Not sure about Belgium specifically, but at least in UK the bank can't close your account without a valid court order. They can temporarily suspend it if they s

Not sure about Belgium specifically, but at least in UK the bank can't close your account without a valid court order. They can temporarily suspend it if they suspect you of some crime, but in general a normal checking account cannot be closed by the bank "just because". I'd expect it to work the same way in all of EU.