Startups in Belgium are well served by online business accounts. Providers such as Qonto, Revolut Business and Wise Business accept Belgium registered companies, with a Belgian IBAN, expense cards and multi currency accounts for cross border work.
Suits startups best
Depends on stage. Qonto suits everyday admin and accounting at incorporation, while Revolut Business and Wise Business suit cross border spend and revenue.
Typical monthly fee
EUR 0 to about EUR 50 a month depending on plan, as of 8 May 2026.
Capital deposit
Forming an NV or SA needs a bank certificate confirming deposited capital, while a BV or SRL needs adequate initial capital rather than a fixed minimum. Verify with a notary and the provider.
Providers that fit
Several. At least three providers accept this profile in Belgium.
Fees and features as of 8 May 2026Last reviewed 8 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Startups in Belgium usually incorporate a BV or SRL, or an NV or SA for larger raises, then need an account that scales with hiring and cross border spend. As of 8 May 2026, Qonto offers a Belgian IBAN with invoicing and accounting exports for new companies, while Revolut Business and Wise Business suit ongoing spend, cards and multi currency work. Confirm current terms with the provider.
What startups in Belgium need from a business account
A new Belgian company registers with the Crossroads Bank for Enterprises and, for an NV or SA, deposits share capital and obtains a bank certificate before registration. After that it needs an account that handles team cards, supplier payments and, for many startups, revenue and costs in more than one currency. The features that matter most are a smooth setup, clear card controls for a growing team, multi currency accounts for international work, and accounting integrations. A traditional bank can still help where lending or a longer relationship matters, so weigh the trade offs.
Q
Qonto
Belgian IBAN with invoicing, expense cards and accounting exports for new companies. Accepts companies in formation. Limited cash handling.
It depends on your stage. As of 8 May 2026, Qonto suits incorporation and everyday admin, while Revolut Business and Wise Business suit cross border spend, cards and multi currency revenue. Compare the features you use and verify current terms with the provider.
Do I need to deposit share capital to incorporate?
It depends on the form. As of 8 May 2026, forming an NV or SA requires a bank certificate confirming deposited share capital, while a BV or SRL needs adequate initial capital and a financial plan rather than a fixed minimum. Confirm the current process with a notary and the provider.
Do these accounts work for a non resident founder?
Often yes, for a Belgium registered company, though identity and beneficial ownership checks are stricter and some providers ask for a local registered office. As of 8 May 2026 the position varies case by case, so verify with the provider.
Do startups get multi currency accounts?
Yes. As of 8 May 2026, Wise Business holds and receives more than 20 currencies and Revolut Business holds several on its plans, which suits startups paying or earning abroad. Conversion costs vary, so confirm with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 May 2026. Confirm current terms with the provider before applying.