Belgium is served by a mix of cross border neobanks and traditional banks with online onboarding. As of 18 March 2026, providers such as Qonto, Revolut Business, Wise Business, N26, Finom and bunq offer fast online accounts, while KBC, BNP Paribas Fortis, Belfius and ING Belgium offer online onboarding with a Belgian IBAN.
- Who it suits
- Freelancers, sole proprietors and small companies that want fast online onboarding
- IBAN
- Several neobanks issue a euro IBAN from another country, traditional banks issue a Belgian IBAN
- Watch for
- Structured communication support, direct debit limits and cash handling
- Cost
- Free to low cost plans common, as of 18 March 2026. Verify with the provider.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How online accounts and neobanks work in Belgium
A neobank business account is opened and run mostly through an app or website, with onboarding that can complete in a day rather than a branch visit. The trade off is that several neobanks operate on a euro IBAN issued from another country and may handle cash, lending and some local payment formats differently from a Belgian bank. Traditional Belgian banks now offer online onboarding too, with a Belgian IBAN and the option of a branch relationship. The right fit depends on how you get paid, whether you deposit cash, and how much you deal with Belgian public bodies.
The neobanks serving Belgium
As of 18 March 2026, Qonto offers a business account from about EUR 9 per month with invoicing and accounting tools, though it issues a French euro IBAN to Belgian customers rather than a Belgian one. Revolut Business holds several currencies and, in the European Economic Area, provides a local euro IBAN. Wise Business focuses on multi currency holding and low cost international transfers. N26 offers a free Business Standard plan and a paid Business Smart plan at about EUR 4.90 per month on a German IBAN, and Finom offers a free entry plan on a European IBAN. bunq offers app based accounts on a Dutch IBAN. Verify the current plans, fees and IBAN country with the provider.
Traditional banks with online onboarding
As of 18 March 2026, KBC, BNP Paribas Fortis, Belfius and ING Belgium let many businesses apply online and issue a Belgian IBAN, which suits firms that want a branch, broader lending or cash handling. ING Belgium has offered a period of free banking for starters, and the BNP Paribas Fortis Hello bank Pro current account has been offered free to sole proprietors. Confirm the current offer and conditions with the bank.
What to check before you choose
When comparing online accounts and neobanks in Belgium, check these points, as of 18 March 2026. Verify with the provider
- Whether the euro IBAN is Belgian or from another country, and whether your payers and administrations mind.
- Support for structured communication, the reference format used on many Belgian payments to public bodies.
- Cash deposit options, direct debit limits and any overdraft, if your business needs them.
- The monthly fee, transaction costs and the conditions that waive them.
Compare business accounts available in Belgium
These providers offer online business accounts to customers in Belgium. Fees and eligibility shown as of 18 March 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business banking in Belgium
What is a neobank business account?
Do Belgian neobanks give a Belgian IBAN?
Can a neobank handle Belgian government payments?
Are online business accounts cheaper than traditional banks?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 18 March 2026. Confirm current terms with the provider before applying.