Revolut Belgian IBAN: how to get it in 5 steps

A Belgian IBAN with Revolut is not something you request: it arrives with the transfer of your account to the Belgian branch, provided you are a resident and your profile carries the right address. The switch is free and automatic. The real work starts afterwards, when you move your direct debits one by one.

Who qualifies for a Belgian IBAN with Revolut?

Belgian residents, and only them. The condition fits in one line: your Belgian home address must appear on your Revolut profile, otherwise the account never enters the transfer queue.

Since 1 May 2025, every account opened in Belgium gets a number starting with BE from day one. Older accounts carried a Lithuanian IBAN because Revolut Bank UAB operates from Vilnius. Those move in batches to the Belgian branch, registered in Brussels under company number 0784.549.658 at square de Meeûs, and placed under the partial supervision of the National Bank of Belgium and the FSMA, the Belgian financial markets authority (legal notices checked on 31 August 2026).

One detail catches out the self-employed: business accounts and investment accounts do not necessarily follow the current account. Check each one separately.

Do you have to ask for the migration, or does it just happen?

It just happens. No form, no support ticket, no hidden setting: the bank transfers eligible accounts in batches and warns each holder by email, then with an in-app notification when the number actually changes.

Revolut's own help page invites customers to keep waiting if nothing has moved after sixty days. That is the only timing indication the bank publishes, and it beats the calendar promises you read elsewhere.

My own account switched on a Tuesday morning, with no warning the day before. The email landed after the notification.

Moving to a BE IBAN in five steps

The automatic part stops at the number itself. Everything pointing at the old one is on you, and that is where incidents happen.

1. Open your profile and check the address. An address still set abroad, or a house move never reported, is enough to keep the account out of the queue. Fix it first.
2. Wait for the transfer email. It announces the move to the Belgian branch. Nothing to do at this stage, and nothing to force either.
3. Note the new number in the app, under the euro account details. Write it down somewhere: you will retype it about ten times.
4. Send the BE IBAN to your employer or payroll agency. This is the most immediate benefit of the whole exercise, and the one that takes longest to materialise.
5. Move your direct debits creditor by creditor, starting with the ones where a rejection is expensive. A SEPA mandate is changed at the creditor's end, never from your app.

How long does the switch take?

Here are the timings recorded on my own file and on two people close to me, in August 2026, with the paperwork to have ready at each step.

The right-hand column is not a typo. Nothing is charged, whichever plan you hold: the public pricing checked on 31 August 2026 runs from the free Standard plan to €70 a month for the highest tier, and none of them makes the Belgian IBAN conditional on a paid subscription.

Which direct debits should you move first?

The old Lithuanian number keeps taking the direct debits already in place, which is reassuring in the short term and lulling in the medium term. The BE IBAN becomes the account's primary identifier, so it is the one to push everywhere, in this order:

• Energy and telecoms, where rejections trigger reminder fees and then fast debt collection.
• Insurance policies, home and car first: an unpaid premium can suspend cover, and it is the only item on this list where the incident costs something other than money.
• Your mutuelle, the Belgian health insurance fund, for incoming reimbursements as well as top-up contributions.
• Rent or building service charges, when they run through a standing order.
• Transport passes and recurring subscriptions, to be handled last.
• The FPS Finance, the Belgian tax administration, if an advance payment or a refund is expected.

My energy supplier rejected the mandate because the account holder's name did not match the contract exactly, down to a preferred first name. Two weeks lost, one reminder letter, one lesson: copy the name exactly as it appears in the app.

Does a Belgian IBAN change the deposit guarantee?

No, and this is the most widely misunderstood part of the whole operation.

The prefix tells you where the account is held, not who guarantees the money. Revolut Bank UAB keeps its Lithuanian banking licence, authorised by the European Central Bank and supervised by the Bank of Lithuania, and its legal notices checked on 31 August 2026 state plainly that deposits are covered by the Lithuanian guarantee scheme. The European ceiling of €100,000 per depositor applies in the same way under Directive 2014/49/EU, but the Vilnius fund would pay, not the Belgian guarantee fund. We take that mechanism apart in our article on deposit protection at neobanks.

None of the other large neobanks active here issues a Belgian IBAN today: N26 stays on DE, bunq on NL, Wise provides euro details without a banking licence.

Do you still have to register the account with the Central Point of Contact?

An account held by the Belgian branch stops being a foreign account. The duty to declare it to the Central Point of Contact at the National Bank, the register of accounts held by Belgian residents, along with the matching box on the tax return, therefore falls away for that account, since the bank reports the data itself like any institution established here.

Two caveats, and they matter.

The first concerns earlier tax years: for as long as the account carried a Lithuanian IBAN, the obligation existed. The second concerns the investment account, opened with a Lithuanian entity separate from the bank. That one remains a foreign account, still to be declared, and its income falls under Belgian withholding tax on the terms set out for interest earned at a neobank. If your situation is unclear, the reference is the FPS Finance.

Bancontact, mortgages, rental deposits: the limits that remain

The Belgian number solves IBAN discrimination, that refusal of a foreign account which the European transfer regulation has banned since 2016. It solves nothing else.

The card is still a Visa or a Mastercard, so Bancontact keeps going missing at a parking barrier. No mortgage is offered here. No rental deposit on a blocked account either, that product remaining the preserve of Belgian banks, with ceilings that differ across the three Regions. Those heavier frictions are reviewed in our article on holding a foreign IBAN in Belgium.

I tried a Brussels car park exit barrier the day after my migration, out of curiosity. Refused, of course. The account is Belgian, the card is not.

In short

Revolut's Belgian IBAN removes the most tiresome administrative friction of a foreign account: the salary lands, direct debits go through, the tax office no longer expects a ticked box. It does not turn a Lithuanian bank into a Belgian one, nor a Visa into a Bancontact card. Treat the switch as a change of address for your account details, and keep a Belgian account for as long as you have a lease or a loan in view. Our comparison tool puts the IBANs and fees of the neobanks active in Belgium side by side.

This article provides administrative information and constitutes neither legal advice nor investment advice.

Sources: Revolut Belgium legal notices and the "Getting a Belgian IBAN" help page checked on 31 August 2026, Directive 2014/49/EU on deposit guarantee schemes, Regulation (EU) 260/2012 (article 9, IBAN discrimination), National Bank of Belgium (Central Point of Contact), FPS Finance (foreign accounts, withholding tax), Wikifin (FSMA), Test-Achats and RTBF (Belgian IBAN announcement, May 2025), Febelfin (Bancontact share of card payments).