If you bank with KBC or Belfius, invest through a broker, pay into pension savings and own your home, can one app keep the total up to date without you typing numbers every month? Mostly yes, but not in the way the question assumes. Some of those accounts can be read automatically, some cannot be read by any app at all, and the difference follows the type of account, not the app you pick.
This is written by the people who build Krosos, so weigh it accordingly. The limits below apply to us too, and we say where.
The short version
- Current accounts at Belgian banks can sync their balance through open banking.
- Savings accounts, funds and pension savings held at that same bank often do not come through that route, for any app.
- Brokers split in two: a few offer a read-only connection, the rest need a statement import, after which prices update on their own.
- Pension savings, group insurance and your home have no market price. They need a figure from you, about once a year.
- Spending categories are a different job from net worth. Do not expect one balance sync to do both.
Why your bank only shows half
Open banking in Europe comes from a payments law (PSD2). It obliges banks to open up payment accounts, the ones you pay and get paid from. It does not oblige them to open up an investment account, a branch 21 or branch 23 insurance, or a pension savings fund, even when you see all of them in the same banking app.
So a bank connection is a connection to your current accounts, and sometimes to savings accounts where the bank chooses to expose them. The consent screen at your bank lists exactly which accounts are included. Read that list rather than assuming.
Krosos reaches banks through Enable Banking. Its public list, filtered on Belgium on 10 November 2026, showed 40 entries, including KBC and CBC, Belfius, BNP Paribas Fortis (with Fintro and Hello bank), ING, Argenta, Keytrade Bank, Crelan, Beobank, vdk bank and Triodos, plus Revolut, Wise, N26 and bunq. That list changes, so check it yourself before relying on it.
Two things to know before you start. The connection brings in balances, not a categorised list of card payments (what a bank connection actually shares explains why). And European rules cap a bank consent at 180 days, so twice a year you log in at the bank again to renew it.
A worked example: one household, eight lines
This is an invented household, not a customer. Eight things make up what they own and owe.
| What they have | How it gets in | How it stays current |
|---|---|---|
| KBC current account | Bank connection | Balance syncs; renew consent every 180 days |
| Belfius joint account | Bank connection | Same |
| Savings account | Bank connection if the bank lists it, otherwise typed in | Syncs, or update when it changes meaningfully |
| Three ETFs at a broker with no connection | Statement import: quantity and what was paid | Prices update daily; a new purchase is one entry, or a recurring rule |
| Pension savings fund | Typed in | Once a year, from the annual statement |
| Group insurance from work | Typed in | Once a year, from the statement or mypension.be |
| Home and mortgage | Property wizard: value, growth rate, loan balance, rate, months left | The loan pays itself down monthly; you revisit the value when you have a reason to |
| Bitcoin on a hardware wallet | Extended public key (xpub) | Balance and price update; the device is never involved |
Count the rows. Two or three sync fully. Two more (the ETFs and the bitcoin) keep their value current once the quantity is right. The home runs on a schedule you set. Only the two pension lines need a figure from you, and each needs it once a year.
That is the realistic target: not zero typing, but two yearly figures and a login every six months. If a tool promises more than that for a Belgian household, ask which of the rows above it reads, and how.
Brokers: connection, or import and let prices run
Krosos has a read-only connection for Interactive Brokers and Trading 212. For any other broker, including Saxo, DEGIRO, Bolero and the investment side of Keytrade, there is no automatic sync. You import your positions from a statement or an export, and from then on stocks and ETFs take their price from the market every day.
What an import does not give you is your history of buys and sells. Each imported row is a starting position. That matters for one thing in particular: tax.
Deposits versus returns, and the 10% tax
"Is my money growing, or am I just adding to it?" needs one extra number per position: what you paid. With that, each line shows what you put in next to the gain, and the totals do the same for the whole picture.
Since 1 January 2026 the same number matters for Belgian capital gains tax. The Krosos tax tab applies the Belgian rules it knows: 10% on gains, the first €10,000 a year exempt, oldest shares sold first within an account. It can only do that from real purchases and sales, so a position imported as a single line gives you a net worth, not a tax estimate. If the estimate is why you are here, enter the trades. Belgium's capital gains tax in 2026 walks through the arithmetic, and FIFO or average cost explains why your broker's gain figure may not be the taxable one.
What this leaves out
- Spending. Krosos tracks what you own and owe. It does not sort card payments into groceries and energy. A budgeting app does that job better; the two sit side by side without overlap.
- Meal vouchers and similar balances. Not connected. Small enough to leave out or type in.
- Savings accounts that the bank does not expose. You will know after the first connection. If yours is missing, it is a manual line.
- A phone app. The hosted version runs in any browser. The desktop app is a beta for Apple Silicon Macs only.
- Advice. Tax figures in the app are estimates for understanding, not a filing.
You can look at the whole picture with example data in the public demo before connecting anything, and the full list of sources is on the connections page.
Bank list and product behaviour checked on 10 November 2026. Bank availability, consent rules and tax rules can change.