Ranking of the best Revolut cards in Belgium

Revolut issues debit cards, and Card Stop does not apply

In Belgium Revolut issues only debit cards, according to the Test-Achats article read on 20 October 2026, which adds that Bancontact is not available and lists Card Stop among the services that do not apply to these cards. For a site that ranks credit cards, this caveat comes before the table.

A Revolut debit card draws on the balance in the app at the moment of purchase. No credit, no APR, no zero-balance deadline: the open-credit rules that structure our other rankings have no hold here. The trade-off is simple, an insufficient balance blocks the payment.

The provider is not Belgian either. The subscription pages state that banking services are provided by the Belgian branch of Revolut Bank UAB and insurance by Revolut Insurance Europe UAB. In a dispute, check on Ombudsfin's site that the entity concerned falls within its remit: I could not confirm it for this branch.

Sources: Test-Achats, is Revolut right for you? - Ombudsfin, financial disputes ombudsman - Ranking of neobank cards in Belgium - Credit card or debit card: the differences

At what exchange volume should you leave the free plan?

Around EUR 1,400 a month. Beyond EUR 1,000, the Standard plan charges 1% fair use, under the version of the fees in force from 15 October 2026. Plus costs EUR 3.99 a month, or EUR 40 on annual billing: it pays for itself when 1% of the excess exceeds that fee, so around EUR 1,400 of monthly exchange on the monthly formula and around EUR 1,330 on the annual one. My own calculation, from the fee pages.

Plus raises the quota to EUR 3,000 a month and brings fair use down to 0.5% beyond it. Premium, at EUR 99 a year, removes the limit: EUR 59 more than Plus, which 0.5% saved repays only from about EUR 4,000 of monthly exchange. Below that, only its insurance justifies the extra cost.

The weekend muddies the calculation. Between Friday 5 pm and Sunday 6 pm, New York time, Standard charges 1% even under the quota and Plus 0.5%. Anyone who pays mostly on Saturdays has no reason to count on the weekday quota.

A traveller who goes away for two weeks a year has, in my view, no reason to pay anything: they stay under EUR 1,000 of monthly weekday exchange. Plus's EUR 40 helps only those who pay in foreign currency all year round.

Sources: Revolut Belgium, Standard plan fees - Revolut Belgium, Plus plan fees - Paying abroad with a Belgian credit card

Ultra costs EUR 2,085 over three years, Standard nothing

On annual billing, thirty-six months cost EUR 0 on Standard, EUR 120 on Plus, EUR 297 on Premium, EUR 525 on Metal and EUR 2,085 on Ultra. On twelve monthly payments a year, the bill rises to EUR 143.64, EUR 359.64, EUR 647.64 and EUR 2,520 for the four paid plans.

Annual prices crush monthly ones: EUR 175 a year for Metal against EUR 215.88 in twelve payments, EUR 695 against EUR 840 for Ultra. Every paid plan runs for twelve months. The Plus, Metal and Ultra pages allow cancellation at any time, with fees that depend on the date and that none of them quantifies. Read them in the app before subscribing.

Test-Achats shows EUR 57 a month for Ultra in its September 2026 article, a different figure from Revolut's EUR 70. The plan comparison page speaks of a launch offer at EUR 70, but the Ultra page and the fee page give neither its end nor its conditions. I use the fee page, and I accept that the price may move.

Sources: Revolut Belgium, Ultra plan fees - Revolut Belgium, Metal plan fees - What a Belgian credit card really costs

Insurance cites caps only where the page publishes them

Plus protects eligible purchases up to EUR 1,000 for one year against theft or damage, and refunds up to EUR 1,000 for a missed event ticket. Premium raises purchase protection to EUR 2,500 a year. These are the only purchase caps the subscription pages publish.

Travel insurance is the hole. Premium and Metal list medical emergencies and flight delays with no cap at all and refer to documents in the app, which I could not read: I therefore do not know what they cover. Ultra publishes one figure, cancellation repaid at 70% up to EUR 5,000 a year, for a booking made at least 72 hours before departure. That cap is worth a little over seven times the EUR 695 annual fee.

Airport lounges are bought with Standard and Plus, discounted with Premium and Metal (more than 1,600 lounges) and unlimited with Ultra. No entry price is published on the pages read. At EUR 70 a month, I would never buy Ultra for lounges.

Sources: Revolut Belgium, Premium plan - Revolut Belgium, Ultra plan - Insurance included in a Belgian credit card

What data does Revolut not publish?

The card network, Visa or Mastercard, appears neither on the subscription pages nor on the fee pages. The table shows Mastercard by default, a value to correct as soon as Revolut publishes the network of each card. Also missing: travel insurance caps, lounge entry prices, the cost of customising a card and early cancellation fees.

These pages move fast. The Standard fees changed version on 15 October 2026, five days before this check, and the Ultra launch offer has no readable end date.

As of 20 October 2026, Standard is enough for anyone exchanging less than EUR 1,000 a month, Plus is justified from EUR 1,400, Premium for its purchase protection or uncapped exchange. Metal and Ultra are a matter of taste. Test-Achats advises against making it a main account, and I share its caution: budgeting with hard-to-predict fees wears you down. For other uses abroad, compare with the cards in our travel ranking.

Sources: Revolut Belgium, plan comparison - Best credit card for travel - Wikifin (FSMA), financial education

Sources

• Revolut

Fees read off the issuers' official pricing pages on 20 October 2026. They can change without notice: always check the issuer's page before subscribing.