the page.

Give your new third-party account a (file) name, and follow the instructions on the screen.

How do I close a third-party account?

Are you a notary, lawyer or bailiff? In that case, you can close an existing rubric account online.

To do so, go to the Third-party accounts overview. Click on the menu next to the account you wish to delete, and then click on Closure request.

What is a rubric account?

If you are a notary and receive funds from third parties, then you must ensure that these funds are classified within thirty days in individual rubric accounts. Neither the funds nor the interest on these funds are part of your own assets.

In Easy Banking Business, you can open one rubric account per file. This new third-party account is available immediately after you create it, and you can find it in your Third-party accounts overview. This ensures that your clients' funds are clearly separated from your own assets.

What can I do with my third-party accounts?

If you have the appropriate authorisations, you can use a third-party account to transfer amounts, create standing orders, search for transactions, etc.

To do so, go to the Third-party accounts overview.

If necessary, use the filters displayed at the top to find the appropriate third-party account. If you click on the menu next to the account in question, you can then:

  • View the History of transactions for that account
  • Search for transactions using various criteria, including the account number of the counterparty, the type of transaction or the amount
  • View Rejected transaction history
  • Execute New transfers and Transfers with a memo date or create Standing orders
  • Upload transfer files from your accounting program, for example
  • View and manage Direct debits, including mandates, collections and blocked items
  • Consult Statements. Would you like to request account statements for an account online or modify the frequency? Simply click on the menu next to the account and choose Statements. Follow the Manage online account statements link.

How do I search for a specific transaction?

You can search for transactions in the Search transactions screen. In this screen, you can search through accounts, and download the files you created earlier. You can review search results and save them as a CSV or PDF file.

Step 1: Select an account

In the Search transactions , select the account or accounts you want to search by ticking the box for each account and then click on Next.

If you have a lot of accounts you can use the filter function at the top. Enter the type of account, account number, currency or, for third party accounts, the file name.

The Reset criteria button can be used to remove the criteria you entered.

Step 2: Choose the search criteria

Search for transactions in the account(s) you already selected.

First enter the time period you wish to search.

You can refine the search request by entering a counterparty – for this you could select a stored beneficiary or you can enter an account number. If you are looking for a transactions with a known amount, then you can enter that in the selection menu.

Click on Advanced search to further refine your search with criteria such as Transaction currency, Transaction amount, Debit/Creditor Text search.

You can search for transactions from 18 months in the past up to midnight the previous day.

Click on Search to start your search and display the results on screen.

Step 3: View or export results

In the following screen you will see the results for your search request. You can scroll through the list with the help of the arrow buttons or export the results to a PDF or CSV format file. Once you have selected a format, click on the Download button to download the results.

Step 4: Download exported results

The data that you export can be saved as a CSV or PDF file. You can open, edit or save the files in another program, such as an accounting programme.

You will automatically receive a download request for exported files. For very large files this may take a while. You did not receive an automatic download request? Then go back to Search transactions. Your download requests can be seen at the foot of the screen. As soon as you see the status here change to "Available", you can download it.

Do you want to delete download requests from the list? Click on the menu next to the request and choose Delete.

How can I consult and print my account statements?

Go to Statements in the Accounts menu. You can now select an account to consult the relevant statements. On the next screen, click on the PDF file you would like to view. If you wish, you can print this file straightaway.

Your account statements remain available for 10 years, and you can consult and print them as often as you want.

Should you wish to consult more statements or view statements for several different accounts, we advise you to use the download option.

How can I download my account statements?

Go to Statements in the Accounts menu. At the bottom of the screen, you can view all the accounts for which you can download statements. Click on the Download button underneath. On the next screen, you can select which messages you want to save in your downloads. Click Confirm to receive your download.

Bear in mind that you cannot download the statements immediately. First, a ZIP file will be created containing all the statements you have requested. This can take a while, depending on the number of statements and their size. You will find the file in the Statements menu, under Download Requests.

Useful information: When new statements are available, an icon will appear in the Not Yet Downloaded column. This icon will disappear as soon as you have downloaded the account statements.

Remember: these actions are only possible for accounts for which you have already requested online account statements. Any other accounts you may have are therefore not shown in this list.

How can I request online statements?

Go to Statements in the Accounts menu. On the next screen, click on Manage Online Statements.

Select the desired account(s) in Accounts Without Online Statements, at the top of the screen. If you have several accounts you can use the filter function. If you want to select all accounts at once, check Select All. Click on Activate Online Statements and confirm your choice.

You can modify the frequency of your statements by clicking Manage on the next screen or by going back to the Manage Online Statements screen.

Important: These online statements replace the statements that you receive by post or print yourself at the self-service machine. Remember that you cannot undo the switch to electronic account statements yourself. Online statements are available free of charge for a 10-year period as from 1 January 2012.

How can I modify the frequency of my online account statements?

Go to Statements in the Accounts menu. On the next screen, click on Manage Online Statements.

At the bottom of the screen you will see the accounts for which you have already requested online account statements. Select the accounts you would like to change and click on Change Frequency.

On the next screen, select the frequency and date of the statements for these accounts.

How can I consult and print account statements for third party accounts?

Go to Third Party Account Statements in the Accounts menu. You can now select an account to consult the relevant statements. On the next screen, click on the PDF file you would like to view. If you wish, you can print this file straightaway.

Your account statements remain available for 10 years, and you can consult and print them as often as you want.

Should you wish to consult more statements or view statements for several different accounts, we advise you to use the download option.

How can I download account statements for third party accounts?

Go to Third Party Account Statements in the Accounts menu. At the bottom of the screen, you can view all the accounts for which you can download statements. Click on the Download button underneath. On the next screen, you can select which messages you want to save in your downloads. Click Confirm to receive your download.

Bear in mind that you cannot download the statements immediately. First, a ZIP file will be created containing all the statements you have requested. This can take a while, depending on the number of statements and their size. You will find the file in the Third Party Account Statements menu, under Download Requests.

Useful information: When new statements are available, an icon will appear in the Not Yet Downloaded column. This icon will disappear as soon as you have downloaded the account statements.

Remember: these actions are only possible for accounts for which you have already requested online account statements. Any other accounts you may have are therefore not shown in this list.

How can I request online statements?

Click on Accounts in the menu and select Third Party Account Statements. On the next screen, click on Manage Online Statements - Third Party Accounts.

Select the desired account(s) in Accounts Without Online Statements, at the top of the screen. If you have several accounts you can use the filter function. If you want to select all accounts at once, check Select All. Click on Activate Online Statements and confirm your choice.

You can modify the frequency of your statements by clicking Manage on the next screen or by going back to the Manage Online Statements - Third Party Accounts screen.

Important: These online statements replace the statements that you receive by post or print yourself at the self-service machine. Remember that you cannot undo the switch to electronic account statements yourself. Online statements are available free of charge for a 10-year period as from 1 January 2012.

How can I modify the frequency of my online statements for third party accounts?

Click on Accounts in the menu and select Third Party Account Statements. On the next screen, click on Manage Online Statements - Third Party Accounts.

At the bottom of the screen you will see the accounts for which you have already requested online account statements. Select the accounts you would like to change and click on Change Frequency.

On the next screen, select the frequency and date of the statements for these accounts.

How do I download my electronic reports?

To download electronic reports, go to Accounts in the menu and click on Reporting in the column History. Here you will find the available downloads.

If you have many files to download, you can refine your search using the filter at the top.

Tick the files you want to download, and select whether you want to download them individually or together in one file. Bear in mind that the maximum limit for your files is 10MB for CODA or 50MB for XML.

Note: The summary is limited to a maximum of 1,500 for CODA files and to files generated during the last 14 (business) days only. If you want to find other CODA reporting files (older files, for example) or want to refine the overview, click on Search for a CODA file.

What is CODA reporting?

CODA, or codified account statement, is an electronic file containing the data of your account statements and their appendices. All movements on your account are displayed in a structured form using its own codification, allowing your IT system to recognise them and assign them to your accounting department. Only executed transactions will be displayed on your CODA statements. Transactions that have not yet been carried out will not appear. In Easy Banking Business you receive a CODA report every working day (including Saturday).

You can also request individual reports, such as unpaid direct debits.

In Easy Banking Business, a contract manager can activate CODA reporting online for all accounts in the contract. Please be aware that this may incur costs.

What is XML reporting (CAMT053)?

The XML CAMT053, or end-of-day account statement, is an international format for electronic files containing the details of your account statements and their annexes.

All movements on your account (purely financial transactions as well as payments and collections) are shown in a structured form, allowing any IT system adapted to XML format to recognise it and assign it in your accounting department. You can choose to receive your report in Febelfin or CGI format, depending on the needs of your accounting system.

Please call the helpdesk to activate XML reporting for an account in your contract. Please be aware that this may incur costs.

How do I activate reporting for an account?

In Easy Banking Business, a contract manager can activate CODA reporting online for all accounts in the contract. Please be aware that this may incur costs.

To activate reporting as a contract manager, go to Admin and then select Electronic reporting.

Here you can view the settings for the accounts in your contract by clicking on Details (or opening the menu and choosing Details) next to the account in question. To activate reporting for a new account, click on Add account at the bottom of the screen.

If you have third-party accounts, you can adjust reporting for these in the Third-party accounts tab. You can find the third-party account in the list or enter the account number or file name in the Search field at the top. The Reset criteria button removes the search data entered.

Note: The activation of electronic reporting in your Easy Banking Business contract is separate from the other channels, such as Isabel. If electronic reporting has already been activated for a specific account in an Isabel contract, for instance, it will not automatically be activated in your Easy Banking Business contract as well.

How do I adapt the reporting for an account?

In Easy Banking Business, a contract manager can activate and adapt the CODA reporting for accounts in the contract. Please be aware that this may incur costs.

As a contract manager, you should go to Admin and then select Electronic reporting. Click on the menunext to the account you wish to change and choose Modify. At the bottom, select whether or not you want to receive a report if there have been no transactions on the account.

Note: Call the helpdesk to turn off CODA reporting for an account, for advanced options or to request partial reporting or enable reporting in XML format.

What is MT940 reporting?

The MT940 or SWIFT format allow you to export a list of your financial transactions to use in your accounting software. MT940 reporting is only available for accounts in Isabel contracts.

Can I search for a specific reporting file?

You can search for specific files using the search function for CODA and XML reporting files. To do this, go to Accounts in the menu, and click on Reporting in the column History. You will find a link to Search for a CODA or XML file at the bottom of the page.

Select the type of file you want to search and enter the details of your search in the following screen.

Where can I download the transactions I already exported?

In the menu go to Accounts and Search transactions. All your download requests are shown in the list at the bottom of the screen. The data that you export can be saved as a CSV or PDF file. You can open, edit or save the files in another program, such as your accounting software.

Do you want to delete download requests from the list? Click on the menu next to the request and choose Delete.

What do the various download request statuses mean?

At the bottom of the Search transactions screen you can see a list of the different download requests that you have made. Use the Refresh button to update your request list.

Download requests can have the following statuses.

  • In progress: your download request has been submitted but the file has not yet been generated.
  • Available: your file is ready to download.
  • Available but incomplete: your file is too large. Refine the search parameters in order to obtain fewer results.
  • Unsuccesful: your download request was unsuccessful. Please try again.

How do I search for a specific transaction?

You can search for transactions in the Search transactions screen. In this screen, you can search through accounts, and download the files you created earlier. You can review search results and save them as a CSV or PDF file.

Step 1: Select an account

In the Search transactions , select the account or accounts you want to search by ticking the box for each account and then click on Next.

If you have a lot of accounts you can use the filter function at the top. Enter the type of account, account number, currency or, for third party accounts, the file name.

The Reset criteria button can be used to remove the criteria you entered.

Step 2: Choose the search criteria

Search for transactions in the account(s) you already selected.

First enter the time period you wish to search.

You can refine the search request by entering a counterparty – for this you could select a stored beneficiary or you can enter an account number. If you are looking for a transactions with a known amount, then you can enter that in the selection menu.

Click on Advanced search to further refine your search with criteria such as Transaction currency, Transaction amount, Debit/Creditor Text search.

You can search for transactions from 18 months in the past up to midnight the previous day.

Click on Search to start your search and display the results on screen.

Step 3: View or export results

In the following screen you will see the results for your search request. You can scroll through the list with the help of the arrow buttons or export the results to a PDF or CSV format file. Once you have selected a format, click on the Download button to download the results.

Step 4: Download exported results

The data that you export can be saved as a CSV or PDF file. You can open, edit or save the files in another program, such as an accounting programme.

You will automatically receive a download request for exported files. For very large files this may take a while. You did not receive an automatic download request? Then go back to Search transactions. Your download requests can be seen at the foot of the screen. As soon as you see the status here change to "Available", you can download it.

Do you want to delete download requests from the list? Click on the menu next to the request and choose Delete.

How do I create a new transfer?

In the menu, go to Payments and select New transfer.

There, you can enter the amount and the beneficiary/beneficiaries.

What do urgent payments cost?

The latest version of our rates is available here

When will the beneficiary receive my payment?

By default, your payment is transferred to the beneficiary's bank the next working day. If you want to enter a deferred payment, you can use the Execution date field. The beneficiary's bank will then receive your payment within two days of the execution date.

If you want the payment to be made the same day, tick the Yes box next to Urgent payment. This may be subject to a charge.

Which account numbers can I use?

You can perform European and international payments in Easy Banking Business. You do not need to enter your beneficiaries' BIC. Easy Banking Business determines the BIC automatically based on the IBAN you enter.

If you only have an old BBAN for your beneficiary, you can enter it under BBAN together with the beneficiary's address details. Easy Banking Business will automatically convert it to the corresponding IBAN.

Where can I find my saved transfers?

To open, edit or sign confirmed, but unsigned transfers, go to Sign transactions in the left column. Click on the menu next to the transfer to sign or reject it.

Which files can I upload?

This function allows you to upload transfer files from your financial software to your online banking platform. The following formats are supported:

  • CIRI-FBF 128
  • XML-Formats PAIN.001.001.02 and PAIN.001.001.03.

You can upload files up to 10 MB in size.

How long will an imported file remain available?

An imported file will remain available for up to thirty days. During this period, you can confirm or sign off a file, depending on your user rights. Files that have not been signed off or rejected after thirty days will be deleted automatically.

What is a standing order?

A standing order is used to automatically transfer a recurring fixed amount (such as commercial rent, an instalment, a transfer to your savings account, etc.) on a fixed date.

Note: This is not same as a direct debit. With a direct debit, you ask a supplier to send invoices directly to the bank and the bank then pays them.

How do I create a new standing order?

Users with transfer rights can also create standing orders.

Go to Standing order in the Accounts menu. Click on the New standing order button at the bottom.

Step 1: Enter the relevant parties

Select the account from which you wish to make the transfer and indicate the beneficiary.

You can create a standing order to one of your own accounts, to a saved beneficiary or to a newly created beneficiary. To create a new beneficiary, enter the IBAN and name.

Step 2: Complete the details

The following screen allows you to enter the amount and select how often and when the standing order is executed.

You can also indicate whether you want a debit advice for the order and whether you wish to add a message.

Fill in all the fields and click on Next to complete your order.

Step 3: Confirm or sign a new standing order

Depending on your user rights, you can sign or confirm the new standing order. In the latter case, the standing order will be sent to other users for their signature.

How can I stop or modify a standing order?

Users with the relevant rights can modify standing orders. Go to Standing order in the Accounts menu. Click on the menu next to the standing order in question and select Delete to stop the order.

If you want to modify the standing order, click on the menu and choose Modify. You can modify settings such as the amount and the structured message here.

Why do I need an additional signature for this transaction?

Each user of Easy Banking Business is assigned rights by the contract manager. For example, users with a limited profile can sign off transfers alone up to a certain amount, but need an additional signature for larger amounts.

Can I still change or cancel a transaction?

Users with the right profile can modify a transfer that was created and confirmed, before signing it. To do this, go to Sign transactions and click on the menu next to the payment in question. Choose Modify to make your changes.

How do I create a bulk transfer?

To create a transfer with multiple beneficiaries, go to Payments in the main menu and select New transfer. Indicate that you wish to add multiple beneficiaries.

Step 1: Enter the shared details

Enter your transfer. All information in the first screen is optional. Enter whether the user want to use a global debit and, if necessary, enter a default amount, an execution date and a default message. The user can also provide a debit reference and a reason for payment. Indicate whether it is an urgent payment and who is responsible for paying international transfer charges.

Click on Add beneficiaries to continue.

Step 2: Add the beneficiaries

On the next screen the user can add beneficiaries to the transfer. At the top the user can see the details you have just entered. Below you will see various options for adding beneficiaries. The user can add up to 500 beneficiaries to a bulk transfer.

  • Beneficiary list (default selection): Select a group of beneficiaries that has previously been created within the contract.
  • One of my own accounts: The user can select one of their own accounts as a beneficiary.
  • A saved beneficiary: This option offers the user the possibility to select one of their saved beneficiaries.
  • A new beneficiary: The user can add a new beneficiary using this feature. After you have added the beneficiary, the user can save it immediately.

Click on Next to go to the next screen. The user can add extra beneficiaries later.

Step 3: Enter the details for the selected beneficiaries

For each beneficiary the user have just added, please enter an amount (unless you selected a default amount in the first screen). The user can also provide a message.

There are three types of messages:

  • Free text: This is an unstructured message. The user are free to determine the text.
  • Belgian structured message: A standard Belgian structured message can be entered in this field. The following structure must be respected: +++XXX/XXXX/XXXXX+++.
  • European structured message 25 characters long, with the letters "RF" at the beginning. After the letters are two check digits, which confirm that the reference will be entered correctly. The remaining part of the creditor reference (up to 21 alphanumeric characters) is the reference. The content of the creditor reference can be determined without any restrictions. For example: RF 18 5390 0754 7034 (in this example, the check digits are "18").

Note: When there are more than 20 beneficiaries, they will be displayed on several pages. The user can navigate between pages via the navigation buttons or list box. When the user change pages, the data on the previous page is saved.

Once the user have completed the information, the user can go to the overview screen by clicking on Bulk overview.

Select Add new beneficiary to add extra beneficiaries to their bulk transfer. The user will return to the screen in Step 2. The user can repeat the steps until all your beneficiaries are added.

Step 4: Complete your transfer

The user can review the details of your bulk transfer in the Overview. Here the user can change bulk details, add new beneficiaries or customise the information for each previously added beneficiary. The user can also delete one or more beneficiaries from the bulk transfer.

When thier transfer is ready the user can Save as draft, Confirm or, if the user have the rights to, Sign.

  • Bulk transfers that the user save as a draft can be found by going to Payments in the main menu and clicking on Bulk transfers.
  • • Bulk transfers that the user have confirmed are ready to be signed in Sign transactions.
  • • Bulk transfers are sent to the beneficiaries once all the required signatures have been collected.

How do I view my rejected transactions?

With Easy Banking Business, you can view the history of your rejected transactions in the overview without having to wait for your account statements. To do this, go to Payments in the main menu and select Rejected payments.

Rejected transactions will remain visible on this page for 6 months for all your accounts, while the date of the last rejected transaction will be shown in red on the screen Your accounts for 1 month.

A transaction may be rejected due to:

  • insufficient funds (in this case the transaction is presented several times before it is rejected);
  • opposition on the account.

If one of your transactions is rejected, you must enter it again if you want it to be executed.

How do I import a transfer file?

In the main menu, go to Payments and select Import. With this function you can upload transfer files, depending on your user rights.

Step 1: Select your transfer file

Select Import new file and click on Browse on the next screen. Navigate to the file on your computer and confirm your choice to upload it. Once uploaded, Easy Banking Business will check the XML format and review whether it complies with the rules. Depending on the file size, this might take up to 1 minute.

Note: With Easy Banking Business you can upload a maximum of 10 MB of XML files. You can upload files that comply with the following two standard XML formats:

  1. PAIN.001.001.02
  2. PAIN.001.001.03

Step 2: Check your transfer file

Once the upload is confirmed, you will return to the overview screen. Wait until your file has been processed. An imported file remains available for a maximum of 30 days. During this period, you can confirm or sign off a file, depending on your user rights. Files not treated after 30 days are automatically deleted.

A file can have four possible statuses:

  • In progress: The file is currently being validated. Once the validation has been completed, the status of the file will be updated (visible upon refresh of screen).
  • To be sent : The file is 100% correctly validated and ready for further treatment.
  • Partially rejected : The file contains incorrect transactions but is acceptable for the bank. As rejected transactions are not executed, you can still opt to send the file for execution.
  • Rejected :A rejected file cannot be sent for execution.

Click on the menu next to a transfer file and select Details to view more information.

This screen consists of two parts. At the top you can see the general details of the imported transfer file. Below are the details of the lists of bulk transfers. You can search for bulk transfers based on different criteria. Use the various filters for this. You can search by Principal, Execution date, File, Currency and Status. Click on Go to begin this search. Click on Clear to remove the filters.

Step 3: Send your transfer file

Depending on your user rights, you can Confirm or Sign a validated transfer file. Bulk transfers that you have confirmed are ready to be signed in Sign transactions. Bulk transfers are sent to the beneficiaries once all the required signatures have been collected.

Can I still consult my uploaded transfer files?

To do this, click on Details in the menu next to an uploaded transfer file.

This screen consists of two parts.

At the top you can see the general details of the imported transfer file.

Below are the details of the lists of bulk transfers.

You can search for bulk transfers based on different criteria. Use the various filters for this. You can search by Principal, Execution date, File, Currency and Status. Click on Go to begin this search. Click on Clear to remove the filters.

What does the status of my uploaded transfer file mean?

A file can have four possible statuses:

  • In progress: The file is currently being validated. Once the validation has been completed, the status of the file will be updated (visible upon refresh of screen).
  • To be sent : The file is 100% correctly validated and ready for further treatment.
  • Partially rejected : The file contains incorrect transactions but is acceptable for the bank. As rejected transactions are not executed, you can still opt to send the file for execution.
  • Rejected :A rejected file cannot be sent for execution.

What is Zoomit?

Zoomit allows you to view and pay your invoices, bills, and payslips electronically.

Please note: If you wish to use Zoomit, then you must agree beforehand, for every sender, that the sender can send invoices via Zoomit. You can do so by clicking on the name of the sender in the Zoomit screen. Go to Payments in the menu and select Zoomit there.

If you are using Zoomit for the first time, it may take a few moments before you can pay your invoices. To shorten this waiting time, you could log out and immediately log back on to Easy Banking Business.

How do I manage my documents with Zoomit?

In the menu, go to Payments and Zoomit to find an overview of all your Zoomit documents.

The overview consists of three tab sheets:

  • Bills to be paid: all bills that still need to be paid.
  • New senders: senders submitting bills via Zoomit that you have not yet accepted.
  • Documents: all bills, invoices and other documents that you have paid or have marked as paid.

As soon as a bill has been paid via Zoomit, you will find it listed on the tab sheet Documents. Direct debits are automatically added to this tab as soon as you have accepted their remittance by the sender. The same applies for payslips.

How do I pay a bill via Zoomit?

Go to the Zoomit screen by selecting Zoomit in the Payments menu.

  1. In the menu to the right of the bill, select the option Payment.
  2. You will be presented with a prefilled transfer form that you can complete as usual.

Please note: If you wish to use Zoomit, then you must agree beforehand, for every sender, that the sender can send invoices via Zoomit. You can do so by clicking on the name of the sender in the Zoomit screen. Go to Payments in the menu and select Zoomit there.

If you are using Zoomit for the first time, it may take a few moments before you can pay your invoices. To shorten this waiting time, you could log out and immediately log back on to Easy Banking Business.

A bill that I have already paid is still being displayed in Zoomit

Did you pay a bill using a different method than Zoomit, or is it still being displayed under New invoices?

  1. In the menu to the right of the bill, select the option Mark as paid. The bill details will be displayed.
  2. Click on Confirm. Your invoice will be listed under Documents with the status Paid elsewhere.

Please note:

  • This confirmation does not affect the effective payment of the invoice.
  • This confirmation is not forwarded to the sender.

Who to contact if you have any further questions?

Would you like more information concerning the details listed in the documents sent via Zoomit? Then contact the company that has prepared the documents.

How can I add a new beneficiary?

To make your transfers simpler, you can create a list of domestic and international beneficiaries. These beneficiaries can be entered manually or uploaded from a file.

To do this, go to Payments in the menu and choose Beneficiaries in the column Transfers.

Manual entry

Click New beneficiary in this screen and fill in the details. Remember that you have to enter the account number (IBAN), the name and the country.

You can enter an individual, recurring message for each beneficiary. This will appear automatically on every transaction sent to this beneficiary. In addition, you can add a personal comment, which will only be seen on the beneficiary's inquiry screen.

To add the new beneficiary to a group immediately, select the group to which you want to add him or her. Using the > arrow you can transfer a group from the left of the screen to the right of the screen.

As soon as you confirm the data using the Confirm button the new beneficiary will appear in the list.

Upload beneficiaries

Click on the Upload button at the bottom of the screen and import your file.

Please note: only files in XML format will be accepted. Files also need to be smaller than 3 MB.

How can I delete a beneficiary?

To do this, go to Payments in the menu and choose Beneficiaries in the column Transfers.

Click onthe menu next to the beneficiary involved and choose Delete. Click on the Confirm button. The beneficiary will be removed from the list.

How can I edit a beneficiary?

To do this, go to Payments in the menu and choose Beneficiaries in the column Transfers.

Click onthe menu next to the beneficiary involved and choose Edit. On the editing screen you will be shown all the stored details. You can edit any field.

How can I edit a group of beneficiaries?

To do this, go to Payments in the menu and choose Beneficiaries in the column Transfers.

Further down the page, click the button Manage Groups. You can create a group of beneficiaries using the New group button. In the next screen, tick the beneficiaries you want to add to the group and then click Add to group. Enter a name for the group and go to the following screen to confirm.

If you want to edit a group, click on the menu next to the group involved and choose Modify. You can now remove beneficiaries from the group by ticking them under Selected beneficiaries in this group and clicking on Delete selected. To add new beneficiaries to the group, click on them under Available beneficiaries then click on Add to group.

How do European or SEPA direct debits work?

By using SEPA direct debits, creditors in Belgium and the rest of Europe can send one-off or regular invoices to customers. The payment is made automatically, provided the consent of the person or company making the payment.

Paying by direct debit

If you use direct debits for making payments (if you are the debtor), your supplier carries out all the necessary steps. For B2B direct debits (Business-to-Business direct debits), you need to sign a mandate. You can manage your mandates by going to the Payments menu and clicking on Direct debits overview. Click on List of your mandates at the bottom of the screen.

Collecting direct debits

You can view and manage all your requests for payment in Easy Banking Business. You can check whether the direct debits have been sent and whether any information required for further action is missing. You can also request the details of group collection requests. Moreover, you can also rescind group collection requests or make repayments, if required.

To do this, go to Payments in the menu and select Collections overview.

What are the statuses of a direct debit for debtors in Easy Banking Business?

In the Direct debits overview screen, you can view the different SEPA direct debits for the accounts in your contract. These are grouped by status.

Collections presented for payment

These are requests for payment your creditor has sent to your bank but which have not yet been debited from your account.

These payment requests are displayed in the list with the earliest appearing 14 days before the actual payment date and the latest:

  • 1 day before payment is due.

You can reject the execution of these requests presented for payment. In such cases the request for payment will be preceded by a red warning in which you will be informed that due account has been taken of your request for reimbursement.

Collections that have been executed

These are direct debits which have already been debited from your account or for which you have been reimbursed.

They will appear on the list for a period of eight weeks.

You can request repayment of the presented payments up to eight weeks after the execution date. In such cases the request for payment will be preceded by a red warning in which you will be informed that due account has been taken of your request for reimbursement. The debited amount will then be credited.

Collections that have not been executed

These are transactions that have not been debited from your account because you have refused them.

They appear on the list for four weeks.

Can I refuse payment of a direct debit?

If you do not agree with the SEPA direct debit, you can refuse to make the payment as long as the direct debit appears in the Presented requests section of your Overview of direct debits.

To do this click on Overview of direct debits under Payments. Select the account to which the direct debit is linked and then click on Go. Select Reject in the menu next to the presented request for payment. You then need to confirm this with your electronic signature in the following screen.

Can I request a direct debit to be refunded?

If you do not agree with the SEPA direct debit, you can request a refund up to eight weeks after the payment has been debited from your account.

To do this click on Overview of direct debits under Payments. Select the account to which the direct debit is linked and then click on Go. Select Request refund in the menu next to the presented request for payment. You then need to confirm this with your electronic signature in the following screen.

What is a mandate?

With a SEPA direct debit, you give a creditor permission (a mandate) to send one or more collection requests to your bank from their own bank. Your bank then executes the payment(s) without you needing to do anything.

You can find all your active mandates in the SEPA direct debits screen. To do this, go to Payments and select Manage mandates under Direct debits. Click on List of mandates at the bottom of the screen.

Where can I manage my B2B mandates for SEPA direct debits?

To do this go to Payments and select Manage mandates under Direct debits. In this screen you can search for and view your mandates for all your accounts.

If you want to block or unblock a mandate, click on Manage account permissions. at the bottom of the screen.

If you want to confirm a mandate, click on List of your mandates below.

How do I change or block a mandate?

You can change a series of details linked to your mandates for SEPA direct debits in Easy Banking Business. These details include the description of the mandate and the maximum amount of the payment request. You can, of course, create new mandates.

To do this, go to Payments and select Manage mandates under Direct debits. Click on List of your mandates at the bottom of the screen.

Changing a direct debit

Click on the menu next to the mandate in the list of Your mandates and select Change. You can set the maximum amount of the direct debit and the frequency of the payment. Confirm your changes.

Blocking or unblocking a direct debit

Click on the menu next to the mandate in the list of Your mandates and select Block/Unblock. Confirm your changes in the following screen.

How do I block a direct debit?

You can block or restrict access to your accounts to ensure that some or all SEPA direct debits cannot be executed. If you suspend payment of a direct debit, this can be lifted at any time.

To do this go to Payments and select Manage authorisations under Direct debits. You can block direct debits by the type of payment request or using certain information relating to the creditor.

Type

You can grant permissions for your account for the following types of payment requests.

  • All future collections
  • All B2B collections
  • All initial or one-off collections

Characteristics

You can also block your accounts by defining the creditor using:

  • the creditor's identification (creditor's specific number);
  • the creditor's account number; or
  • the creditor's country.

Every SEPA direct debit collection which is blocked will show as "Presented for payment" on the screen displaying the overview of collections, but will be preceded by a blue warning sign which indicates that this collection will be rejected on the due date as it is blocked.

What is SEPA?

The Single Euro Payments Area, or SEPA, is an area where means of payment are harmonised to make payment easier. SEPA comprises the EU Member States, Iceland, Liechtenstein, Norway, San Marino, Switzerland and Monaco. All payments with cards, transfers and direct debits within this area are considered internal payments. There is therefore no distinction made between these countries.

Payments made within SEPA take place in euros, even in those countries with a different currency (for example Norway).

What are the statuses of a collection in Easy Banking Business?

In the Collections overview screen, you will see the different SEPA direct debits for the accounts in your contract. These are grouped by status.

Groups of collections presented for payment

These are collections that you sent to your bank but which have not yet been credited to your account.

You can revoke a collection until midnight at the latest on the day preceding the execution date. In that case, it will no longer be processed (not debited to the debtor nor credited to the creditor) and will end up in the non-executed collections.

Executed collection groups

These are the direct debits that have already been credited to the account of the creditor or the collections that you have already repaid to the debtors.

You can refund collections here within 2 working days after the collection execution date.

Non-executed collection groups

These are the collections that have not yet been credited to your account on the execution date. This can be the case if you have revoked a collection or if the bank or the debtor refuses it.

You can revoke a collection until midnight on the day preceding the execution date.

As a creditor, how can I import collections?

In the main Payments menu, go to Collections and select Import. Here you will find a list files you have already imported. Below, select Import new file.

Please note: the files with collections should be in XML format (pain.008) and may not exceed 3 MB in size.

As a creditor, how do I send imported collections?

After you have imported a file, you must define which groups of collections you wish to send.

To do so, go to Send in the Payments menu.

Please take the following timeframes into account.

  • Every first or one-off B2C collection: to be sent no later than 1 day before the execution date
  • every recurring B2C collection: to be sent no later than 1 day before the execution date
  • every B2B collection: to be sent no later than 1 day before the execution date

Your SDD creditor contract contains a standard statement to the effect that, if you send your collections groups after the deadlines mentioned above, the execution date will automatically be corrected.

As a creditor, how do I create a new mandate?

In the main Payments menu, go to Collections and select Manage debtors. Here you can manage groups of mandates, modify or delete existing mandates, or create a new mandate.

As a creditor, where can I manage my mandates or groups of mandates?

In the main Payments menu, go to Collections and select Manage debtors. Here you can manage groups of mandates, modify or delete existing mandates, or create a new mandate.

Modifying or deleting debtors

Click on the menu next to a mandate and select Change to modify it, Details to view it, or Delete to remove it from your contract.

Viewing groups of debtors

At the bottom of the mandate overview screen, click on Manage groups to view your groups of mandates. Click on the menu next to a group and select Details to view more information about the group. Here, you can also Change or Delete groups.

Creating groups of debtors

At the bottom of the Manage groups of mandates screen, click on the button Create a group. In the following screen, you can enter the details of the group. Click on Confirm to return to the Manage groups of mandates screen. Here, click on the menu next to the new group and select Change to add mandates to the group.

How do I create a new collection or group of collections as creditor?

You can create a collections group online based on the mandates that you can view in the list Manage debtors. In the main menu, go to Payments and click on Create in the Collections column. In this screen, you can create new collections or a collections group.

Step 1: Enter any additional general details of your collection.

Enter an execution date and reference for the new collections group. Here, you also select the type of mandate and type of group (one-off or recurring). Then, indicate whether this involves a series of collections to B2C or B2B debtors. Please take into account that B2B debtors must approve your mandate first.

You can choose to enter a standard amount or standard message for all the collections in this group. Press Next to continue.

Step 2: Enter mandates for the collection.

In the next screen, enter the mandates of your debtors. You can do this in two ways:

  • via 'Search': add one or more mandates individually in accordance with your own search criteria.
  • via a group of mandates: add one or more groups of mandates.

Enter an amount for each debtor and, if necessary, a message.

Click on Confirm to complete your collection or group of collections.

Tip: do you often have to submit the same collections? Then we suggest you work with fixed mandate groups.

Step 3: Send your collections groups.

Your new collections group can be found in the following screen: the overview of collections to be sent.

Would you like to still change something? In the menu next to the group in question, click on Change or on Delete if necessary.

To send your groups of collections, check them in the list and, at the bottom of our screen, click the button Send selected groups of collections.

As a creditor, how can I search for a collection?

Go to Payments in the main menu and select Search under Collections. Here, you can search using criteria such as the reference of the collection or the account of the debtor or the execution date.

Click below on Search to see an overview of the collections that satisfy your search criteria.

What is the difference between B2B and B2C mandates?

  • B2B mandates or Business to Business direct debits are used between two companies. In this case, the debtor must sign the mandate before collections can be sent.
  • B2C mandates or Business to Customer direct debits can be used between companies and their customers. In this case, the debtor does not need to sign anything but can request repayment of the collections submitted until eight weeks after the execution date

What is a mandate?

With a SEPA direct debit, you give a creditor permission (a mandate) to send one or more collection requests to your bank from their own bank. Your bank then executes the payment(s) without you needing to do anything.

You can find all your active mandates in the SEPA direct debits screen. To do this, go to Payments and select Manage mandates under Direct debits. Click on List of mandates at the bottom of the screen.

How do European or SEPA direct debits work?

By using SEPA direct debits, creditors in Belgium and the rest of Europe can send one-off or regular invoices to customers. The payment is made automatically, provided the consent of the person or company making the payment.

Paying by direct debit

If you use direct debits for making payments (if you are the debtor), your supplier carries out all the necessary steps. For B2B direct debits (Business-to-Business direct debits), you need to sign a mandate. You can manage your mandates by going to the Payments menu and clicking on Direct debits overview. Click on List of your mandates at the bottom of the screen.

Collecting direct debits

You can view and manage all your requests for payment in Easy Banking Business. You can check whether the direct debits have been sent and whether any information required for further action is missing. You can also request the details of group collection requests. Moreover, you can also rescind group collection requests or make repayments, if required.

To do this, go to Payments in the menu and select Collections overview.

What is SEPA?

The Single Euro Payments Area, or SEPA, is an area where means of payment are harmonised to make payment easier. SEPA comprises the EU Member States, Iceland, Liechtenstein, Norway, San Marino, Switzerland and Monaco. All payments with cards, transfers and direct debits within this area are considered internal payments. There is therefore no distinction made between these countries.

Payments made within SEPA take place in euros, even in those countries with a different currency (for example Norway).

Which cards can I see in the cards overview?

The Cards overview page shows all cards that a user is allowed to view according to his/her user access rights.

The following cards are listed in the overview:

  • Credit cards
  • Bank cards
  • Cash deposit cards
  • Access cards

Total Petrol Cards and Business Prepaid Cards are not listed in Easy Banking Business. You can consult the Business Prepaid Cards via a separate online user account for the card manager: https://services.buyway.be/prepaidsolution/bnp.

A contract manager can adapt which of the listed cards the different users are allowed to view (either their own, or all cards in the contract) via Admin.

Can I replace or order a card?

Credit cards, bank cards, cash deposit cards or access cards can be replaced or ordered via your branch, your relationship manager or the Electronic Banking Center (02 762 60 00).

Where can I check the transactions processed with a certain card?

  • Credit cards
    By clicking ‘View transactions’ in the menu next to a credit card in the cards overview, the history of transactions of the last 18 months can be consulted.
  • Via the ‘Search transactions’ page you can also search for specific transactions during the last 18 months.
  • Bank cards
    Transactions on your bank card are shown in the overview for the account attached to it. Go to Accounts -> Accounts overview and click on an account to check the history of your transactions on it.
  • You can also look up transactions by choosing Search and export transactions in the Accounts menu.
  • Cash deposit cards
    Deposits made with your cash deposit card are shown in the overview of the account attached to it. Go to Accounts -> Accounts overview and click on an account to check the history of your cash deposits on it.
  • Via the ‘Search transactions’ page in ‘Cards’ you can search for specific cash deposits during the last 18 months.

Which transactions can I search for in ‘Cards’?

You can search for transactions that were carried out using the credit cards or cash deposit cards you have access to.

You can search for transactions up to 18 months in the past. To refine your search, indicate the type of transaction or the card you wish to view. For credit card transactions, you can also specify a transaction, currency or merchant by typing in (part of) their name.

Please note that you will always need to specify a timeframe for your search.

How do I download a list of my transactions?

You can download a list of transactions to your own specifications in the Search Transactions screen. Specify a search and click the Download button.

Instead of showing your search results on the screen, the platform will now generate a downloadable CSV file (can be opened in Microsoft Excel). You can follow the progress on your different download requests in the list under Download requests. Use the Refresh button to update the list.

Can I change the limits or services on my card?

To make changes to your debit cards, such as name changes, updated spending limits or cash withdrawal services, please contact your branch, your relationship manager or the Electronic Banking Center (02 762 60 00).

For credit cards the limit can be changed via the ‘change limit’ feature in the menu next to the respective credit card. Cash withdrawal can’t be blocked on the credit cards by contacting your branch, relationship manager or the electronic banking center.

What does the status of my credit application mean?

In the Credits summary, you can see the progress of your credit application.

  • Pending validation: Your credit application is currently being examined by your bank. Once it has been validated, you can electronically sign it here to finalise your application.
  • Awaiting signature: Credit applications must be signed electronically before you can activate them. One or more signatures are still required for your credit application. Click on the menu next to the credit applications and choose Sign to electronically sign them. Please note: only users with the appropriate privileges can sign a credit application. Click on the menu and then Details to view your credit application. You can also cancel an application by clicking on the same menu.

Where do I find the repayment table for my credit?

Click on the menu next to one of your loans in the Credits summary and select Repayment table, or go to the details of your loan via Details and click on the Repayment schedule at the bottom of the screen.

Where can I find my tax certificates?

You can download your tax certificate in PDF format from the details screen of eligible credits. For example, go to the details of your mortgage in the Credits summary by clicking on the menu next to the credit in question and choosingDetails. In the next screen, press the Tax certificates (PDF) button to download your tax certificate.

Can I cancel a credit application?

You can cancel your credit application if you have not finalised it and you have not signed it. Open the Credits overview and click on the menu next to the credit application you wish to delete. Select Cancel.

Where do I find a complete list of my bank guarantees?

Click on Bank guarantees in the Credits menu to view a summary of your various bank guarantees.

Here, you can also search for specific types of bank guarantee, status, or data. Certain bank guarantees and types of bank guarantee are shown in the search function. You must perform the search again to view all the bank guarantee types available. To do so, click on Reset criteria and then on Search.

How do I create a bank guarantee?

Bank guarantees are always linked to a credit line. If you would like to apply for a credit line, we advise you to contact your relationship manager.

To start, click on the Initiate in the Credits > Bank guarantees menu.

If you are already using a similar bank guarantee, click on the menu button, next to the bank guarantee in question, and select Reuse. This allows you to start with the data entered in the existing bank guarantee and you can then proceed to customise it.

You have to complete three steps to create a bank guarantee application:

Step 1: Select your bank guarantee

Select the bank guarantee you would like to apply for. If you know which bank guarantee you wish to use, type the name of the guarantee in the search box. You can also call up a list of all bank guarantees within a certain category. For example, you can view the most popular bank guarantees or search the list for a bank guarantee that suits you best.

Click on Next when you have selected a bank guarantee.

Step 2: Enter the details of the parties involved

Each bank guarantee has an originator and at least one beneficiary. Enter the details of the originator and the beneficiary for your new bank guarantee. You can apply for a bank guarantee for yourself or for a third party.

If you enter an email address, a copy of the bank guarantee will be sent to that address.

Once you have entered all the details, click on Next.

Step 3: Enter the details of your bank guarantee

To complete your bank guarantee application, you still need to enter some details, such as the amount and currency. Here you can also indicate who will receive the original bank guarantee and who is sent a copy. Select the start date and, if necessary, the end date for your bank guarantee.

Tip: You can enter a fixed end date for your bank guarantee or, depending on the type, link the end date to an event, such as the expiry of a lease. You can also keep your bank guarantee open-ended. In the latter case, please remember that you need the approval of all the parties to terminate the bank guarantee.

What files can I upload for my bank guarantee application?

You can add several documents to your bank guarantee application.

To upload a text of your own for your bank guarantee, please use the Import text function. The following file formats are supported: bmp, doc, docx, jpeg, jpg, pdf, png, and tif.

To add supporting documents, please use the Upload documents function. This function allows you to add up to three supporting documents to your bank guarantee application. The following file formats are supported: bmp, doc, docx, jpeg, jpg, pdf, png, and tif.

Please note: The uploaded file must not be larger than 10 MB, and the file name may not be more than 256 characters long.

Can I delete a bank guarantee application?

You can delete a bank guarantee application that you are still drawing up without any problems. To do so, go to the Bank guarantees summary and click on the menu next to the application you wish to delete. Select Cancel.

How does an online signature work?

In Easy Banking Business, you can sign contracts, such as a Bonifisc credit application, online. This saves you from having to see your relationship manager. This online signature is binding.

If you are asked to sign an application electronically, please tick the box to confirm that you have read the General Terms of Use, and then click on Sign. In the next screen you will have to enter your PIN to validate your electronic signature.

What is Bonifisc?

The Bonifisc credit facility allows companies and self-employed workers to set up their advance tax payments in order to avoid a tax increase, or even benefit from a tax allowance.

The Bonifisc credit facility helps you to finance your advance payments and pays them for you on the most favourable tax date. You then repay the sum to the bank over a period of 8 to 12 months. Bonifisc applies a modest interest rate which is fully deductible from your business expenses.

Would you like to calculate, based on your estimated tax expenditure, what your advance payments should be in order to reap the maximum benefit? You can run a non-binding Bonifisc simulation by clicking on the Simulate a Bonifisc credit facility button in the Credits summary.

What does the Bonifisc simulation do?

Using this simulation you can calculate, based on your estimated tax expenditure, the sum of your advance payments required to receive maximum tax benefit, and how much a credit application for that amount will cost you.

The Bonifisc simulation is without any obligation.

How do I simulate a Bonifisc credit application?

To start, click on the Simulate a Bonifisc credit facility button in the Creditspanoramic view. This will take you through the following 3 steps:

Step 1: Provide an estimate of your income tax.

Indicate how much income tax you expect to pay and, click on Continue.

Step 2: Calculate your credit amount

The simulation calculates the advance payment that generates the greatest tax benefit for you. That amount is specified below under Credit amount. You can manually enter a different sum to pay in advance.

Would you like to change the estimated tax amounts? Click on Back.

Click on Continue to go to the simulation summary.

Step 3: View the summary

The simulation provides a proposal for a Bonifisc credit application, with the associated costs and benefits.

If you are satisfied with this result, select Request to submit the proposed credit application. You can contact your relationship manager for more information at any time.

When can I submit a Bonifisc credit application?

New credit applications can be submitted from one year up to 9 days before the payment date. For an advance payment on 10 April, for example, an application should be submitted no later than 1 April.

If you already have a Bonifisc credit facility, you can adjust your credit amount annually. This adjustment is made one month before your first scheduled Bonifisc payment of the year.

How do I submit an Bonifisc credit application?

To start, click on the Demand button in the Credits > Bonifisc.

If you have already used Bonifisc, you can reuse your existing credit application. To do so, click on the menu next to the Bonifisc credit and select Reuse.

You then have to complete the following steps:

Step 1: Enter the details of your credit application

Enter the amount you wish to borrow, along with the date your financial year ends.

Tip: The advance payment date is the day when we forward your advance payment to the government. Advance payments can be made quarterly. They are made by no later than 10 April, 10 July, 10 October, and 20 December for companies whose financial year finishes on 31 December. These dates will change if your financial year finishes on another date. You can apply for a Bonifisc credit facility for each advance payment.

Enter your details and click on Continue.

Step 2: Submit your credit application

You will receive a summary of your Bonifisc credit application for you to double-check.

If you click on Confirm, your application will be sent to your bank branch.

If you wish to change anything, click on Back.

You can cancel your application by clicking on the Cancel button.

What will happen with my Bonifisc credit application once I have submitted it?

When you have completed your application, it will be processed by your bank. Your bank may decide to accept or reject it. You will receive an email if the status of your application changes (e.g. if it is accepted).

You can check the status of your applications in Easy Banking Business. To do so, go to Credits -> Credit applications.

How does an online signature work?

In Easy Banking Business, you can sign contracts, such as a Bonifisc credit application, online. This saves you from having to see your relationship manager. This online signature is binding.

If you are asked to sign an application electronically, please tick the box to confirm that you have read the General Terms of Use, and then click on Sign. In the next screen you will have to enter your PIN to validate your electronic signature.

How do I find an investment?

You can find funds, bonds, savings certificates and shares in Easy Banking Business and then consult the details. These are available in the Investments module and can be consulted by those authorised to do so. Depending on the type of investment, you can search by name, ISIN code, market, interest rate or recommendation. Go to Funds, Bonds and treasury bills, Shares or Savings certificates and enter your search criteria.

Where can I find my orders and my custody account(s)?

An overview of your custody accounts, investor's accounts, savings accounts and term deposit accounts is available in your Investment portfolio. Go to Investments in the menu. To view the account details and properties, click on the menu next to the account.

If you want an overview of all the orders you entered over the past year, go to Orders and transactions in the menu.

Note that you need at least reading rights to consult the Investments module.

What do the risks in Favourite Bonds signify?

Easy Banking Business allows you to view a list of our favourite bonds. To view these, go to Investments in the menu at the top of your screen and choose Bonds and treasury bills under Market information.

Each favourite bond is allocated to a single BNP Paribas Fortis risk category. BNP Paribas Fortis uses seven risk categories (category 1 to category 7) to cover the full range of investments. Most individual bonds are assigned to risk categories 2 to 5, but occasionally an individual bond may be assigned to category 1 or category 6.

Risk category 1 is 'very low risk', category 2 'low risk', category 3 'low to medium risk', category 4 'medium risk', category 5 'medium to high risk' and category 6 'high risk'.

When determining the risk of a bond, BNP Paribas Fortis takes account of such factors as:

  • the currency risk, which is the risk that the value of the currency in which the fixed-interest investment is denominated may fall in relation to the euro.
  • the issuer risk, which is the risk that the issuer of a bond loan will be unable to repay the principal and/or interest on time.

What do the risks in Favourite Shares signify?

Easy Banking Business allows you to view a list of our favourite bonds. To view these, go to Investments in the menu at the top of your screen and choose Shares under Market information.

The choice of favourite shares is based on fundamental and/or technical-analytical criteria. They are selected from a larger group of purchase recommendations. Because success in this area is never certain, we advise you to always consider each investment product in light of your capacity to bear risk and investment horizon. The experts at BNP Paribas Fortis are happy to advise you.

Each favourite share is allocated to a single BNP Paribas Fortis risk category. BNP Paribas Fortis uses seven risk categories (category 0 to category 6) to cover the full range of investments. Individual shares are only contained in the 3 highest risk categories: risk category 4 is for 'medium to high risk', risk category 5 for 'high risk' and risk category 6 for 'very high risk'.

BNP Paribas Fortis measures the risk of an individual share on the basis of the VaR (Value at Risk), which determines the maximum percentage annual loss that can be suffered by an investor on a particular share with a 95% reliability. The VaR indicates the risk but does not, however, give any definite guarantee about the future. The VaR calculations are used to allocate the shares tracked by us to three groups with similar Values at Risk. The group with the lowest VaR is assigned to risk category 4, the group with a medium VaR to category 5 and the group with the highest VaR to category 6.

What is a term deposit account?

The term deposit account is a flexible savings plan that allows you to choose the currency, amounts and terms of your savings and the type of interest plan, interest and capital repayment. With a term deposit account, you know exactly when you will receive what amount, and you are not charged a management fee.

How do I set up a term deposit?

Users with the correct rights can enter a new investment under an existing term deposit account. To do this, go to the term deposit account in question in the Accounts overview. Click on the menu next to the account and select Enter term deposit.

The next screen will allow you to enter the investment's properties, such as currency, amount and term. Find an investment to use.

How do I open a new account?

A contract manager can open new online accounts directly in Easy Banking Business. This requires only a few steps.

Step 1: Select the account type

In the main menu, go to the Accounts and click on Open under New account. You can open a Current Account, a Savings Account or a Term Deposit Account online.

The next screen allows you to refine the type of account you wish to open. For a current account, you can indicate whether you want to open a Current Account or an Investor's Account, for example. You can create one account at a time.

Step 2: Choose the account name

The next screen allows you to name the new account or to accept the name suggested by the bank.

By default, every new account is opened in euros. If you want to modify this, please contact your relationship manager.

If you want to refine which of your users can see the account, we advise you to go to Admin and choose Users once you have opened the account.

Step 3: Your account statements

You will receive your statements for this new account online every week on Saturday by default. The statements will show the transactions from the previous week, until Friday. If you want to change these settings, go to the Accounts overview once you have created this account. Click on the menu next to the new account and select Statements.

Step 4: Sign your application

Your account is ready to be opened. You can still review the details. Click on Sign at the bottom of the screen to place your electronic signature.

Step 5: Set up account visibility

By default, your new account is visible to any user who can see ‘All’ accounts of this type. Do you want a user who can see a ‘Limited list’ of accounts to also view this account? Then go to ‘Admin’ and ‘Products’. Click the menu next to your newly opened account and choose ‘Manage visibility’. In the next screen, you can tick the box in front of users that should be able to view this account.

Note: This electronic signature is binding.

The account will be available in Easy Banking Business as soon as all the necessary signatures have been collected.