Important update - Introduction of Negative Interest Rates to Business Deposit Accounts


Please note that we will be applying Negative Interest Rates to the below Business Deposit Accounts effective from 6th December 2021.

  • Business Smart Access Demand Account
  • Business Demand Deposit Account

Effective 6th January 2022 we will be applying Negative Interest Rates to the

  • Business Client Demand Deposit Account

Negative Interest Rates only apply to the balance of your account that is in excess of the thresholds. The threshold is €1,000,000 for all accounts.

The applicable Negative Interest Rates, Frequently Asked Questions and examples of how Negative Interest Rates are applied are available below.

Business Deposit Customers: please click here.

Business Banking Customers: please click here.

Click here for an updated Deposit Rate Matrix which is effective from 6th December 2021.


For Business Banking customers who have a Business Partner assigned to your account:

For all other Business Deposit  Customers, if you have any questions or if we can assist in any way, there are a few ways to get in touch:

  • Email us at  or call 1800 93 92 44

  • You can also call into any of our KBC Hubs. For a full list of locations, visit