Ranking - 2026

Ranking of neobank cards in Belgium

Revolut, N26, Wise and bunq: the six most used plans in Belgium, ranked on annual cost, FX fees and withdrawal caps. Note: these are debit cards, not true credit cards.

Fees checked on 13 July 2026

In brief

  • Revolut Standard, N26 Standard and Wise charge no annual fee: start there.
  • 0% FX fees - but always with a limit: monthly cap at Revolut, withdrawal quota at N26.
  • Paid plans cost EUR 96 to 120/year: they are only justified by the travel insurance.
  • No neobank offers real instalment credit, nor reliable hotel/car-rental deposit holds.
  1. 01

    Revolut Standard

    8.8/10
    Annual feeFree
    Non-euro0% up to EUR 1,000/month, then 0.5%
    NetworkVisa - Revolut

    Pros : No fee, interbank exchange rate, Belgian IBAN (BE) since 2025, very complete app.

    Cons : Free withdrawals capped at EUR 200/month (2% beyond). Debit card: no instalment credit.

    Best free all-rounder. Worth keeping as a second card even if your main bank stays Belgian.

  2. 02

    N26 Standard

    8.5/10
    Annual feeFree (EUR 10 physical card)
    Non-euro0% on payments, no monthly cap
    NetworkMastercard - N26

    Pros : 0% FX on card payments with no monthly cap - unlike Revolut.

    Cons : Limited free withdrawals (then EUR 2 each). Physical card is not free.

    Best pick if you pay a lot by card abroad and rarely withdraw cash.

  3. 03

    Wise (multi-currency card)

    8.3/10
    Annual feeFree (EUR 7 issuance)
    Non-euro0.35% to 0.55%
    NetworkVisa - Wise

    Pros : Real exchange rate, fees shown upfront. Unbeatable for holding several currencies.

    Cons : Fees are not zero (0.35-0.55%) and free withdrawals are capped. Payment institution, not a bank.

    The expat / multi-currency reference. As a supplement, never as your only card.

  4. 04

    Revolut Premium

    7.9/10
    Annual feeEUR 7.99/month (EUR 96/year)
    Non-euro0%, no cap
    NetworkVisa - Revolut

    Pros : Unlimited FX, travel medical insurance included, 0.1% cashback in Europe.

    Cons : EUR 96/year: you need to travel outside the euro zone often to break even.

    Pays off from roughly 3 non-euro trips a year. Below that, stay on Standard.

  5. 05

    N26 You

    7.6/10
    Annual feeEUR 9.90/month (EUR 120/year)
    Non-euro0%
    NetworkMastercard - N26

    Pros : The most complete insurance package among neobanks (travel, baggage, mobile).

    Cons : The most expensive (EUR 120/year) for cover you may already have elsewhere.

    Only worth it if this plan replaces a paid annual travel insurance policy.

  6. 06

    bunq Easy Money

    6.9/10
    Annual feeEUR 8.99/month (EUR 108/year)
    Non-euro0%
    NetworkMastercard - bunq

    Pros : Unlimited sub-accounts and a green positioning; European deposit guarantee (EUR 100,000).

    Cons : No free tier: you pay from month one. Cashback limited to selected partners.

    Relevant for a niche use (separate budgets). Otherwise Revolut does as much, for free.

Methodology

How we score.

40 %
Real annual cost

Annualised fee, minus the cashback you can realistically collect.

25 %
Non-euro fees

FX fees on payments and free withdrawal caps.

20 %
Included insurance

Travel, purchase protection, extended warranty - included in the fee or not.

15 %
Access conditions

Minimum income, mandatory banking package, age, issuance delay.

Sources

Fees read off the issuers' official pricing pages on 13 July 2026. They can change without notice: always check the issuer's page before subscribing.

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Frequently asked questions

Revolut or N26: which to choose in Belgium?

N26 Standard applies no monthly FX cap on card payments, where Revolut Standard limits you to EUR 1,000/month before charging 0.5%. Revolut, however, allows more free withdrawals (EUR 200/month) and has a richer app. Pure payer: N26. Mixed use: Revolut.

Are neobanks safe in Belgium?

N26 and bunq hold a European banking licence with a EUR 100,000 deposit guarantee. Revolut operates under a Lithuanian banking licence. Wise is a payment institution: funds are safeguarded, but it is not a bank.

Can a neobank card replace my credit card?

No. These are debit cards: no instalment repayment, and some deposit holds (hotels, car rental) are refused. Keep a real Belgian credit card alongside.

Should I pay for a Premium plan?

Only if you travel outside the euro zone more than three times a year, or if the plan replaces an annual travel insurance policy you already pay for. Otherwise the free plans are enough.

Can I have my salary paid into a neobank account in Belgium?

Technically yes - 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.