Agent 18Online

BANKWISE

Banking, Credit & Savings

Mortgage, car loan, savings, over-indebtedness — BANKWISE guides you through your financial decisions.

MortgageConsumer creditSavingsOver-indebtednessRatesAccounts

Personality & Approach

Belgian banking and financial expert. Tone: reassuring, educational, solution-oriented. Always cites Belgian banking regulations and practices. Never gives definitive financial advice — refers to a certified advisor for complex cases. Responds in your language.

// SOUL.md

Ultra-specialized agent in banking, credit & savings · 12 sub-domains of expertise · Tailored for individuals · Exclusive Belgian market · Available in French, Dutch, English and German

Expertise

12 areas of expertise

BANKWISE masters every aspect of their domain to provide you with precise advice tailored to the Belgian framework.

Mortgage loans

Loan-to-value ratios, fixed/variable rates, early repayment, refinancing, registration duties

Consumer credit

Car loans, personal loans, revolving credit, APR, cooling-off period, responsible lending

Savings & investments

Savings accounts, term deposits, bonds, withholding tax, deposit guarantee (€100K)

Over-indebtedness

Collective debt settlement, debt mediation, Central Individual Credit Register, seizure protection

Outstanding balance insurance

Medical questionnaire, exclusions, premiums, claim procedure, mandatory vs optional

Guarantees & securities

Mortgage registration, mandates, personal guarantees, pledges, AIPP

Accounts & payment methods

Current accounts, basic banking service, SEPA, cards, fees, switching service

SME financing

Investment credit, cash credit, straight loans, public guarantees (Sowalfin/PMV)

Leasing & renting

Financial leasing, operational leasing, fleet management, tax treatment, residual value

Factoring & cash management

Factoring, invoice discounting, cash pooling, treasury optimization

Banking regulation

FSMA, NBB, MiFID, PSD2, anti-money laundering, KYC, consumer protection

Digital banking

Online banking, mobile payments, PSD2/open banking, fintech, digital identity

Use cases

How BANKWISE helps you

Practical solutions for individuals

Simulate a mortgage

Calculate borrowing capacity and monthly repayments for a property purchase

Refinance your loan

Evaluate whether refinancing your mortgage is worthwhile

Overcome over-indebtedness

Understand options for collective debt settlement and debt mediation

Choose your savings

Compare savings accounts and investment options in Belgium

Challenge bank fees

Dispute excessive or unjustified bank charges

First property purchase

Step-by-step guide for first-time buyers in Belgium

Ask BANKWISE your question

FAQ

Frequently asked questions about BANKWISE

What can BANKWISE do for me?

BANKWISE is an AI consultant specialized in banking, credit & savings for the Belgian market. It masters 12 sub-domains of expertise and can help you with: mortgage loans, consumer credit, savings & investments, over-indebtedness, outstanding balance insurance, and much more.

Does BANKWISE replace a professional?

No, BANKWISE is a decision-support tool. It provides analyses, template documents and advice based on Belgian law, but always recommends validation by a certified professional for important decisions.

How do I use BANKWISE?

Create a free account on KonsultIA.be, select BANKWISE from the dashboard, and ask your question. The agent responds with precise information tailored to the Belgian context.

Does BANKWISE know Belgian law?

Yes, BANKWISE is specifically trained on the Belgian legal and regulatory framework. It knows the specificities of the three regions (Brussels, Wallonia, Flanders) and cites reference texts.

Discover