N26 Standard costs €0 a year in Belgium, Smart €58.80, Go €118.80 and Metal €202.80. The IBAN is still German, so it must be reported to the National Bank, and savings pay 0.30% gross. Prices checked on 5 October 2026, with the sums that show when paying makes sense.
Since 2025, Revolut has issued Belgian IBANs through its Brussels branch. Salaries and direct debits go through, the current account no longer has to be reported to the National Bank, but deposit protection remains Lithuanian. Fees and rules checked on 26 September 2026.
Between the most expensive banking package on the Belgian market and a free online current account, the gap reaches 1,920 € over ten years for a couple. Fees surveyed on 31 July 2026, including the KBC increases of January 2026.
