Belgium Payment Methods & Currency Exchange Guide

Belgium uses the Euro (EUR) as its official currency. Payment systems are modern and widely accessible, with contactless and mobile payments prevalent in urban areas.

• Official currency: Euro (EUR)
• Accepted payment methods: Cash, major credit/debit cards (Visa, Mastercard, Maestro), and mobile payments (Apple Pay, Google Pay, Bancontact, Payconiq by Bancontact, Alipay in some locations)
• Contactless payments: Widely accepted in shops, restaurants, and public transport
• ATM availability: Extensive network; international cards (Visa, Mastercard, Maestro) generally accepted; some ATMs may not accept certain foreign cards
• Currency exchange: Available at banks, airports, exchange offices (e.g., Travelex); rates and fees may vary
• Foreign currency restrictions: No restrictions on bringing in or taking out foreign currency, but amounts over EUR 10,000 (or equivalent) must be declared to Belgian Customs
• Cash import/export limits: Up to EUR 10,000 (approx. USD 10,800) can be brought in or taken out without declaration; amounts above must be declared at customs
• Transaction fees: Foreign card transactions may incur fees (typically 1–3%); check with your card issuer
• Common payment issues: Some small businesses may accept cash only; always carry some cash for small purchases
• Major banks: BNP Paribas Fortis, KBC, ING Belgium, Belfius
• Regulations: Belgian National Bank oversees payment systems; anti-money laundering rules apply to large cash transactions