Compare Smile account with other accounts
We offer you detailed information about what other accounts and cards offer so that you can make the best decision
Account
100% Mobile
Deficit
Not allowed
Not allowed
Not allowed
Cash withdrawals
Foreign currency cash withdrawals
Money transfers
Direct debit
Mobile top-up
Life insurance and repatriation
(for new clients)
Social programmes
Card
Pricing
Free
€17,64
(€1,47/month)
Free
€10
€10
Maintenance
Free
Free
Free
Free
Free
Delivery time
10 days
5 days
immediately
15 days
15 days
contactless
(for new cards)
Personalisation
(Premium version)
Card type
Debit
Debit
Prepaid Debit
Debit
Debit
Partner
Mastercard
Maestro
Mastercard
VISA
Mastercard
In-store payment
Mobile payment in shops
E-commerce
(not systematic)
Cash withdrawals at ATMs
inside and outside the SEPA area
(usage outside Europe is conditional)
Withdrawal at official locations
(ATMs Only)
Cardholders
1
1
1
2
(hello offer)
1
Security
3D secure
Card reader
3D secure
Card reader
3D secure
Card replacement
€9
€10
€6
€9,90
€10
Opening
Locations for opening the account
Moneytrans branches, Shops, Moneytrans App, Website
On line, Belfius Agencies
Online, Bpost branches
Online (web or app)
Online (web or app)
Personalised assistance
Telephone, Email, Live chat, Branches, Social networks
Online, Belfius Agencies
Telephone, Agencies
Phone, Forum, Email, Social networks
Chat / Email
Minimum initial deposit
Free
Opening requirements
- Identity document
- Proof of residence in Belgium
- Mobile phone number
- Identity document
- Proof of residence in Belgium
- Mobile phone number
Other information likely*
- Identity document
- Mobile phone number
Other information likely*
- Identity document
- Proof of residence in Belgium
- 28 y/o Minimum
(Hello offer)
- Tax resident
- Identity document
- Proof of residence in Belgium
- Mobile phone number
Other information likely*
Annual maintenance
20€
€ 27
€18
€0
€0
Access to your account in app
Opening time
5 minutes
5 minutes
in minutes
4 minutes
8 minutes
Limits and costs
AMT cash withdrawal cost
Price charged by the ATM operator bank
€0,50
(non-Belfius ATM)
€4
€0
(EEA Zone)
Free
(up to 3 times a month)
AMT cash withdrawal cost outside the SEPA area
€5
€5 + 1% of the amount
€4 + 1.75% of the amount
(foreign currency)
0.30% of the amount + €2.86
1.7% of the amount
Cash withdrawal cost at an authorised branch or bank
€1,5
€0,5
(at the counter)
Not possible with bpaid
Included
No N26 branch
Cash deposit cost at authorised branches or banks
€0,5
Included
€3,5
Included
Cash deposit not available
Cost of bank account deposit
1% of the amount
Included
Cost per card deposit
3% (free the first time)
Cost per money transfer to another account of the same company
Free
Free
Transfers not available
Free
Free
Moneybeam
Cost per SEPA money transfer
2 free of charge per month
€3
(urgent electronic transfers)
Included
Free
Cost per international money transfer
Calculator
€9.86 (non SEPA
1.21% + other fees
1.7% of the amount
ATM cash withdrawal limit
€500 / month
€650/day
€500/day
€625/day
€1000 / day
€2500 / week
Cash withdrawal limit at branches
€300 / 7 days
€650/day
not possible with bpaid
€625/day
No N26 branch
Limit on contactless payments
Modificable
€50/operation
€50/operation
€25/operation
€50/operation
Limit on contactless payments
€2500/month
€2500/week
Amount available on the card
€2,500/week
€20,000/month
Limits on cash deposits
€950 / month
€3,000 / month
€2,500/ deposit
Limits on card top-ups from third-party accounts
€10,000 / month
€8,000/year
Limits on outgoing money transfers
€10,000 / month
€3,000/ week (via app)
Outgoing transfers not available
€2,500/day (without reader)
Unlimited (SEPA)
Limits on incoming money transfers
€10,000 / month
€24,000/ year
Unlimited (SEPA)
Account
100% Mobile
Deficit
Not allowed
Not allowed
Not allowed
Cash withdrawals
Foreign currency cash withdrawals
Money transfers
Direct debit
Mobile top-up
Life insurance and repatriation
(for new clients)
Social programmes
Card
Pricing
Free
€17,64
(€1,47/month)
Free
€10
€10
Maintenance
Free
Free
Free
Free
Free
Delivery time
10 days
5 days
immediately
15 days
15 days
Contactless
(for new cards)
Personalisation
(Premium version)
Card type
Debit
Debit
Prepaid Debit
Debit
Debit
Partner
Mastercard
Maestro
Mastercard
VISA
Mastercard
In-store payment
Mobile payment in shops
E-commerce
(not systematic)
Cash withdrawals at ATMs inside and outside the SEPA area
(usage outside Europe is conditional)
Withdrawal at official locations
(ATMs Only)
Cardholders
1
1
1
2
(hello offer)
1
Security
3D secure
Card reader
3D secure
Card reader
3D secure
Card replacement
€9
€10
€6
€9,90
€10
Opening
Locations for opening the account
Moneytrans branches, Shops, Moneytrans App, Website
On line, Belfius Agencies
Online, Bpost branches
Online (web or app)
Online (web or app)
Personalised assistance
Telephone, Email, Live chat, Branches, Social networks
Online, Belfius Agencies
Telephone, Agencies
Phone, Forum, Email, Social networks
Chat / Email
Minimum initial deposit
Free
Opening requirements
- Identity document
- Proof of residence in Belgium
- Mobile phone number
- Identity document
- Proof of residence in Belgium
- Mobile phone number
Other information likely*
- Identity document
- Mobile phone number
Other information likely*
- Identity document
- Proof of residence in Belgium
- 28 y/o Minimum
(Hello offer)
- Tax resident
- Identity document
- Proof of residence in Belgium
- Mobile phone number
Other information likely*
Annual maintenance
20€
€ 27
€18
€0
€0
Access to your account in app
Opening time
5 minutes
5 minutes
in minutes
4 minutes
8 minutes
Limits and costs
AMT cash withdrawal cost
Price charged by the ATM operator bank
€0,50
(non-Belfius ATM)
€4
0€
(EEA Zone)
Free
(up to 3 times a month)
AMT cash withdrawal cost outside the SEPA area
€5
€5 + 1% of the amount
€4 + 1.75% of the amount
(foreign currency)
0.30% of the amount + €2.86
1.7% of the amount
Cash withdrawal cost at an authorised branch or bank
€1,5
€0,5
(at the counter)
Not possible with bpaid
Included
No N26 branch
Cash deposit cost at authorised branches or banks
0,5€
include
€3,5
include
Cash deposit not available
Cost of bank account deposit
1% of the amount
included
Cost per card deposit
3% (free the first time)
Cost per money transfer to another account of the same company
Free
Free
Transfers not available
Free
Free
Moneybeam
Cost per SEPA money transfer
2 free of charge per month
€3
(at the counter)
included
Free
Cost per international money transfer
Calculator
€9.86 (non SEPA
1.21% + other fees
1.7% of the amount
ATM cash withdrawal limit
€500 / month
€650/day
€500/day
€625/day
€1000 / day
€2500 / week
Cash withdrawal limit at branches
€300 / 7 days
€650/day
Not possible with bpaid
€625/day
No N26 branch
Limit on contactless payments
Modificable
€50/operation
€50/operation
€25/operation
€50/operation
Limit on payments
€2500/month
€2500/week
Amount available on the card
€2500/week
€20,000/month
Limits on cash deposits
€950 / month
€3,000 / month
€2,500/ deposit
Limits on card top-ups from third-party accounts
€10,000 / month
€8,000/year
Limits on outgoing money transfers
€10,000 / month
€3,000/ week (via app)
Outgoing transfers not available
€2,500/day (without reader)
Unlimited (SEPA)
Limits on incoming money transfers
€10,000 / month
€24,000/ year
