Belfius review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Belfius is a Belgian bank debit card built for everyday spending, with a monthly fee of €0 on the payment account and free ATM withdrawals of €0. It suits Belgian households that want a Mastercard for the family, including a kids account, without a recurring charge to track.
Key facts
- Best for
- A Belgian family payment account at €0 a month with a kids option.
- Monthly fee
- €0↗
- Free ATM withdrawals
- €0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Audience
- Kids
- Official website
- belfius.be
Facts checked September 26, 2026, 1 source
Pros and cons
Pros
- Monthly fee of €0 on the payment account, level with Monzo Flex at £0 and Wise at £0.
- Free ATM withdrawals of €0, ranking 38 of 104 brands compared on that measure.
- A debit card on mastercard, the network behind 36.9% of the cards compared in this category.
Cons
- Free ATM withdrawals of €0 sit at the site median of €0, while allowances elsewhere reach €2,000.
- The card is a debit card, and virtual cards make up 6% of the cards compared, so there is no virtual option in this offer.
- A cost score of 6 against an overall 6 keeps the account in the middle of the cost table despite the €0 fee.
Who it suits
- Belgian households paying bills and shopping in euro with a Mastercard debit card.
- Parents who want a kids account alongside their own payment account.
- Anyone who would rather not pay a monthly charge, since the fee is €0.
Who should look elsewhere
- Monzo Flex, whose monthly fee of £0 is the same, for anyone banking outside Belgium rather than on a local payment account.
- Wise, also at £0 a month, if you want a travel money account rather than a Belgian payment account.
- BMW Card von American Express, listed at $0, for a business card rather than a family payment account.
Where it sits among rivals
On the monthly fee, Belfius sits at 1 of 379 brands compared, which is as good as that measure gets. Free ATM withdrawals tell the other story: 38 of 104, well down the table, so cash is the one line on this account that stays thin.
How Belfius compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
Frequently asked questions
How much does a Belfius payment account cost each month?+
The payment account carries a monthly fee of €0. That sits at the same level as the site median of €0, while the highest monthly fee across the site reaches €99. The card itself is a debit card.
Are any ATM withdrawals included?+
Free ATM withdrawals come to €0, which puts Belfius at 38 of 104 compared brands and level with the site median of €0. Allowances elsewhere reach €2,000, so cash is where this account gives least.
Is the card a debit, prepaid or virtual card?+
It is a debit card. In this category 74.7% of the cards are debit cards, 19.3% are prepaid and 6% are virtual, so Belfius sits in the largest group with no virtual option in the offer.
Which payment network does the card run on?+
The card runs on mastercard, and Mastercard makes up 36.9% of the cards compared in this category, so it sits with a sizeable share of the field. The card itself is a debit card.
Who is the Belfius account aimed at?+
Belfius names kids as its audience, kids, and the account is built as a debit card on mastercard for family spending. Kids accounts are common in this field, with 32.3% of the brands compared targeting kids as well.
How does the monthly fee compare with other cards on the site?+
A fee of €0 matches the site median of €0 and puts Belfius at 1 of 379 brands compared on that measure. It also matches Monzo Flex at £0 and Wise at £0.
Where does Belfius rank against rival cards?+
On the monthly fee, Belfius ranks 1 of 379 compared brands. On free ATM withdrawals it ranks 38 of 104, and the overall score is 6 with the cost part at 6.
Does the free monthly fee put Belfius at the front on cost?+
The cost score is 6 and the overall score is 6, so the free monthly fee of €0 does not lift the account out of the middle of the cost table. The free ATM allowance of €0 is the reason, as that is the one line that trails.
Sources
- belfius.be/site/retail/nl checked September 26, 2026
Backs: Audience
- belfius.be/site/retail/nl/producten/betalen/betaalrekeningen checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Monthly fee, Card network
“Beats Pulse Gratis”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.