Top8DigitalBanks

Top 8 Online Banks in Belgium

Belgium Updated on Oct 2026

Compare the best online banks. Save on fees, earn more, and open an account in minutes.

Compare Now
BrandsAccounts & PricingCardHighlightsOur RatingNext Step
1
  • 1% cashback on spending abroad
  • Exclusive worldwide airport lounge access
  • Pay worldwide with zero foreign transaction fees on all purchases
  • Unlimited free global cash withdrawals in any currency on top plans
98 Score

More Details+

Visit Site
Open an N26 bank account in just 8 minutes
N26 Card

N26 Card | A Taste

Highlights

  • Get full deposit safety up to €100,000
  • Priority 24/7 customer support via phone or direct in app chat
  • Get a dedicated local IBAN in Germany, Italy, France or Spain
  • Allianz travel insurance covering flight delays and medical care

Top Features

  • Complete peace of mind for account holders wanting a fully licensed bank backed by strict deposit protection up to €100,000
  • Seamless budgeting tools that allow users to instantly split money into separate sub accounts and set automated rules to grow savings effortlessly
  • All in one financial hub that brings daily banking together with instant high yield savings along with stock trading and crypto investing inside a single app

Available On: Android Apple

x

Available On

Android Apple
98 Score

Highlights

  • Get full deposit safety up to €100,000
  • Priority 24/7 customer support via phone or direct in app chat
  • Get a dedicated local IBAN in Germany, Italy, France or Spain
  • Allianz travel insurance covering flight delays and medical care

Top Features

  • Complete peace of mind for account holders wanting a fully licensed bank backed by strict deposit protection up to €100,000
  • Seamless budgeting tools that allow users to instantly split money into separate sub accounts and set automated rules to grow savings effortlessly
  • All in one financial hub that brings daily banking together with instant high yield savings along with stock trading and crypto investing inside a single app

Regulation

A Taste
2
  • Fully licensed UK bank account with FSCS deposit protection.
  • Earn up to 4% AER on instant-access savings.
  • Hold, track, and spend in 35+ global currencies.
  • Access 24/7 priority customer support on all paid plans.
  • Link up to 5 family accounts for Kids & Teens.
96 Score

More Details+

Visit Site
Personalized cards on premium plans
Revolut Standard Card - Free

Revolut Standard Card - Free | FCA

Highlights

  • Earn RevPoints on purchases to swap for airline miles.
  • Fee-free spending abroad with zero foreign transaction fees.
  • Free global ATM withdrawals from £200 to £2,000 monthly.
  • In-app investment tools for global stocks and commodities starting from £1.

Top Features

  • Revolut has matured far beyond its travel origins into a definitive financial super-app built to handle every facet of modern consumer life.
  • The platform eliminates the hassle of switching apps by centralizing your checking, high-yield savings, investments, and international spending in one place.
  • Maximize your growth with highly competitive interest rates on instant-access savings vaults, featuring daily payouts and zero withdrawal restrictions.
  • Secure your online shopping with dynamic, single-use virtual cards that automatically regenerate after every transaction to completely block skimming.

Available On: Android Apple

x

Available On

Android Apple
96 Score

Highlights

  • Earn RevPoints on purchases to swap for airline miles.
  • Fee-free spending abroad with zero foreign transaction fees.
  • Free global ATM withdrawals from £200 to £2,000 monthly.
  • In-app investment tools for global stocks and commodities starting from £1.

Top Features

  • Revolut has matured far beyond its travel origins into a definitive financial super-app built to handle every facet of modern consumer life.
  • The platform eliminates the hassle of switching apps by centralizing your checking, high-yield savings, investments, and international spending in one place.
  • Maximize your growth with highly competitive interest rates on instant-access savings vaults, featuring daily payouts and zero withdrawal restrictions.
  • Secure your online shopping with dynamic, single-use virtual cards that automatically regenerate after every transaction to completely block skimming.

Regulation

FCA
3
  • Permanently free plan - no hidden costs.
  • Free multi-currency IBAN account.
  • Unlimited virtual and physical card issuance.
  • No user limit on any plan - add as many team members as needed.
  • Direct-to-Visa card issuing (No middleman banks).
  • Full spend controls per card - limits, custom roles and merchant rules included.
92 Score

More Details+

Visit Site
Free multi-currency IBAN account
Wallester Visa card

Wallester Visa card | FCA (Authorized EMI)

Highlights

  • The only provider with a genuinely free forever plan - no trial, no expiry.
  • 2% FX fee applies on card transactions made in a foreign currency
  • Accounting integrations with Xero and QuickBooks.
  • Multicurrency - 10 currencies:  GBP, EUR, USD, other EU currencies.
  • Issue virtual cards instantly - physical cards can be added to Apple Pay and Google Pay.
  • Real-time transaction tracking across all cards from a single dashboard.

 

Top Features

  • Wallester delivers more on its free plan than most providers charge for on paid tiers - 300 virtual cards, unlimited users, and full spend controls at zero cost is an offer no other provider currently matches.
  • For UK startups and SMEs looking to replace shared cards or spreadsheet-based expense tracking, Wallester offers the lowest-friction, lowest-cost entry point available.
  • The free plan is not a stripped-back trial - core features including real-time tracking, receipt capture, and accounting integrations are all available from day one.
  • Unlike per-user platforms, Wallester's pricing model doesn't penalise growth - a team of 2 and a team of 200 pay exactly the same on the free plan.
     

Available On: Android Apple

x

Available On

Android Apple
92 Score

Highlights

  • The only provider with a genuinely free forever plan - no trial, no expiry.
  • 2% FX fee applies on card transactions made in a foreign currency
  • Accounting integrations with Xero and QuickBooks.
  • Multicurrency - 10 currencies:  GBP, EUR, USD, other EU currencies.
  • Issue virtual cards instantly - physical cards can be added to Apple Pay and Google Pay.
  • Real-time transaction tracking across all cards from a single dashboard.

 

Top Features

  • Wallester delivers more on its free plan than most providers charge for on paid tiers - 300 virtual cards, unlimited users, and full spend controls at zero cost is an offer no other provider currently matches.
  • For UK startups and SMEs looking to replace shared cards or spreadsheet-based expense tracking, Wallester offers the lowest-friction, lowest-cost entry point available.
  • The free plan is not a stripped-back trial - core features including real-time tracking, receipt capture, and accounting integrations are all available from day one.
  • Unlike per-user platforms, Wallester's pricing model doesn't penalise growth - a team of 2 and a team of 200 pay exactly the same on the free plan.
     

Regulation

FCA (Authorized EMI)
4
  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.35% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cash back in BTC
89 Score

More Details+

Visit Site
$1,000 annual membership fee
Xapo bank

Xapo bank |

Additional Features

  • $1000 USD annually
  • 3.35% APY on USD deposit

Top Destination Countries

  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.35% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cash back in BTC

Available On: Android Apple

x

Available On

Android Apple
89 Score

Additional Features

  • $1000 USD annually
  • 3.35% APY on USD deposit

Top Destination Countries

  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.35% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cash back in BTC

Regulation

5
  • Get local European IBANs from multiple countries
  • Zero foreign exchange fees on global card spending
  • Hold and spend in 22 different currencies fee-free
  • Earn up to 3.01% interest on EUR savings paid weekly
86 Score

More Details+

Visit Site
30-day free trial on any plan
Bunq Card

Bunq Card | ECB

Additional Features

  • Zero foreign exchange fees on global card spending
  • Hold and spend in 22 different currencies fee-free
  • Earn high interest on USD and GBP balances
  • Send cheap international transfers powered by Wise
  • Auto-sort your salary across separate sub-accounts

Top Destination Countries

  • Incredible weekly interest payouts on Euro savings that help your money compound much faster than traditional european banks
  • Unmatched freedom for expats needing local IBANs from multiple european countries to easily pay bills and manage money
  • Seamless eco-friendly spending tools that allow environmentally conscious users to effortlessly plant trees with every card swipe

Available On: Android Apple

x

Available On

Android Apple
86 Score

Additional Features

  • Zero foreign exchange fees on global card spending
  • Hold and spend in 22 different currencies fee-free
  • Earn high interest on USD and GBP balances
  • Send cheap international transfers powered by Wise
  • Auto-sort your salary across separate sub-accounts

Top Destination Countries

  • Incredible weekly interest payouts on Euro savings that help your money compound much faster than traditional european banks
  • Unmatched freedom for expats needing local IBANs from multiple european countries to easily pay bills and manage money
  • Seamless eco-friendly spending tools that allow environmentally conscious users to effortlessly plant trees with every card swipe

Regulation

ECB
6
  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account
82 Score

More Details+

Visit Site
Receive money with no fees
Wise Card

Wise Card | FCA

Highlights

  • ID documents required in order to transfer
  • Easy-to-use secure app
  • Good for transactions up-to $/£/€1,000
  • Hold 40+ currencies in your account

Top Features

  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account

Available On: Android Apple

x

Available On

Android Apple
82 Score

 

Highlights

  • ID documents required in order to transfer
  • Easy-to-use secure app
  • Good for transactions up-to $/£/€1,000
  • Hold 40+ currencies in your account

Top Features

  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account

Regulation

FCA

The Advantages of Neobanks

  • Always Available

    Always Available

    Now you can Fully manage your bank account on-the-go using the app or desktop site

  • Financial Control

    Financial Control

    Control your money with unique budgeting tools and real-time actions notifications

  • Safe & Secure

    Safe & Secure

    These services uses the highest level of security standards, regulations and funds protection, so your money will be safe

Stay On The Safe Side & Make Smarter Decision

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced.

Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market.

If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others.

Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.

Top8DigitalBanks

We may receive compensation from certain financial companies seen on our website. Read More. 
top8neobanks.com is a digital publisher and independent comparison service. We are not a bank, financial institution, or licensed advisor. The content on this website is provided for informational and educational purposes only and should not be construed as financial or legal advice. 
© 2026 operated by SKETO Digital Ltd. All rights reserved.

Usefull links

© Copyright 2026 by Top8DigitalBanks. All right reserved.