Ranking - 2026

Ranking of the best travel cards from Belgium

Ranked only on what matters when travelling: non-euro FX fees, withdrawal caps, included insurance and deposit acceptance. Traditional and neobank cards mixed together.

Fees checked on 13 July 2026

In brief

  • A classic Belgian card costs 1.5% on every non-euro payment: EUR 15 for every EUR 1,000 spent.
  • Neobanks go down to 0% - but they all cap something (FX at Revolut, withdrawals at N26).
  • No free card includes travel insurance: you need a paid plan (Revolut Premium, N26 You).
  • Travel with two cards: a neobank card to pay, a real credit card for hotel and car-rental deposits.
  1. 01

    Revolut Premium

    9.0/10
    Annual feeEUR 7.99/month (EUR 96/year)
    Non-euro0%, no cap
    NetworkVisa - Revolut

    Pros : Unlimited 0% FX plus travel medical insurance: both traveller needs in one card.

    Cons : EUR 96/year, and no deposit holds possible (it is a debit card).

    The most complete travel card on the Belgian market - if you travel often.

  2. 02

    N26 You

    8.4/10
    Annual feeEUR 9.90/month (EUR 120/year)
    Non-euro0%
    NetworkMastercard - N26

    Pros : Travel + baggage delay + mobile insurance, and 0% FX with no cap.

    Cons : The most expensive. Free withdrawals limited to 5 per month.

    Best insurance bundle if you have no other cover.

  3. 03

    Revolut Standard

    8.2/10
    Annual feeFree
    Non-euro0% up to EUR 1,000/month, then 0.5%
    NetworkVisa - Revolut

    Pros : Free, 0% FX within the monthly cap: enough for a two-week holiday.

    Cons : Beyond EUR 1,000/month of FX: 0.5%. Free withdrawals capped at EUR 200/month.

    Best cost/benefit for the occasional traveller. Free, so no regrets.

  4. 04

    Wise (multi-currency card)

    8.0/10
    Annual feeFree (EUR 7 issuance)
    Non-euro0.35% to 0.55%
    NetworkVisa - Wise

    Pros : Real rate and early conversion: you can lock the rate before you leave.

    Cons : Fees are not zero and there is no travel insurance.

    Unbeatable for long stays outside the euro zone and exotic currencies.

  5. 05

    N26 Standard

    7.8/10
    Annual feeFree (EUR 10 physical card)
    Non-euro0% on payments, no monthly cap
    NetworkMastercard - N26

    Pros : 0% on payments with NO monthly cap: better than Revolut Standard on a long trip.

    Cons : Withdrawals cost money beyond the free quota; no insurance.

    The free card to prefer if you pay by card and withdraw little cash.

  6. 06

    Beobank Visa Extra

    7.0/10
    Annual feeEUR 20/year
    Non-euro1.5%
    NetworkVisa - Beobank

    Pros : A real credit card: hotel and car-rental deposits accepted, unlike neobank cards.

    Cons : 1.5% outside the euro zone - the hidden cost of a trip paid entirely by card.

    Keep it as a second card for deposits. Pay on site with a neobank card.

Methodology

How we score.

40 %
Non-euro fees

FX fees on card payments, monthly caps included.

25 %
Withdrawals abroad

Free monthly withdrawal amount or count, fees beyond.

25 %
Travel insurance

Medical assistance, cancellation, baggage delay included in the fee.

10 %
Deposits accepted

Hotels and car rental: a debit card is often refused.

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

Which card should I take to travel outside the euro zone from Belgium?

Revolut Standard or N26 Standard (free, 0% FX) are enough for a holiday. For frequent trips, Revolut Premium adds medical insurance and unlimited FX.

What does the 1.5% fee on my Belgian card really cost?

EUR 15 for every EUR 1,000 spent outside the euro zone. Two weeks in the United States with EUR 2,000 of spending: EUR 30 in fees - more than the card's annual fee.

Can I rent a car with a Revolut or N26 card?

Often not. Rental firms require a genuine (deferred-debit) credit card in the driver's name to hold the deposit. Bring a Belgian bank card as well.

Should I pay in euros or in local currency abroad?

Always in local currency. If the terminal offers to convert to euros (dynamic currency conversion), decline: the merchant's rate is markedly worse than your card's.

Do card travel insurance policies actually cover you?

Limits are low and exclusions numerous (sports, long stays, pre-existing conditions). Read the terms: for a long-haul trip, a dedicated policy is usually safer.