Online and Mobile Support

Below you'll find some helpful information about our Online and Mobile Banking services.

Not a KBC customer? - Open a Current Account entirely through the KBC Mobile Banking app

Not a customer? Not a problem

You don't have to be an existing KBC customer to get online & mobile access. Our mobile banking app allows you to fully open a KBC Current Account, without needing to call into one of our hubs, or talk to anybody over the phone. Simply download the KBC Ireland Mobile Banking App for either Android or Apple, select "New to KBC" and follow the on screen instructions. Using your phone's camera, you can provide us with your proofs of ID and address.
 

Proof of ID - You'll need to upload two proofs of photo ID

  • Acceptable proofs of photo ID include a passport, a driver's licence (full or provisional) or a National Identity Card (EU Only)
  • If it's a driver's licence or a new Irish passport, you'll need to upload pictures of both sides of the ID card - the app will prompt you to do so
  • If it's an older Irish passport (booklet), you'll need to include the Photo ID page, and the Punch Code page directly above it in one picture
  • Proofs of photo ID must be in date
  • Ensure all four corners of the photo ID are in the picture, and that all text is clear and legible

Proof of address - You'll need to upload two proofs of address

  • Acceptable proofs of address include utility bills (e.g. mobile phone, gas, electricity), bank account statements, credit card statements or motor tax certificates
  • Proofs of address must have been issued within the last six months
  • Ensure all four corners of the proof of address are in the picture, and that all text is clear and legible

Click here for example proof of address

What if you don't have two proofs of photo ID?

If you can only provide one form of ID that’s ok. All you need to do is get your ID “Certified” in your local Garda Station or practicing Chartered & Certified Public Accountant. Certified simply means the ID is signed and stamped as a true copy of the original.

 

Existing Customers - Registering for Online & Mobile Access

How can I register for Online Banking?

Most of our customers are automatically registered for Online Banking. If you’re not, you can self-register online here. You’ll need your 8 digit account number and know your security information in order to be successful.

You’ll need to choose whether you wish to login using your Mobile or a Physical Digital Key

However ‘Mobile’ is the fastest option, you’ll receive an SMS with your login information and you can access your accounts straight away. If you choose your ‘Mobile’ log in method, you’ll need to download the KBC Mobile Banking App on your device. This will give you both Online and Mobile access and is the preferred option.

If you choose a Physical Digital Key, you will be send letters in the post with your Activation information and your Physical Digital Key.

How can I register for Mobile Banking?

To register for Mobile Banking, please call our Contact Centre on 1800 939244. We will then be able to send you an SMS same day to the mobile number we hold on file. Once you receive the SMS you are given instant access to your login information. You can then also use the app to access Online Banking.

How do I use the KBC App to access Online Banking?

After you’ve downloaded and opened the app, on the login screen do not enter your pin, simply click the option called Online Banking. Have Online Banking open on your PC or alternate Device. Enter your mobile PIN into your Mobile Device. Follow the following steps on Online Banking to login.

From the KBC Mobile Banking app menu follow the on-screen instructions:

- Enter your mobile banking PIN and then press press tick
- When you see SELECT press select press
- Enter your 10 digit Customer ID and select your Mobile Digital Key and then click Continue
- Take the code from the mobile Digital Key screen and enter it into the One Time Password (OTP) field on the screen. Click Continue

Can I have KBC Mobile Banking activated on more than one phone?

Yes. You can add mobile banking to another phone through both online banking and the KBC Mobile Banking App.
In Online Banking, go to the Security section, click “add mobile banking to another phone”, and simply follow the on-screen instructions.

In your KBC Mobile Banking app, go the Security section, click “activate mobile?” at the bottom of the screen, and follow the on-screen instructions.
 

Account details

What accounts can I register on Online & Mobile banking?

You can register the following accounts on Online & Mobile Banking.

  • Current Account
  • Fixed Term Deposits
  • Demand Deposits
  • Credit Cards

Why can’t I see all of my accounts online?

If your account is a Current Account, Fixed Term Account, Demand Deposit or a Credit Card and you cannot view this online, please contact our Customer Contact Centre who will arrange this for you.

If your account type is not in the list above, these are not yet available to be viewed in Online or Mobile Banking.

What account details can I see?

  • Available Balance
  • Current Balance
  • BIC
  • IBAN
  • Opening Date
  • End Date (if applicable)
  • Rate of interest (if applicable)
  • Last Bill Amount (credit Card only)
  • Next Payment Due (credit Card only)
  • Minimum Payment Due (Credit Card only)
  • AER (Savings accounts only)
  • Currency

Can I see my BIC and IBAN?

Yes, you can see both your BIC and IBAN from you dashboard.

Digital Keys

What is a Physical Digital Key?

The physical Digital Key is a small credit card sized device that looks like a calculator. The Digital Key creates 'One Time’ passwords (OTP’s) which are required for logging in and for making transactions. This is an extra level of security for your online accounts. It means that you need your Customer ID, your Digital Key and PIN to sign in and use Online Banking.

What is a Mobile Digital Key?

A mobile Digital Key is functionality within the KBC Mobile Banking app that allows you to log-in to Online Banking to use any additional functionality available. Please note: If you have downloaded the KBC Mobile Banking app, you can use your phone instead of a Physical Digital Key.

Managing Money

What services are available?

Account Services
  • Open an account – Exclusive Online Savings accounts available to open through online and mobile.
  • Check your account balances
  • View and filter recent transactions and payments on your account
  • View Credit Card Information
  • Open exclusive online only accounts
  • View your bank account number, BIC and IBAN
  • View eStatements & the ability to share directly from the app via email
Transactional Services
  • Transfer funds between your own accounts
  • Make quick transfers between your own accounts and to existing payees
  • Set up payees and transfer funds to third party accounts
  • Make once off payments without setting up a Payee in advance
  • Transfer funds to existing beneficiaries
  • Manage sweepers
  • Add and view standing order details

Can I search for a particular transaction?

You can search for a particular transaction in two ways. The first is to use the search icon on the transaction history screen. The second can be used to filter the transactions by a date range, amount range and type of payment (Incoming/Outgoing).

How do I make a once off payment?

You can make a once off payment by choosing “new recipient” on the transfer screen. Then enter the recipient’s BIC & IBAN. Once you enter the remaining information, you can then save the recipient as a payee if you think you’ll need it again. The payment will be made and if you saved the recipient, they will now be available as a payee

How do I make a bill payment?

To make a bill payment, you first need to set up your Biller information. When logged into online banking, navigiate to Manage Bills and click to add a bill. You will need to enter your Billers information.

Please note we currently only allow Credit Cards to be added. More Billers will become available in the future. To Add another type of biller, simply add it as a payee using the billers IBAN and ensure you use a reference to identify your account in the payment.

You can make a bill payment to an existing biller by choosing the transfer screen. When in the transfer screen, select the account from which the transfer is to be made, and choose the bill option. Enter the amount you wish to pay & continue the steps to commit the payment.
 

How do I view my pending transactions?

Your pending transactions are displayed in line with your regular transactions. Pending transactions are displayed in Grey with a pending (p) symbol indicating it is pending.

Transfer Limits

What is the maximum limit for transferring money to another bank?

Once logged in, you can transfer up to €5,000 per transaction up to a maximum of €15,000 per day via your smart phone  and online subject to availability of cleared funds and product rules.

What is the maximum limit for transferring money to another KBC account?

Once logged in, you can transfer up to €15,000 per transaction up to a maximum of €15,000 per day via your smart phone  and online subject to availability of cleared funds and product rules.

What is the maximum limit for transferring money to my own KBC accounts?

Once logged in, you can transfer up to €1m per transaction up to a maximum of €1m per day via your smart phone and online subject to availability of cleared funds and product rules.

Payees, Standing Orders, Sweepers and Direct Debits

How do I set-up a payee on Online Banking?

A payee is a person that you can send funds to/from your account using your Online Banking service. Prior to sending funds to a payee you will need to add their details using the “Manage Payees” option within the Transfers and Payments section. 

To add a payee, you will need to provide a Name, Nickname, Your reference (optional), Payee reference (optional), their Bank Identifier Code (BIC) & their International Bank Account Number (IBAN). Your Digital Key will be required to authorise payments.

Please note transfer of funds to payees can only be initiated from a KBC Current Account. If you do not have a KBC current account, you will not be able to transfer funds to a third party

How do I delete a Payee?

In order to delete a payee, go to the manage payee screen. Beside the payee you wish to delete you will find an X icon. Choose this icon & you will see a warning message confirming you wish to proceed to delete the payee. Once you commit the delete request, your payee list will be refreshed and the deleted payee will no longer display

How do I set up a Standing Order?

In Online Banking, navigate to the manage standing orders section, and choose Add Standing Order.

To set-up a Standing Order, you will need to complete the following details if you don’t have the payee already set up: From Account (Current Account only) Recipient Name, Recipient reference, their Bank Identifier Code (BIC) , their International Bank Account Number (IBAN), Amount, Frequency, Start Date.

Standing orders can only be setup from the 1st to the 28th of the month. It isn’t possible to change the details of existing Standing Order; however you can remove the existing Standing Order and create a new one if you wish.

How do I cancel a Standing Order?

You can cancel a standing order by selecting the ‘Standing Orders’ menu option in the transfer section; then select the standing order that you want to cancel and click the remove icon.

What accounts can I set up a standing order from?

You can set up a Standing Order to come from your Current Account only

What is a sweeper?

A sweeper is a unique feature of our Smart Move Online Demand Account. It enables you to save a unique amount each month by sweeping a remaining balance from your current account into the Smart Move Online Demand Account. You choose the balance and the date. For example, I wish to transfer any amount over €200 from my current account to my Smart Move Online Demand the day before I am paid, the 19th of each Month.

How do I set up a sweeper?

To set up a sweeper, you can choose Manage Sweepers under the transfer menu. Once on the Manage Sweeper page, click “add sweeper”. If this option isn’t showing, it may be because you don’t yet have a Smart Move Online Demand Account. If you don’t have a Smart Move Online Demand Account, this can be opened within Online Banking (see FAQ on how to open an Account Online)

How do I delete a sweeper?

You can cancel a sweeper by selecting the sweeper menu in the transfer section; then select the sweeper that you want to cancel and click the remove icon

How do I set up a direct debit?

In order to set up a direct debit, you must complete a direct debit form and return the original signed form by post to KBC Bank

How can I cancel a direct debit?

In order to cancel a direct debit, you must send an original written instruction by post to KBC Bank

Applying for new products

Can I open a savings account online?

You can open two different types of savings accounts in Online Banking:  a Smart Move Online Demand account or a 15 Month Instant Interest Fixed Term account.

Can I enquire about a mortgage in Online Banking?

Yes, click on the apply section and then to Mortgage, here you can start your inquiry and a representative from KBC bank will contact you back.

What is the maximum amount of accounts I can open?

You may only hold one single (and one joint with exception of online only accounts) of the following account types: Regular Saver Account, Smart Access Online Account, and 15 Month Instant Interest Account.

How do I fund the account?

You can fund your account by cheque, draft, from your current account or by external funds transfer. Please note, some accounts, such as the 15 Month Instant Interest account can only be funded once.

When can I start to make lodgements?

For the two online only savings accounts, once your account is verified you can fund your account. For all other accounts, as soon as it is opened you can fund it.
 

Technical Help

I need to speak with an online & mobile banking agent, what number should I call?

If you need to speak with an agent, please call our dedicated Online & Mobile Team on 1850 939244
 

Why can’t I see some/all of my accounts?

If your account is a Current Account, Fixed Term Account, Demand Deposit or a Credit Card and you cannot view this online, please contact our Customer Contact Centre who will arrange this for you.

If your account type is not in the list above, these are not yet available to be viewed in Online or Mobile Banking.
 

Do I need to use a particular browser for KBC Online Banking?

No, you do not need to use a particular browser; however we have optimised the following browsers which will give you the best experience.
  • Internet Explorer versions 9, 10, 11
  • Mozilla Firefox versions 39, 40
  • Safari 7 and 8
  • Chrome 44 and 45

I have a question that isn’t answered here, where can I find this information?

So you have a question, but cannot find the answer. Either contact us via webchat, contact us form or on 1850 93 92 44 and we will assist you in getting your answer.
 

Do I need to clear cache?

If you are experiencing an unexpected issue, it is advisable to clear your cache. The 'cache' is a tool used by your internet browser. It is like a local folder on your device that stores the details of the sites you regularly access in order to speed up the page loading process. Because sites change and develop over time, when a site is updated, the files saved in the cache may conflict with what's actually coded into the website. This may cause issues. This is why clearing your cache may resolve the issue you are experiencing.
 

Do I need to clear cookies?

Cookies are files that are saved on your hard drive, instead of representing content that's displayed on a website though, they represent settings selected by the individual person who's using the browser. Any time a site asks a user to select preferences, there's a good chance those preferences will be saved in a cookie. Because sites change and develop over time, when a site is updated, the cookies saved may conflict with what's actually coded into the website. This may cause issues. This is why clearing your cookies may resolve the issue you are experiencing.

I’ve just received an email asking me for my login details, what do I do?

At KBC Bank Ireland we are committed to protecting our customers from fraud and other online security threats. While we may contact you to discuss the operation of your account we will never contact you by email and ask for your personal banking details - like accounts numbers, PIN and other login details.

Never disclose your personal banking login or other details in response to any unsolicited request. It is your responsibility to ensure that you keep your personal banking login details safe. You should never disclose data over the internet unless you have satisfied yourself as to the security of the related technology/encryption.

Should you have any queries in relation to this please contact our customer support team on 1800 93 92 44

What should I do if I delete my Mobile Banking app accidentally?

If you delete your Mobile Banking app accidentally, firstly you will need to install the app on your Mobile phone.  

If you have a Physical key which you use to login, you can reactivate your login here.

If you use a Mobile Digital Key, you will need to call us on 1800 939244 to arrange to activate.
 

Why are you asking to access my camera?

To use  the  IBAN scanner functionality KBC needs access your camera. This scanner allows you to take a picture of the IBAN for a payment you wish to make rather than having to enter the full IBAN. If you don’t decide to use the IBAN scanner, we will not access your camera. However, if you do not allow access to the camera, you will not be able to access the KBC Mobile banking app.

Forgotten your user ID?

  1. Go to KBC Online Banking and choose Forgotten ID
  2. You will need to know the last 8 digits of your IBAN and your security information.
  3. Follow the steps and your User ID will be shown on screen