banks

Looking for the best bank in Belgium and want the short answer? Argenta for a free current account with a branch nearby, Keytrade Bank if you never need a counter, CBC if you live in Wallonia or Brussels. Those are the only three in our panel offering a current account at €0 per year without acrobatic conditions. The rest of the ranking is decided in real euros: the four big banks — BNP Paribas Fortis, KBC/CBC, Belfius and ING — hold roughly three quarters of the Belgian market and charge between €36 and €84 a year for a basic account, while the gap between the most and least expensive institution exceeds €180 a year according to April 2026 figures. Put differently: your choice of bank costs about as much per year as a mobile subscription. And 2026 did not favour the customer — Belfius raised its basic account from €1.35 to €1.65 a month on 1 February, KBC took its Base Account from €2.00 to €2.50 and its Plus Account from €3.75 to €4.25, Argenta pushed its Golden package to €6.95 on 1 April. This ranking therefore scores what you pay first, what you earn on savings second, and service quality only after that. Not the other way round.