- 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 debit cards.
Our ranking of neobank cards
We compared the 6 main neobank cards available in Belgium.
Best free all-rounder
Excellent for daily use
Best for expats
If you travel often
Niche, not for everyone
Most comprehensive insurance
Neobank vs traditional bank: the real comparison
Neobanks don't fully replace a traditional bank. Here are the strengths and weaknesses of each.
Neobank traps you should know about
Neobanks aren't perfect. Here's what they don't always tell you.
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 cards. You can't spread repayments like with a real bank credit card, and hotel or car-rental deposit holds are often refused.
Limited customer service: no physical counter in Belgium. Support is chat or email only. In case of disputes, delays can be long.
Deposit protection: N26 and Bunq are covered by the European deposit guarantee (€100,000). Revolut holds a Lithuanian banking licence. Wise is a payment institution: funds are safeguarded, but it is not a bank.
Compare traditional bank cards →Frequently asked questions
Revolut or N26: which to choose in Belgium?
Revolut offers more features (crypto, premium cashback, budgets) and more free withdrawals (€200/month). N26 Standard applies no monthly FX cap on card payments. For travellers, Revolut. For a pure payer, 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?
You can. Revolut now issues a Belgian IBAN (BE) to new accounts opened in Belgium. In practice, keep a Belgian account for direct debits and use the neobank 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.
Sophie L. worked eight years in a Belgian bank branch, first as a credit adviser and then in customer relations, before going independent in 2021 and settling in Louvain-la-Neuve. Her work starts with the issuers' official fee schedules, from the high-street banks (ING, BNP Paribas Fortis, KBC, Belfius) to the neobanks (Revolut, N26, Wise), reduced to five comparable lines: annual fee, currency conversion charge, borrowing rate, spending limits and bundled insurance. Every price on this site carries the date it was checked: the annual-fee grid was gone through line by line on 12 August 2026, after Belfius moved its Beats Star package to 5.90 € a month in February. If an issuer does not publish a figure, she writes that down instead of estimating it. For readers who moved to Belgium, she spells out what a Belgian issuer expects from an applicant with no local credit history.