76 Best Crypto Cards in Belgium 2026

What to Know Before Using Crypto Cards in Belgium

Tax

New 10% Capital Gains Tax

As of January 2026, a 10% tax applies to crypto gains for 'prudent' investors, ending Belgium's history as a tax haven for long-term holders.

Tax

€10,000 Annual Tax Exemption

Individual taxpayers can realize up to €10,000 in crypto gains per year tax-free before the 10% rate kicks in.

Tax

Every Spend is a Disposal

Using a crypto card to buy coffee or groceries is treated as a sale of crypto, potentially triggering capital gains tax on every transaction.

Banking

High Risk of Bank Freezes

Belgian banks are notoriously conservative and frequently block or delay transfers from crypto platforms if the source of funds isn't perfectly documented.

Regulation

Foreign Account Reporting Required

Residents must report any foreign crypto exchange or card accounts to the National Bank of Belgium’s Central Point of Contact (CPC).

Heads Up

The 33% Speculation Trap

If your card usage looks like frequent 'trading' rather than 'prudent' investing, authorities may tax your gains at 33% instead of 10%.

Common Questions About Crypto Cards in Belgium

1 Do I have to pay tax every time I use my crypto card in Belgium?

Yes, technically. When you pay for something, the card provider sells your crypto for Euros, which counts as a 'disposal.' If the value of that crypto went up since you bought it, that profit is taxable, though you only start paying once your total yearly gains exceed €10,000.

2 Will my Belgian bank block me from topping up my crypto card?

Most Belgian banks allow SEPA transfers to major providers, but they are very cautious. If you try to move large amounts of money back from a crypto platform to your bank, expect them to ask for detailed proof of where the money originally came from.

3 Do I need to tell the government about my crypto card account?

Yes. If your crypto card is provided by a foreign company or exchange, you are generally required to report it as a foreign account to the National Bank of Belgium. You also need to mention this on your annual tax return.

4 Is it better to spend stablecoins like USDC or USDT in Belgium?

Spending stablecoins is often easier for record-keeping because their value doesn't change much, meaning you likely won't owe much capital gains tax. However, you still need to track these transactions to prove the 'cost basis' of your funds to your bank or tax office.

5 What happens if I use my card for dozens of small daily purchases?

While small purchases are allowed, high-frequency activity can sometimes make you look like a 'speculator' rather than a normal investor. In Belgium, speculators can be taxed at a much higher rate of 33% plus local surcharges, so keeping your activity 'prudent' is key.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Belgium

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Gnosis Pay Card

4⭐

The Gnosis Pay Card is a self-custodial Visa debit card that connects directly to a Safe Smart Account on the Gnosis Chain blockchain. Users maintain complete control of their crypto assets while spending at any Visa-accepting merchant worldwide.

COCA Card

3.9⭐

COCA Card is a prepaid Mastercard offering high crypto cashback rewards and global spending flexibility. Issued via Wirex on the Mastercard network, it supports multiple stablecoins and requires pre-loading with funds converted to EUR.