ING Belgium review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING Belgium suits Belgian customers who want an ordinary bank card for daily spending rather than a crypto-linked one. The card runs on the Mastercard network and spends from the bank balance, and the monthly fee of €1.90 is the price of holding it.
Pros and cons
Pros
- Issued by ING Belgium SA/NV, so the balance is held by a bank rather than a crypto platform.
- Runs on the mastercard network, so it is accepted wherever that network is taken.
- The cost is predictable at €1.90 a month, so the yearly spend is easy to plan.
- Debit is the dominant card type in this category at 73.4%, and this card is one of them (debit).
Cons
- The monthly fee of €1.90 is a standing charge, while the compared cards are listed at £0 and €0.
- The card type is debit (debit), so spending draws on the bank balance and adds nothing crypto specific to the account.
- On monthly fee it ranks at position 322 of 379 brands compared, above the €0 typical of the category.
Who it suits
- Belgian customers who want a normal debit card and are happy to see €1.90 leave the account each month.
- People who would rather hold their money with ING Belgium SA/NV than with a crypto platform.
- Readers weighing a bank card against a crypto card who prefer a named bank entity over crypto linked extras.
Who should look elsewhere
- Bitpanda buyers, whose card runs at €0 inside a crypto account rather than a bank account.
- Wise customers, whose account is listed at £0 where ING Belgium asks €1.90 for the same basic card.
- Monzo Flex customers, whose account is listed at £0, which makes the €1.90 here hard to justify on a card of card type debit.
How ING Belgium compares
Charges €0 in the same currency as ING Belgium's €1.90, so the two are easy to compare directly.
Frequently asked questions
What does the ING Belgium card cost each month?+
The account carries a monthly fee of €1.90, charged by ING Belgium SA/NV for the debit card. That is a standing cost on the account rather than a one-off. Wise and Monzo Flex list £0 and £0, so ING Belgium asks more each month simply to hold the card.
Is the ING Belgium card a crypto card?+
No. The card type is debit (debit), so payments come straight from the bank balance rather than from a crypto holding. Card spending here is about cash in the account, which is a narrower fit for buyers moving crypto than for everyday retail use.
Which network does the ING Belgium card run on?+
The card sits on the mastercard network, so it takes payments wherever that network is accepted at a terminal or ATM. That covers everyday retail spending in Belgium and travel. For a card tied to crypto balances the network matters less than what funds the balance behind it.
Who is behind the ING Belgium card?+
The card comes from ING Belgium SA/NV, the legal entity named in its fee information. The money sits with a Belgian bank rather than with a crypto platform or a wallet provider, which is the main draw for customers who rank protection of the balance above crypto features.
How does the ING Belgium fee compare with other cards?+
ING Belgium charges €1.90 a month. Wise, Monzo Flex and Bitpanda list £0, £0 and €0 for their cards, so ING Belgium is the one carrying a standing charge in this group and the value of the card rests on the bank relationship.
Where does the ING Belgium monthly fee rank?+
On monthly fee the card sits at position 322 of 379 brands compared here, and its €1.90 is above the €0 typical across the site. Cost is the weak point, since the card adds no crypto functionality to set against it.
Who should pick the ING Belgium card?+
It fits Belgian customers who want an ordinary debit card, want their balance held by ING Belgium SA/NV and can live with €1.90 each month for everyday spending. It does not fit buyers paying straight from crypto balances, or who would rather hold an account at £0 or €0.
Sources
- assets.ing.com/m/4f78f60fd9714d80/pricing-list-private-ne... checked September 26, 2026
Backs: Card network
“Bancontact and Maestro or Mastercard networks - ING Lion Account card”
- assets.ing.com/m/c76bcb74c2d8d244/VerkoopAfstandBankkaart... checked September 26, 2026
Backs: Card type
“Is associated with an ING current account - ING Lion Account payment (debit) card”
- newsroom.ing.be/ing-belgium-revises-pricing-to-reflect-ma... checked September 26, 2026
Backs: Monthly fee
“Starting 1 July 2021, a monthly fee of 1,90 euros will be charged for the Lion Account”
- scribd.com/document/457380355/fee-information-document-in... checked September 26, 2026
Backs: Legal entity
“ING Belgium SA/nv - Bank - Avenue Marnix 24, B-1000 Brussels”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
ING Belgium
Everyday spending in Belgium on a plain bank debit card with a fixed monthly charge.