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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™
Is the Basic Current Account for you?
If you don't have a Current Account in Ireland, the Basic Current Account might work for you.
With the Basic Current Account you can:
Receive payments
Paying bills
Set up Direct Debits and Standing Orders
Access your account on the App
Free Euro Cash Withdrawals [ATM] & Cheque Lodgement fees
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.
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To be eligible for the KBC Basic Current Account you must meet the following criteria:
Currently not hold a Current Account with a bank in the Republic of Ireland- Be legally resident in the EU
- Be over 18 years of age
You may also be eligible if you currently hold a Current Account with a bank in the Republic of Ireland but have received notice that your account will be closed.
The account is provided free of charge for a period of 12 months, after 12 months have passed we will review your account and you may be moved to one of our other Current Account products if the following occurs:
Lodgements to the Basic Current Account over a period of 12 months must not exceed the national minimum hourly rate of pay multiplied by 2,080 (i.e. 40 hours x 52 weeks). If lodgements to the Basic Current Account exceed this limit we may at our absolute discretion change your Basic Current Account to the standard KBC Current Account to which the fees and charges as set out in the Fees and Charges Booklet will apply. Any such change will be notified to you in accordance with the Terms and Conditions.
Here's how to apply
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If you are applying for a Basic Current Account in one of our Hubs you will need to provide one original proof of photo ID and one original proof of address verification (issued in the last 6 months).
If you are applying online, over the phone or by post you will need to provide two proofs of photo ID and two proofs of address verification (issued within the last 6 months).
To make it easier you can email a clear scan/photo of your documents proofs and a fully completed application form to us at salesenquiries@kbc.ie or post the fully completed application form and photocopies of your document proofs to us at:
KBC Current Account Team,
FREEPOST,
PO Box 8666,
KBC Bank Ireland plc,
Sandwith Street,
Dublin 2.
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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.
There is no overdraft facility available with the KBC Basic Current Account.
You are not required to purchase any additional services in order to obtain a KBC Basic Current Account. The KBC Basic Current Account is a Euro account. You cannot make lodgements to your Basic Current Account in any currency other than Euro.
Basic Current Account Fee Information Document
Full details of the Terms and Conditions (pdf, 156 KB) can be found here.
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Free when using a Debit Card for purchases in Euro
Free Cashback*
Free Direct Debit processing
Free Standing Order processing
Free Internet and Mobile Banking Transactions
*CashBack is at the retailers discretion and a purchase is required. A minimum amount may be necessary.
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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...
- 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
Everything you need to know is in your Current Account Fees & Charges booklet. If you have any questions or if you would like anyone to explain any part of it - please just ask.
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Android, Google Pay and the Google Pay logo are trademarks of Google LLC. Works with most compatible NFC Android devices running 5+ (Lollipop) or higher.
Fitbit, Fitbit Pay, Fitbit Ionic and the Fitbit logos are trademarks or registered trademarks of Fitbit Inc. Fitbit Pay lets you make payments on the go directly from your wrist with your Fitbit Ionic watch and works with the Fitbit app on any compatible device running Android 4.4 (or higher) or on iPhone 5 (or later).
Garmin, the Garmin logo and the Garmin delta are trademarks of Garmin Ltd, or its subsidiaries and are registered in one or more countries.
wena and the wena logo are trademarks of Sony Ltd, or its subsidiaries and are registered in one or more countries.