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The below documents contain important information relating to the Overdraft. We recommend that you read the documents and save a copy of them for your records
- Overdraft Terms and Conditions
- Current Account Fees and Charges
- Overdraft European Consumer Credit Information
- KBC Terms of Business
I confirm and acknowledge that:
I note that KBC Bank Ireland plc, its successors and assigns (“KBCI”) may undertake searches with credit reference agencies (including the Irish Credit Bureau and/or the Central Credit Register) as part of the application process and during the period of any credit facility provided by KBCI to establish my credit record. These searches will be conducted each time I apply for a new loan, overdraft or other credit facility and at the time of any extension or variation of an existing credit arrangement (e.g. annually in the case of an approved overdraft facility). Searches may also be conducted in the event of any breach by me of any credit agreement with KBCI and in the circumstances outlined in Clause 14 of the Personal Banking Terms and Conditions. Credit reference agencies may retain a record of such searches for a period of at least five years and they may disclose to anyone else carrying out a similar search of the other searches made against me in the previous two years. KBCI may use and retain any information received as a result of a credit search to (i) make credit decisions in relation to me and (ii) to review the operation, management and performance of a credit facility provided by KBCI and/or (iii) to help detect or prevent fraud and recover its property and/or (iv) for statistical purposes. I am aware that if I do not wish to consent to such searches being carried out KBCI may not be in a position to consider my application.
NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.