Best Crypto Cards in Belgium (2026)

The FSMA (Autoriteit voor Financiele Diensten en Markten / Autorite des Services et Marches Financiers) regulates crypto in Belgium under the EU's MiCA (Markets in Crypto-Assets) framework. The FSMA has been active in issuing warnings about unregistered crypto platforms and enforcing advertising rules.

The NBB (Nationale Bank van Belgie / Banque Nationale de Belgique) oversees payment-related regulations and systemic risk. Belgium's approach aligns with broader EU policy under MiCA, which provides a unified licensing framework across the EEA.

Bybit, Bitget, OKX, Crypto.com, and Coinbase all serve Belgian residents under their EEA licenses. Bitpanda (Austrian, EEA-licensed) has strong Benelux presence. Kraken (1% cashback) also serves Belgium.

MiCA compliance ensures all EEA-licensed issuers meet unified consumer protection standards across Belgium and the EU.

Belgium's crypto tax hinges on the "bon pere de famille" (goede huisvader) doctrine: gains from "normal management of private wealth" are tax-free, while speculative gains are taxed at 33% plus municipal surcharge (~33-36% effective).

Example: You bought 1 ETH at EUR 500 and spend it when it is worth EUR 3,000. If you held for years as part of a diversified portfolio (normal management), the EUR 2,500 gain is tax-free. If you bought it last week hoping for a quick flip (speculation), the gain is taxed at 33% = EUR 825.

The distinction depends on: holding period, frequency of trades, portfolio diversification, use of borrowed funds, and whether crypto represents a disproportionate share of your assets. Long-term holders spending through a card have a strong argument for "normal management."

Stablecoin spending eliminates the speculative vs normal management ambiguity entirely. If you are uncertain about your classification, USDC funding keeps you cleanly at 0%.

Belgian crypto card applications require a Belgische identiteitskaart / carte d'identite belge (Belgian eID) for citizens, or residence permit for foreign residents. The Rijksregisternummer / numero de registre national (11-digit national register number) may be required.

Proof of Belgian address via utility bill (elektriciteit/gas), bank statement, or commune registration document. EEA-licensed issuers have streamlined KYC for Belgian residents using eID.

Physical cards ship to Belgian addresses within 5-10 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.

Normal Management = Tax-Free Spending

If your crypto card spending qualifies as "normal management of private wealth" under Belgian tax law, gains are completely tax-free. Long-term holders who spend through a card (rather than actively trading) have a strong case for this classification. Hold for months/years, diversify your portfolio, and avoid leverage.

Card Selection by Use Case

• Bitget (8% cashback, free): Best all-around card
• Bybit (up to 10% VIP): Best for high-volume Bybit traders
• Crypto.com (up to 5%): Best for lounge access at BRU (Brussels Airport)
• KAST (2% cashback, free): Best no-fee starter card

Spending Scenario: EUR 2,500/month

Under normal management, both approaches yield EUR 2,400/year tax-free. If your status is uncertain, USDC eliminates the question entirely.

EUR Settlement Advantage

Belgium uses EUR, and most crypto cards settle in EUR for EEA countries. This means zero FX conversion on domestic and eurozone purchases. FX fees only matter when traveling outside the eurozone (UK, Switzerland, Scandinavia). Zero-FX-fee cards still save 1-2% on those trips.

Local Payment Infrastructure

Card acceptance is near-universal across Belgium. Contactless Visa/Mastercard works at Colruyt, Delhaize, Carrefour, and virtually all retailers and restaurants. Bancontact/Payconiq dominates domestic mobile payments (bank-only) but Visa/Mastercard contactless is accepted alongside it. Apple Pay and Google Pay are widely supported.

EEA exchange cards: Bybit (up to 10%), Bitget (8%), OKX (5%), Crypto.com (up to 5%), and Coinbase (4%) all serve Belgian residents under EEA licenses.

Benelux presence: Bitpanda (1%, Austrian EEA-licensed) has strong Benelux coverage. Kraken (1%) also serves Belgium.

Domestic: Bit4You is a Belgian-registered exchange but does not offer a card product. Belgium's crypto market relies primarily on EEA-licensed international platforms.

Self-custody options: Gnosis Pay (free), Bleap (2%), and MetaMask (virtual) offer self-custody spending for Belgian users wanting wallet control.