Important Customer Notice

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Important Customer Notice

KBC Bank Ireland would like to draw your attention to some important information.
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KBC Credit Cards

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Credit Cards Download Booklet

Here's what you need to know

We've put together some useful tips and frequently asked questions for you.

What's happening?
KBC Credit Cards will be moving to Bank of Ireland. Your credit card limit will remain the same. We have written to you with more information and next steps. In the meantime, we are here to help with any queries about your Credit Card.
What to expect...
If your account is included in the transfer we have written to you providing notice of the transfer and outlining what this means for your account. We will continue to ensure you are provided with plenty of notice of any changes in line with all legal and regulatory protections It is expected that the transfer will happen in quarter one 2023. Bank of Ireland will also write to you with important information.
What you need to do...
Please read all communications carefully to make sure you don’t miss any important information about your credit card. You should continue to make your KBC Credit Card payments as normal until your balance has been transferred to Bank of Ireland. If you’re worried about making your credit card payments, please get in touch with the KBC Arrears Support Team at 1800 936 287. Make sure your contact details are correct and up to date so we can keep you informed, and Bank of Ireland can contact you directly about the transfer of your credit card.
Your new Credit Card
Should your Credit Card transfer to Bank of Ireland, they will send you your new Bank of Ireland Credit Card and PIN along with clear instructions on how to activate your Bank of Ireland Credit Card and update your payment methods. Should your Credit Card transfer to Bank of Ireland, they will write to you to let you know what date your KBC Credit Card will stop working and when you can start using your new Bank of Ireland Credit Card. Once you start using your new card, we’d recommend you destroy your old KBC Credit Card.

Arrears Support Customers
If your Credit Card is in arrears or on an repayment arrangement, the information set out above also applies. Your current arrangement will remain in place and Bank of Ireland will get in touch with you with more details on how their Arrears Support Unit will support you in managing your Credit Card.

Credit Cards Help Hub

What's changing?

Are you an existing customer? We've put together some useful information for you to help you prepare for the changes ahead.

Your Personal...

Your credit card may be transferred to Bank of Ireland and we have written to you to let you know if your Credit Card account is included in the Transfer. If your credit card is in arrears please click here.

Where there are changes to your terms and conditions and/or where there are operational changes to how Bank of Ireland will manage your Credit Card Account, Bank of Ireland will clearly communicate these changes to you. All changes will be made in line with regulatory and contractual obligations, including providing you with sufficient written notice of these updates (at least 60 days). Bank of Ireland will also let you know when these changes come into effect.

We will continue to provide you with further information on what is happening to each of your accounts.

Important Info

Important Things to Know…

Once your credit card transfers to Bank of Ireland you may need to update your payment method. There is no need to do this until closer to the transfer date.

Please make any additional card holders aware of this information and of any future updates. 

Any Stamp Duty due will not be charged twice.

Top FAQs

Are you an existing customer and need some additional support check out our FAQs:

My Credit Card is due to expire, will I get a new one?

Yes you will receive a new credit card.

I receive a 1% cash reward for all grocery and online purchases I make on my KBC Credit Card. What will happen to the cash rewards if my Credit Card is transferred?

As of the 1st September 2022 the cash reward feature has been withdrawn.

Will my repayment date stay the same?

There will be no change to your current payment date. It is expected that your repayment date will remain the same but Bank of Ireland will be in touch with more details should your Credit Card transfer.

Will my payment methods stay the same?

Bank of Ireland will be in touch closer to the time with details on how to pay your new Credit Card.

Can I continue to make my Credit Card payments from my KBC Current Account?

For now you can continue to make payments as normal.

I have recurring payments on my KBC Credit Card, what do I need to do?

If you have payments or recurring payments from your KBC Credit Card (e.g., VHI subscription, Netflix) you should contact the service provider after your card has transferred to ensure the payments have been set up correctly.

Get in touch


We’re here to help. Phone us Monday to Friday from 8am to 8pm. Saturday and Sunday from 9am to 5pm.

Need help or support?

Get in touch

Important Information about your KBC Credit Card

Minimum payment is the greater of €5 or 5% of the statement balance.

Lending criteria, underwriting, and terms & conditions apply.

Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per account.

All information, prices and rates are for guidance only and do not form part of a legal contract, agreement or understanding.


  • Instalment Plan - Transactions over €500? Pay over 12, 18 or 24 months at a lower interest rate
    Interest Free Days - Up to 56 days interest free if you pay your bill on time and in full each month
    Low Interest Rate - Get a low interest rate of 14% (18.25% APR) with the KBC Credit Card

  • If you wish to find out how to change your credit card limit please contact us at 1800 93 92 44

    You can also call into any KBC Hub or complete this form (pdf, 56 KB) to request an increased limit and send it, along with the required documents (if applicable) to us at the address below; 

    KBC Credit Cards, 
    PO Box 12485, 
    KBC Bank Ireland plc, 
    Sandwith Street,
    Dublin 2.


  • Direct Debit
    You can automatically pay your Credit Card bill each month by direct debit. You can choose to pay a minimum monthly amount of 5%, 25%, 50% (subject to a minimum amount of €5) or 100% of the balance due as set out in your monthly statement. To set up your direct debit please contact us on 1800 93 92 44. If you avail of a 100% direct debit, the amount collected on the payment due date will be the total balance outstanding i.e. purchases and any balance transferred to us. As a result you could lose the benefit of any promotional rates. 

    Mobile App
    You can set up your Credit Card as a bill payment in the KBC Mobile Banking App. Once you do, you can easily pay what you want to your Credit Card each month. To set up your Credit Card as a bill, login to the KBC Mobile Banking App and select the dropdown menu in the top left-hand corner. Select ‘Transfer’ and then select ‘Bills’ from the menu at the bottom of the screen. Select the ‘+’ button in the top right-hand corner to set-up a new bill. Select ‘Category’ and select ‘KBC Credit Card’. Ensure that you insert the 16 digit Credit Card number in the ‘Biller Reference’ section. Enter your PIN on the next screen and that’s it.

    Credit Transfer
    If you are transferring money to your KBC Credit Card using a credit transfer, you will need the IBAN and BIC number – these are on the front page of your Credit Card statement. You must also include your 16 digit Credit Card number in the description or reference box, to ensure that the payment is applied to your account.

    Standing Order
    You can automatically pay a set amount each month (this is a Standing Order). You will need the IBAN and BIC number – these are on the front page of your Credit Card statement. You will also need to include your 16 digit Credit Card number in the description or reference box, to ensure the payment is applied to your account.

    You can post your cheque to:
    KBC Bank, P.O. Box 12485 Credit Cards, Sandwith Street, Dublin 2.
    Just send in your cheque with the payment instruction on your statement and allow 8 business days for the payment to clear. Always write your 16 digit Credit Card number on the back of your cheque or draft.


  • How do I set up an Instalment Plan

    Step 1:  Pay for the purchase on your KBC Credit Card. The purchase must be for €500 or more.

    Step 2:  Contact KBC Card Services on 1800-93-92-44 to request a transfer of the purchase to the Credit Card Instalment Plan.

    Representative Example
    Purchase Amount: €500
    Interest Rate: 8.64%
    APR: 8.99%
    Term: 12 months
    Monthly Instalment Amount: €43.64
    Cost of credit: €23.71
    Total Amount repayable: €523.71

    This is a representative example of a Credit Card Instalment Plan option at a variable rate of 8.64%. It is an estimate only and subject to rounding.

    Some Important Information
    You can have two Instalment Plans outstanding at any one time.Your instalment plan(s) cannot exceed 80% of your Credit Card limit.For a purchase to be eligible it must be allocated to the Instalment Plan by no later than the second monthly statement received after the date of purchase.

    Your minimum payment due each month will be detailed on your statement and will include your Instalment Plan repayment.Your available credit limit will be reduced by the amount of the instalment plan availed of. Your credit limit will be progressively reinstated each month once the monthly instalment repayment is paid.

    APR means Annual Percentage Rate.

    Please refer to the Terms & Conditions for additional information.

    Eligibility, Terms and Conditions apply.


  • With a KBC Credit Card we will give you 1% cash back on grocery and online purchases made with the card, up to €10 a month. This reward will be credited to your statement every month.

    Please note that to be eligible for the grocery reward, the retailer must be categorised under a ‘grocery’ merchant category code with MasterCard.


  • At KBC we're here to help you manage your credit card payments. If you’re concerned about meeting repayments or if you’re experiencing financial difficulties, talk to us. We’re committed to finding a workable solution:

    Credit Management Team
    The Credit Management team helps customers who may be at risk of experiencing financial difficulties. If you are worried about your financial circumstances, please contact a member of the Credit Management team today on 01 664 6300. We are open from 9am to 5pm, Monday to Friday.

    KBC Bank Ireland Arrears Support Unit
    Please contact us on 0818 930 235 if your financial situation has changed recently or you are concerned about your finances.

    MABS (Money Advice & Budgeting Service)
    The Money Advice & Budgeting Service is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
    MABS Helpline: 0818 07 2000
    Visit their website: