ATM Fees in Belgium
Euro (EUR) • Updated April 2026
Belgium has good ATM coverage with most bank ATMs free for foreign Visa/Mastercard. Card acceptance is excellent in cities but some smaller establishments still prefer cash.
Tips for Belgium
- • BNP Paribas Fortis and KBC ATMs are the most common
- • Bancontact is the local payment system - Visa/MC widely accepted
- • Avoid independent ATMs at tourist spots
- • Brussels is very card-friendly, Wallonia more cash-oriented
Airport tips
- • Brussels Airport has BNP Paribas Fortis ATMs
- • Train tickets to city center can be bought by card
- • Taxis from airport accept cards
- • Airport shops and restaurants accept all major cards
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Belgium, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $67.69-125 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $198-350 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $455-864 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Belgium.
Credit card acceptance
Very GoodCard acceptance is very good in Belgium, especially in Flanders. Bancontact (local debit) dominates but Visa/MC widely accepted.
Regional differences
- • Brussels: Excellent card acceptance
- • Flanders: Very good card acceptance
- • Wallonia: Good but more cash use in rural areas
You'll need cash for
- • Some smaller cafes
- • Markets
- • Frituur (fry shops)
- • Tips
- • Some parking
Cards usually accepted
- • Restaurants and hotels
- • Supermarkets
- • Public transport
- • Museums
- • Most shops
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BNP Paribas Fortis | 0 EUR | 0% | Visa/MC rate | 0 USD | 1,200 | — |
| KBC | 0 EUR | 0% | Visa/MC rate | 0 USD | 800 | — |
| ING Belgium | 0 EUR | 0% | Visa/MC rate | 0 USD | 700 | — |
| Belfius | 0 EUR | 0% | Visa/MC rate | 0 USD | 600 | — |
| Euronet | 4-5 EUR | 0% | +5-7% | ~8.00 USD | 400 | Avoid - high fees |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BNP Paribas Fortis | 0 EUR | 0% | Visa/MC rate | 0 USD | 1,200 | — |
| KBC | 0 EUR | 0% | Visa/MC rate | 0 USD | 800 | — |
| ING Belgium | 0 EUR | 0% | Visa/MC rate | 0 USD | 700 | — |
| Belfius | 0 EUR | 0% | Visa/MC rate | 0 USD | 600 | — |
| Euronet | 4-5 EUR | 0% | +5-7% | ~8.00 USD | 400 | Avoid - high fees |