Business banking fees in Belgium what accounts cost and how to compare

Snapshot

Business account fees in Belgium range from no monthly fee with some neobanks to roughly EUR 24 to EUR 150 a year in packages at traditional banks, as of 22 January 2026. Transfer, card and cash handling fees are charged separately and vary by provider and plan.

Cheapest fee: No monthly fee with N26 Business for sole traders and freelancers, as of 22 January 2026.
Typical traditional bank: About EUR 24 to EUR 150 a year at BNP Paribas Fortis, and about EUR 45 a year for the KBC Business PRO account, as of 22 January 2026.
Free option: Yes for sole traders and freelancers. Company accounts usually carry a fee.
Providers compared: 10 or more business accounts

Fees and features as of 22 January 2026Last reviewed 22 January 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Most business accounts in Belgium charge either an annual package fee at a traditional bank or a monthly fee at a neobank, with separate charges for transfers, cards, cash handling and currency conversion. Traditional banks such as BNP Paribas Fortis and KBC bundle services into a package, while neobanks such as N26 Business, Qonto, Revolut Business and Wise Business publish low or zero headline fees for smaller users. The reliable way to compare is to total the monthly or annual fee plus the per item charges for your usage. Figures below are shown as of 22 January 2026.

What business accounts cost in Belgium

A Belgian business account fee usually has several parts: a monthly or annual account fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, and currency conversion costs on foreign payments. Traditional banks tend to bundle a set of services into an annual package fee, then charge for extras. Neobanks tend to advertise a low headline fee and charge for items such as cash handling or transfers beyond a monthly allowance. Comparing only the headline fee can mislead, so add the items your business actually uses.

Account fees at banks and neobanks

Annual package fees at traditional banks commonly run from about EUR 24 to EUR 150 a year at BNP Paribas Fortis, with the first year often free for starters, and about EUR 45 a year for the KBC Business PRO account, all as of 22 January 2026. Neobanks publish lower headline fees, with N26 Business at no monthly fee for sole traders and freelancers and Qonto from about EUR 9 a month excluding VAT. Confirm current figures with the provider.

Transaction, card and cash fees

Beyond the account fee, watch the per item charges. SEPA transfers and direct debits may be included up to an allowance, then priced per item. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at traditional banks and may be unavailable at neobanks. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Read each fee schedule for the current figures.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider

The monthly or annual account fee and what it includes. BNP Paribas Fortis packages run from about EUR 24 to EUR 150 a year and the KBC Business PRO account is about EUR 45 a year, as of 22 January 2026.
Transfer, direct debit and card fees, plus any allowance of free transactions before charges begin. Neobank plans such as N26 Business at no monthly fee and Qonto from about EUR 9 a month differ widely in what counts as free, as of 22 January 2026.
Cash deposit and withdrawal fees, and currency conversion costs. Neobanks often limit or decline cash handling, while multi currency providers such as Wise Business price foreign exchange separately. Verify current figures with the provider.

How to compare fees

List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
Total the monthly or annual fee plus the per item charges for your usage at each provider. Note whether quotes include VAT.
Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline fee. Confirm the current schedule with the provider before opening.

Compare business accounts available in Belgium

These providers accept business customers in Belgium. Fees and eligibility shown as of 22 January 2026. Confirm current terms with the provider before applying.

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Questions about business banking fees in Belgium

What is the cheapest business account in Belgium?

N26 Business is advertised at no monthly fee for sole traders and freelancers as of 22 January 2026. The cheapest option overall depends on your transaction mix, since transfer, card, cash and currency fees add to the price. Compare the full fee schedule with the provider before applying. This is general information, not advice.

How much do traditional Belgian banks charge for a business account?

Package fees commonly run from about EUR 24 to EUR 150 a year at BNP Paribas Fortis, with the first year often free for starters, and about EUR 45 a year for the KBC Business PRO account, as of 22 January 2026. Confirm current pricing with the bank.

Are there hidden fees on Belgian business accounts?

Fees are published in each provider fee schedule, but the headline fee rarely tells the whole story. Watch for per transaction charges, cash handling fees, limits on free ATM withdrawals and currency conversion costs. Add the items you use to compare fairly. Verify current figures with the provider.

Do neobank business accounts charge for transfers in Belgium?

It varies by provider and plan. Some plans include a monthly allowance of free SEPA transfers and charge beyond it, while others charge per transfer or per extra card. Foreign currency payments are usually priced separately. Check the current plan details with the provider, since pricing changes.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 22 January 2026. Confirm current terms with the provider before applying.