Since cheques have been eliminated, Belgian government agencies (e.g. tax offices) often require people to supply a bank account number to receive money (e.g. tax refunds). Taxpayers apparently cannot get a tax refund without submitting a bank account number. So the question is, since paying tax in an obligation, does that make banking a right in Belgium?

If so, the next question is: are banks allowed to deny consumers? I ask, because some Belgian banks deny service to people in some situations. Specifically:

• some banks refuse to open accounts for Americans (e.g. Rabobank) because they do not have an info sharing agreement with the US.
• some banks refuse online service to those without an Apple iPhone or Android smartphone (and the OS must also be recent). Counter service may be viable but those customers will pay high fees. Aion is like this and perhaps Hello Bank. What's to stop all banks from forcing customers to patronize Google or Apple?
• some banks lock your acco

For the record, u/scuczu censored this rule-abiding post:

Betterment forces Tor users to solve an (often broken) Google CAPTCHA. After looking further, it's evident that Betterment also forces all web traffic through CloudFlare. That's a very bad idea. Financial data is sensitive and should not be shared with CloudFlare. Is there an offline way to open a Betterment account?"