In Belgium, personal checks are not used and incur a penalty with your bank. The easiest card to use is a debit card. Credit cards also have to be paid off at the end of the month and don’t carry a balance. Your credit limit is a portion of your monthly salary. Vending machines take a Proton card, which is like a pre-paid debit card for amounts less than 5 euros. It is great that people have to be more accountable with their money.