- Revolut Standard and N26 Standard are free — perfect to try out.
- 0% exchange fees at all neobanks (vs 1.5% at traditional banks).
- Wise is the best choice for multi-currency international transfers.
- Neobanks don't offer real credit — these are prepaid debit cards.
Our ranking of neobank cards
We compared the 6 main neobank cards available in Belgium.
If you travel often
Voir le prix sur Amazon →Neobank vs traditional bank: the real comparison
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Free withdrawal limit: Revolut Standard caps at €200/month. Beyond that, expect 2% fees. N26 Standard: 2 free withdrawals, then €2 per withdrawal.
No real credit: neobank cards are debit (prepaid) cards. You can't spread repayments like with a real bank credit card.
Limited customer service: no physical counter in Belgium. Support is chat or email only. In case of disputes, delays can be long.
Deposit protection: European neobanks (N26, Bunq) are covered by the European deposit guarantee (€100,000). Revolut holds a Lithuanian banking licence.
Compare traditional bank cards → →Questions fréquentes
Revolut or N26: which to choose in Belgium?
Revolut offers more features (crypto, premium cashback, budgets) and a higher free exchange limit. N26 is simpler and offers 2 free withdrawals/month (vs €200/month at Revolut). For travellers, Revolut. For simplicity, N26.
Are neobanks safe in Belgium?
Yes. N26 and Bunq hold a European banking licence with €100,000 deposit guarantee. Revolut holds a Lithuanian banking licence. Wise is regulated as a payment institution.
Can you use Revolut as a main account in Belgium?
It's possible but not recommended. Direct debits (energy, telecom) work with a Revolut IBAN but some Belgian employers prefer a Belgian IBAN (BE). Ideally, keep a Belgian account + Revolut as a supplement.
Is Wise a good card for travel?
Wise is unbeatable for payments in foreign currencies thanks to the real exchange rate. Fees are 0.35 to 0.55%. For withdrawals, it's limited (€200/month free). Excellent as a supplement, not as a sole card.
Do neobanks offer cashback?
Very little. Revolut Premium offers 0.1% in Europe. Bunq offers selective cashback with certain partners. For real cashback in Belgium, the Beobank Visa Extra (1%) remains unbeatable — but it's a traditional bank.
Spécialiste des produits bancaires belges depuis 8 ans. Ancienne conseillère bancaire, aujourd'hui rédactrice indépendante.