Overdrafts

Overdrafts

Flexibility when you need it

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Overdrafts for you

We’ve all been there – an unexpected expense before payday.

That’s why we’ve created an overdraft designed to give you flexibility and peace of mind when you need it.

Competitive rates

Flexibility to increase, decrease or cancel your overdraft whenever you want 

Available with the following accounts:
KBC Current account, KBC Extra Account, Over 60s current account.

Here's how to apply...

Over the phone

Give us a call to apply. You’ll get us on the phone 7 days a week from 8am to 11pm

In your Hub

You can make an appointment, or  just pop in and meet the expert team!

On the App

From opening an account to ordering a replacement debit card - you can do it all with the KBC App
Are you looking for a Joint Overdraft facility? Give us a call or drop into one of our Hubs. 
 

Banking on the go!

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View and manage your accounts from the comfort of your app.

The Need-to-Knows

Lending criteria, underwriting, terms & conditions apply. The KBC overdraft is subject to repayment capacity, financial status and is not available to persons under 18 years of age.

Please refer to our Current Account and Overdraft Fees and Charges (pdf, 155 KB) for full details of the interest rate and applicable charges.
  • You must hold a KBC Current Account and have mandated your salary to the account for at least 3 months to be eligible to apply unless you are switching in your primary current account (where your salary is mandated) to KBC .

    In order to process your application we may ask you to provide documentation to help us assess your ability to repay the loan, and to confirm your identity. From time to time we may ask you for further documents.

    Before being bound by a credit agreement, we are obliged to provide you with a standardised information document called the European Consumer Credit Information (‘ECCI’) form. It is designed to give you the best overview of the key information and terms and conditions of any credit agreement you consider, allowing you to compare the offers of different credit providers and select the credit offer that works best for you. The ECCI contains important details such as: the type of credit, amount and costs of credit, the Annual Percentage Rate (APR), as well as a note on important legal aspects.

    The European Consumer Credit Information form for the KBC Overdraft can be found above under the Forms section.

    To increase the limit, you will be required to complete an application which will be subject to credit assessment.
  • At KBC, we are here to help you in managing your Overdraft repayments. If you are concerned about meeting your Overdraft repayments or if you are currently experiencing financial difficulties, it is never too late to talk to us. We are committed to working with you to resolve your financial difficulties and to find 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 1850 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: 0761 07 2000
    Visit their website: www.mabs.ie