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Top 5 best Neobanks 2026

Our independent ranking of the best neobanks available in Belgium, by use case. Editorial selection, no affiliate links or sponsored placement.

Updated 26 June 2026

  1. 1
    Top pickBest for Simple current account9.1/10

    N26€0/month (Standard)

    The simplest, clearest mobile current account: fast onboarding, clean app, fee-free foreign payments. Our default pick for everyday use.

    Pros
    • Simple, clear app
    • Fee-free non-€ payments
    • Banking licence (€100,000 protection)
    Cons
    • German IBAN
    • Limited withdrawals on the free plan
  2. 2
    Most completeBest for Travel & features9.0/10

    Revolut€0/month (Standard)

    The richest ecosystem: multi-currency exchange, sub-accounts, budgets, insurance depending on the plan. Ideal for travellers and people who like to manage money in detail.

    Pros
    • Multi-currency exchange
    • Lots of features
    • Banking licence (€100,000 protection)
    Cons
    • Weekend rate surcharge
    • Key features on paid plans
  3. 3
    Best abroadBest for Multi-currency payments8.8/10

    Wise€0/month

    The reference for paying and receiving in currencies at the real mid-market rate, with transparent fees. Perfect alongside a main account for international spending.

    Pros
    • Real mid-market rate
    • Transparent fees
    • Belgian IBAN possible / multi-currency
    Cons
    • No deposit protection (EMI)
    • No credit
  4. 4
    Best for savingBest for Savings & sub-accounts8.5/10

    bunqFrom ~€3/month

    Very strong for ring-fencing money (sub-accounts, vaults) and customising your account. A subscription model that pays off if you really use its savings features.

    Pros
    • Sub-accounts & vaults
    • Deep customisation
    • Banking licence (€100,000 protection)
    Cons
    • Paid base plan
    • Dutch IBAN
  5. 5
    Belgian optionBest for Belgian IBAN8.1/10

    Aion BankMonthly subscription

    A subscription-based digital bank based in Belgium, with a Belgian IBAN — useful for anyone who wants to avoid the friction of a foreign IBAN. An 'all-inclusive' model to assess against your usage.

    Pros
    • Belgian IBAN
    • All-inclusive subscription model
    • Banking licence
    Cons
    • Monthly subscription
    • Less well known than the leaders

Comparison table

Model
Score
Price
Best for
1. N26
9.1/10
€0/month (Standard)
Simple current account
2. Revolut
9.0/10
€0/month (Standard)
Travel & features
3. Wise
8.8/10
€0/month
Multi-currency payments
4. bunq
8.5/10
From ~€3/month
Savings & sub-accounts
5. Aion Bank
8.1/10
Monthly subscription
Belgian IBAN
Ranking criteria
Real feesCard & limitsForeign paymentsDeposit protectionApp experience

Methodology : Ranking based on five criteria, using public fee schedules, regulatory status (banking licence vs payment institution) and usage testing. Updated regularly. Fees and limits change: always check the current offer.

Sources : National Bank of Belgium — deposit guarantee · FSMA — register of authorised institutions

Frequently asked questions

What is the best neobank in Belgium?

There is no universal winner: N26 is the best overall for a simple current account, Wise for foreign payments, Revolut for features, bunq for savings. The right choice depends on your usage.

Are these neobanks safe?

N26, Revolut, bunq and Aion hold a banking licence and protect deposits up to €100,000. Wise is a payment institution: it safeguards funds but does not offer deposit protection.

Is the ranking independent?

Yes: editorial selection, no affiliate links or sponsored placement.