Available online and at Moneytrans branches

Opening a current account as a foreign resident has never been easier! With the Smile Account, you can have your own account in a matter of minutes.

Smile to the first account that takes you into account

No hidden charges and no extra documents! The answer to all your financial needs in one single account!

Discover the bank-free account designed for international communities

*Minimum initial deposit of 5€ you can use instantly with a free wire transfer

An account for your daily transactions

Send and receive money

Deposit and withdraw cash

Make direct debit deposits

Paying bills in Europe or abroad *

Top up a mobile phone abroad *

Accident/disability insurance and repatriation of the body *

* Coming soon

Your online money transfers are 25% cheaper

With the Smile Account, you will take care of  your loved ones are no matter whether they are in Belgium or 5,000 miles away. You’ll be able to make international transfers at amazingly low prices in just a matter of minutes. Moreover, we will lower the commission on your international online money transfers by 25%! Choose from more than 140 destination countries, 80 different currencies, and an extensive network of payers worldwide. Manage all your national and international transactions with a single account!

Enjoy a free Mastercard

When you open your current account, you will receive a free Mastercard, which is  accepted worldwide – in stores, online, ATMs and partner agencies! What’s more, you can unlock rewards every time you use your Smile Account card! Discover more benefits of owning a Mastercard!

One place for your cash

Deposit and withdraw cash instantly at ATMs or at any one of our partner agencies with more than 3,000 branches throughout Europe.

Take control of your finances

With the Smile Account you have full control of your own finances! By managing your finances in a single account, you save time and money Transactions or checking your balance can be done in a single click. Giving you more time to enjoy the things you love most!

An account with the security of a bank but wihout

With no hidden charges

With no slowness nor complication

Without direct debit of salary

3 times less expensive

Ready to join the Smile Community?

Trusted by millions of customers all over the word. Thanks to our low-cost fees and our multi-service approach dedicated to residents of foreign origin, we allow millions of families to save money every day!

A three times safer bank-free account

Entity regulated and authorized by he National Bank of Belgium

Payment system verified by Mastercard & VISA

Advanced anti-fraud protection and data encryption technology

Entity regulated and authorized by the National Bank of Belgium

Payment system verified by Mastercard

Advanced anti-fraud protection and data encryption technology

More than just an account

This bank-free account will help enable financial inclusion for millions of citizens living abroad. Unlike traditional bank accounts, Moneytrans is specifically designed for foreign resident  communities by creating a simple and accessible account for  everyone.  An account that answers all your financial needs in one place, making life that little bit easier.


Account opening

Opening a Smile Account is really easy! Here’s how to do it:

When you open your Smile Account, you’ll have access to a Mastercard debit card completely free of charge. It will be sent to your home within 5 to 10 days from opening your account. The card and pin are sent separately

This is not a fee: this initial amount is required for the issuance of your card but will not be deducted from your account. You can then spend this amount as you wish.

Deposit of money

To open your Smile Account you have to be registered on our website. In addition to your personal details, we need you to attach a photo of your identity document and proof of your address. And that’s it! At Moneytrans we make things easy for you. To find out how to do it, click here

If you’ve already registered, you don’t need to do this! Simply start a session and apply for your Smile Account in your personal area.

Operating the account

To activate your card, you will need to make a purchase via a contact terminal or a cash machine withdrawal. You can then start using your card to make online or contactless payments.

Activation Debit Mastercard

The only way to check your balance is by creating a Moneytrans user account. If you have any difficulties in doing so, please do not hesitate to contact our Customer Service team.

On your web and mobile client space, through which you can consult and manage your account from A to Z, accessible via our web page: www.moneytrans.eu If you have opened your Smile account in one of our branches, ask for your client number in order to easily create your Moneytrans user account.

You will find all the data previously encoded in the agency. After having clicked on the “Registration” button, click on “Register with customer code”, insert your “customer number”, your “date of birth” and find all your data.

With the Smile Account you can send and receive payments with no hassle. You can do all this on our online platform. Find out how to manage your personal area here!

If you want to transfer money into your account, you can do it online or at one of our authorised offices.

What’s more, you can withdraw cash from your account at any of our offices.

You can do it in two ways: by going to your nearest authorised Moneytrans branch, where an agent will help you transfer the cash to your account, or via the app or website.

Deposit money

Solving any problems [you may have]

You will receive your PIN code and your Mastercard in two separate envelopes within approximately 12 working days. If after this time you still have not received them, please do not hesitate to contact us. If you have any questions, please contact us Monday to Friday from 9.00am to 19.00pm and Saturday from 9.00am to 17.00pm by phone on 0809 549788 or by email: [email protected]

A bank, internet provider, gym - you name it - doesn’t accept your IBAN and insists you need a ‘local bank account’? While that may seem legit, it’s illegal. It’s called IBAN discrimination, and it’s against the law.

Report your case of IBAN discrimination, and we will pass them on to the relevant authorities, saving you the hassle.

We’re here to put an end to this.


Certain purchases on the Internet, you must enter a security code to validate and finalise your transaction. As soon as you open your Smile account, we will instantly send you this code by SMS. Please keep this code in a safe place so that you can make your payments online as soon as you receive your Smile card. You will be able to modify this code via your customer area afterwards.

3D Secure Compte Smile

If your Mastercard debit card is lost or stolen, you can block it instantly from the app with a single click to ensure that no one can use it. You can select the “temporarily block card” option to unblock it at any time, or the “permanently block card” option and request a new card via the “replace card” option.

You can also request a new card by calling our Customer Service, as well as if you want to change your personal details, address or telephone number.

Information about your rights

Your account number, regardless of which EU country it’s from, should be accepted anywhere in the European Union. Your provider is breaking the law if they don’t accept your IBAN. Report your case, so we can stop it from happening again. All cases of IBAN discrimination submitted through this form will be anonymised. All personally identifiable information will be removed.

IBAN discrimination is when a bank or company doesn’t accept your IBAN because it’s not from the same country in which the bank or company is based.

For example, French IBANs look like this: FRXX XXXX XXXX, and instead, a German bank or company may insist you need a German IBAN which looks like this: DEXX XXXX XXXX, etc.

Let’s say you want to pay for your gym membership in Spain using your German IBAN: your Spanish gym would be guilty of IBAN discrimination if they didn’t accept your non-Spanish account number.

Contact us


Your questions are 7/7, so we are.

Get in touch with our 7-day support team that speaks your language whenever you need it. Contact us by phone, email, chat, social media or visit us in one of our 3000 agencies in Europe. You will always find our best smile.