# Donation crowdfunding · Belgium

Which platform delivers the most of every euro to Belgian recipients — and what the tax office expects from donors and fundraisers.

Belgium runs on Bancontact: it is the preferred online payment method for roughly 73% of Belgian consumers, and a Belgian donor expects to see it at checkout. Because Bancontact settles bank-to-bank rather than over card rails, platforms that support it natively and pass its cost through deliver more of each euro to the cause than those that route donations over credit cards.

Gifts of at least €40 a year to an approved (agréé / erkend) institution earn the donor an income-tax reduction, evidenced by a fiscal certificate (attestation fiscale / fiscaal attest). The headline rate was cut from 45% to 30% from income year 2025 — so a recent gift is worth less in relief than an older one — and the €40 floor is frozen until 2030. The donor and fundraiser sides of the tax question differ, which is why this guide splits them below.

On the financial side Belgium runs a twin-peaks model: the National Bank of Belgium (NBB) handles prudential supervision and the FSMA oversees market conduct. Donation- and reward-based crowdfunding falls outside the FSMA crowdfunding licence (it issues no securities). Donor data is governed by the GDPR, supervised by the Belgian DPA (APD / GBA), so platforms with EEA-only data residency carry a lighter compliance burden.

## Facts

|  |  |
| --- | --- |
| Currency | EUR |
| Regulators | National Bank of Belgium, FSMA |
| Payment methods | bancontact, card, paypal, sepa, apple-pay |

## Platforms

1. **4fund.com** — $100.00/$100 · Individuals, charities, and small organisations across the EEA who want a multilingual, no-commission fundraiser backed by an established Polish crowdfunding operator with EU payment-institution licensing.
2. **Kadonation** — $100.00/$100 · Benelux users organising social group gifts among friends, family, or colleagues who are happy to receive a gift card rather than cash, plus organisers wanting a low-cost donation-crowdfunding option in Belgium and the Netherlands.
3. **Supp.to** — $99.51/$100 · Dutch and Belgian individuals, groups and nonprofits that want a low, predictable per-donation fee with no percentage cut and no mandatory donor tips, plus an optional white-label or schools-focused (Sponsor.school) option.
4. **WhyDonate** — $98.35/$100 · EU nonprofits — 0% fee, Bancontact-native, fiscal certificates
5. **iRaiser** — $97.85/$100 · Established European nonprofits, foundations, hospitals, and cultural institutions that want branded, self-hosted fundraising tools — forms, peer-to-peer, crowdfunding, and events — under their own identity.
6. **Leetchi** — $96.85/$100 · Group collections and informal fundraisers
7. **GoFundMe** — $96.80/$100 · Personal causes — broad brand reach
8. **Yapla** — $95.80/$100 · Nonprofits, clubs, and associations in Canada and parts of Europe that want to run donations and fundraising inside a single tool alongside memberships, events, accounting, and contact management.
9. **Donorbox** — $94.55/$100 · Embeddable donation forms for any Belgian website
10. **Fundraise Up** — $93.50/$100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
11. **Steunactie** — $93.40/$100 · Dutch- and French-speaking community fundraisers in the Netherlands and Belgium - sports clubs, schools, churches and local nonprofits - that want a simple, VAT-transparent platform with weekly payouts and no minimum goal.
12. **GoGetFunding** — $92.80/$100 · Individual fundraisers running personal, medical, or emergency campaigns who prefer a fundraiser-paid platform fee over donor tipping, with broad international country availability.
13. **Chuffed** — $92.20/$100 · Nonprofits, social enterprises, and community-cause organisers in 29 supported countries who want a 100%-free, tip-funded platform and are willing to complete identity verification before launching.
14. **Steady** — $87.10/$100 · European creators, independent journalists, podcasters, and publishers who want recurring income from paying members rather than one-off donation campaigns.

## FAQ

### Which platforms work in Belgium?

The platforms in the table above operate in Belgium and support Bancontact and EEA data residency. The leaders on recipient-gets pass through Bancontact's low flat cost, while platforms that route most Belgian donations over card rails deliver less of each euro to the cause.

### Are donations tax-deductible in Belgium?

Gifts of at least €40 a year to an approved (agréé / erkend) institution earn an income-tax reduction — 30% from income year 2025, down from 45% — evidenced by a fiscal certificate. Total qualifying gifts are capped at 10% of net income. Gifts to individuals or to a personal crowdfunding page are not deductible. Confirm the current rate with FPS Finance.

### Will I be taxed on money I raise?

Genuine small gifts from many donors for a real cause are generally not taxable income. It changes if a gift is formally registered (regional gift tax applies), if the donor dies within the regional look-back period (inheritance tax), or if donors get goods or services in return (income / VAT). Recognised non-profits (ASBL / VZW) follow charity rules.

### What's the cheapest way to receive donations here?

A platform that passes through Bancontact's low flat fee. Because card processing charges a percentage, card-only routing is materially more expensive per euro — so native Bancontact support matters more than the platform brand.