It's your Mortgage Day!
Benefits
Free
day to day banking with no quarterly fees for maintaining the account*
Free
contactless payments when using a Debit Card for purchases in Euro
Free
Direct Debit & Standing Order Processing
Tap & Pay
Apple Pay™, Google Pay™, Fitbit Pay™, Garmin Pay™ & Wena pay™
The benefits don’t stop there!
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There is no minimum balance required. |
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Free cashback.^ |
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Competitive Overdraft fees. |
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Paperless - eStatement and paper statement options |
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Customer service that fits around you – phone, web chat and social from 8am to 11pm, 7 days a week. |
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The KBC Current Account Plus is available to personal customers, i.e. your Current Account Plus may be used to operate and manage your personal financial affairs. For example you may receive wages and salary payments and pay personal and domestic bills.
Your Current Account Plus may not be used for any business, charity, club, society or other organisation.
You must be resident in the European Union.
You must be aged 60 years or over to open this account
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You may open a Current Account Plus in your sole name or in joint names with another person.
To open a joint account the main accountholder must be 60 years of age or over.
In the event of death of the main accountholder, if you the surviving accountholder are under 60 years of age you will not continue to receive the benefits of the Current Account Plus. Your account will then be subject to fees and charges and you can view these in our Fees and Charges booklet.
Please note: KBC Bank Ireland does not offer cash facilities at our hub locations and so are unable to cater for cash lodgements or withdrawals in our premises.
Here's how to apply
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What documents do I need to open a KBC Current Account?
Opening a Current Account should be something you can do anytime anywhere and with KBC it is. You can open your account with us across many different channels and we have called out the requirements for each below:
Online via KBC.ie
2 proofs of identity (e.g. 2 photo IDs)
2 proofs of address (must be dated within the last 6 months)Instant on boarding via the KBC mobile app
1 proof of identity and 1 selfie (in certain circumstances a second photo ID may be requested)
2 proofs of address (must be dated within the last 6 months)Over the phone
2 proofs of identity (e.g. 2 photo IDs)
2 proofs of address (must be dated within the last 6 months)In one of our Hubs
1 original proof of identity (e.g. 1 photo ID)
1 original proof of address (must be dated within 6 months)
Before sending your documents to us here are some handy guidelines to follow:
Proof of Identity:
Proof of Address:
The following documents are accepted for proof of address:- Utility Bill (Electricity, Gas, Landline Phone etc.)
- Current Account Bank Statement
- Credit Card Statement
Please note: All Proof of Address documents must be less than 6 months old at the time of application.
The App that does Pensions
Thumb-powered pensions! We even do pensions differently.
The Need-to-Knows
*Free day to day banking means you won’t be charged for day to day use of your account - like cash withdrawals and quarterly fees for maintaining the account. Fees and charges may apply for non-euro ATM cash withdrawals and using a debit card for purchases in foreign currency.
The KBC Current Account Plus is a Euro account. You cannot make lodgements to your Current Account Plus in any currency other than Euro.
^CashBack is at the retailers discretion and a purchase is required. A minimum amount may be necessary.
Current Account Plus Fee Information Document
Full details of the Terms and Conditions (pdf, 424 KB) can be found here.
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Applying for an Overdraft could not be easier!
If you live the kind of life that likes peace of mind, our overdraft facility is helpful for handling life’s little emergencies. Setting up your safety net is simple:
Apply Online, at any KBC Hub or by phone on 1800 51 52 53.
Find out more about our Overdrafts.
Lending criteria, underwriting, Terms and Conditions apply. The KBC Overdraft is subject to repayment capacity, financial status and is not available to persons under 18 years of age.
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If you live the kind of life that doesn’t like being charged for everything, you’ll love how much you can do for free with the bank of you:
No fees for...
- Cash withdrawal [ATM] transactions (within the SEPA Zone) denominated in Euro or cheque lodgements
- Internet and Mobile Banking Transactions
- Credit transfers into or out of your account
- Direct debit set up or processing
- Standing order set up or processing
- Using a debit card for purchases in Euro
Other fees and charges apply
Everything you need to know is in your Current Account Fees & Charges booklet (pdf, 66 KB). If you have any questions or if you would like anyone to explain any part of it - please just ask.
Customers aged 60 years or over are exempt from Account Transaction Fees (Maintaining the Account Fees, Cash withdrawals [ATM] within the SEPA Zone denominated in Euro or Cheque Lodgement Fees).