Beobank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Beobank suits people who want everyday spending and borrowing from a single Belgian bank: the current account carries a monthly fee of €0, and the credit card charges an APR of 11.49%. The catch is the credit card's annual fee of €5.
Key facts
- Best for
- Belgian customers who want a free to run current account beside a credit card priced at 11.49%.
- Annual fee
- €5 (Source, checked September 26, 2026)
- APR
- 11.49% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Official website
- beobank.be
Debit cards
Pros and cons
Pros
- A single bank handles both sides of spending: a debit card on a current account with a monthly fee of €0, and a credit card beside it.
- The credit card's APR of 11.49% is under the site median of 20.97% and under the credit group median of 20.85%.
- The monthly fee of €0 matches the site median of €0, so the current account costs nothing to run.
Cons
- The credit card's annual fee of €5 sits above the site median of €0, and the alternatives each list an annual fee of $0, £0 and $0.
- Anything carried on the credit card accrues 11.49% APR, below the site median of 20.97% but not interest free.
Who it suits
- Belgian customers who want everyday spending on a debit card with a monthly fee of €0.
- Borrowers who clear balances each month, since 11.49% sits under the site median of 20.97%.
- People who would rather hold spending and borrowing cards from the same bank.
Who should look elsewhere
- Wise, for anyone who does not want an annual fee on a card, since its annual fee is listed at £0.
- Varo Believe Secured Credit Card, on the cost of holding a card, listed at $0.
- Chime Card (Secured Visa Credit Card), for a secured card with an annual fee of $0.
How Beobank compares
Frequently asked questions
What does the Beobank credit card cost each year?+
The Beobank credit card carries an annual fee of €5. The site median annual fee is €0 and the upper quartile is €4.89, so the card sits at the pricier end of the field. The current account behind the debit card is separate and carries a monthly fee of €0.
What rate does the Beobank credit card charge?+
The APR on the Beobank credit card is 11.49%, which sits below the site median of 20.97% and below the credit group median of 20.85%. That makes it a cheaper place to carry a balance than most of the field, though a carried balance still accrues this rate until it is cleared.
What does the Beobank current account cost to keep?+
The current account carries a monthly fee of €0, which matches the site median of €0. Across the site, monthly fees run as high as €99 at the top end, so this account sits in the free part of the range. Spending runs on the card linked to that account.
Do I need both a debit card and a credit card from Beobank?+
Both products sit in this range: the current account card is listed as debit, with a monthly fee of €0, while the borrowing card is listed as credit, charging 11.49% and an annual fee of €5. A customer who only spends can stay with the debit card and skip the credit card's rate and fee.
Which of the listed alternatives costs less to hold?+
All three alternatives list an annual fee of $0 for Varo Believe Secured Credit Card, £0 for Wise and $0 for Chime Card (Secured Visa Credit Card). The Beobank credit card's annual fee of €5 is higher than each of them, so card cost is the reason to look elsewhere.
How does the Beobank annual fee rank against other cards?+
On annual fee, Beobank sits at position 218 out of 301 brands ranked on this site, so the charge is not at the cheap end of the field. The site median annual fee is €0, which is well under the €5 this card carries.
How does the Beobank credit card rate rank?+
The Beobank credit card ranks at position 25 out of 133 brands on APR, which places its 11.49% among the lower rates in the comparison. The site median APR is 20.97% and the credit group median is 20.85%, so borrowing here is priced below the middle of both groups.
Sources
- moneysaver.be/amp/card/beobank-visa-classic.html checked September 26, 2026
Backs: Annual fee, APR
“The annual subscription fee is 5 euro - Beobank Visa Classic”
- beobank.be/fr/payer/cartes-de-credit/extra-mastercard.html checked September 26, 2026
Backs: Card kind
- beobank.be/fr/payer/comptes-courants.html checked September 26, 2026
Backs: Card type
- beobank.be/fr/payer/comptes-courants/compte-go.html checked September 26, 2026
Backs: Monthly fee
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Rewards type.
Beobank
Belgian customers who want a free to run current account beside a credit card priced at 11.49%.