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How can I lodge a cheque to my KBC Current Account or Deposit Account?

You can lodge a cheque to your KBC Current Account or Deposit Account (where the account allows) by visiting one of our Hubs or posting the cheque to KBC Bank Ireland Plc, PO Box 12421, Sandwith Street, Dublin 2 along with your account details.

How do I lodge an “a/c payee only” cheque?
A cheque which is crossed with “a/c payee only” must be lodged directly into the KBC current account or deposit account of the named payee. Cheques crossed with “a/c payee only” can also be lodged to a KBC joint account where one account holder is the same name as the account payee on the cheque.

When will I receive my deposit statement?

2017 annual statements are currently being issued and all customers will receive their statements over the coming weeks in early 2018.

Why, in some cases, are multiple debit and credit entries appearing on my account statement?

You may see an additional debit and credit (called ‘System Adjustment’) on your transaction history. This was a necessary result of our system upgrades as we work to provide an enhanced banking service to our customers. There is no impact to your account. There is no change to the balance on the account and there is no interest impact.

What is the meaning of V/D on my account statement?

V/D is short for Value Date and is confirmation of the date that we received your funds and from which date you will receive ‘value’ or interest. It some instances it may be different from the date that appears on your statement as this is the date the transaction occurred on your account.

Why is the interest explanation note on some statements appearing differently?

There are 3 ways that your interest may appear on your statement depending on the account and the type of transaction:

1. Account Rollover - The Credit from the total interest is shown on one line and credited to your account. There is also a line below ‘Interest – Capitalise’ which highlights that this credit is worked out by taking interest less Dirt = credit

2. Interest at Maturity -   The Credit from the total interest is shown on one line and credited to your account. On the following line of your statement the DIRT is deducted. The final line shows the NET interest paid from your account.

3. Account Closure - If you have closed your account or are moving to a different product the interest entries will appear on individual lines. This includes the interest credited to your account. On the following line the DIRT amount deducted and the NET interest repayment that was paid from your account. The final line shows the closure of your account and balance paid from your account.

Information on CRS and FATCA for Personal Banking Customers

Common Reporting Standard (CRS) and Foreign Account Tax Compliance Act (FATCA)
Tax Advice
We recommend you contact a professional and independent tax advisor to discuss your personal tax situation, to help you understand the international regulations and ensure you comply with them. We do not offer tax advice and are unable to help you decide your tax status or guide you with filling in forms. We can however provide some general explanatory information which we have included below.
What is the CRS?
The CRS was approved by the Organisation for Economic Cooperation and Development (OECD) in 2014, and is a new single global standard on Automatic Exchange of Information (AEOI). The aim of CRS is to have a globally co-ordinated approach to the disclosure of financial account information in respect of individuals and organisations, in order to combat tax avoidance. The CRS imposes on all financial institutions in participating jurisdictions, duties of identification, classification and reporting of accounts held by reportable customers to its local country tax authorities. There will then be a reciprocal automated exchange of this information between tax authorities in participating jurisdictions. Section 891F of the Taxes Consolidation Act 1997 implements CRS into Irish Law.
What is FATCA?
The Foreign Account Tax Compliance Act (FATCA) is a piece of U.S. legislation. Its aim is to combat tax evasion by U.S. citizens and residents who hold assets off-shore by improving the exchange of information between the U.S. and foreign tax authorities. In December 2012, the Irish Government signed an agreement with the U.S. in relation to the implementation of FATCA in Ireland. The agreement provides for the automatic reporting and exchange of information on an annual basis in relation to Financial Accounts held in Irish Financial Institutions by U.S. persons, and the reciprocal exchange of information regarding U.S. Financial Accounts held by Irish residents. Section 891E of the Taxes Consolidation Act 1997 implements FATCA into Irish Law.

What is the impact of FATCA and CRS on You?
When opening personal accounts, we have a legal requirement to obtain a CRS and FATCA Self-Certification from the customer as part of the account opening documentation. This Self-Certification is required to (a) determine whether the account holder is a U.S. Citizen, (b) determine the account holders’ residence(s) for tax purposes, and (c) obtain the applicable foreign Tax Identification Number (TIN) if appropriate. We must also confirm the reasonableness of the Self-Certification based on information obtained in connection with the account opening. If customers do not provide all the information requested, we will not be able to proceed with opening the new account until the relevant information is provided.
If a personal customer is a U.S. Citizen and/or has a tax residence outside of the Republic of Ireland and does not provide us with a foreign TIN*, we cannot open the account. (*except in limited circumstances e.g. where foreign country does not issue TIN)
We are obliged to submit an annual return to the Irish Revenue providing information on reportable customers (e.g. U.S. Citizens and other customers who are tax resident outside of the Republic of Ireland). The Irish Revenue will then forward this information to the relevant participating jurisdiction.
Under the CRS and FATCA, we are required to undertake certain identification and due diligence on our customers. We may contact customers requesting that they complete a CRS and FATCA Self-Certification form. If the customer does not provide us with a completed Self-Certification we may be required under law to provide some of your details to the Irish Revenue as someone who has not replied. Providing a completed Self-Certification form will help us to decide if we need to share your information or take you out of scope of reporting.
Who will be reported?
U.S. citizens and persons who are resident outside of the Republic of Ireland for tax purposes are reportable.
What information will be reported?

If a customer has a tax residency outside of the Republic of Ireland or are a U.S. Citizen, we are required to report the following details in respect of all accounts that a customer holds with us to the Irish Revenue (where relevant): name, address, date of birth, place of birth, account number, U.S. citizenship and/or jurisdiction(s) of residence, Tax Identification Number (TIN), account balance at year end and interest payments made during the calendar year. Irish Revenue will report this data to the tax authorities of each participating country where the customer is tax resident or to the IRS in the case of U.S. citizens.
Information on Tax Residency and Citizenship

Tax residence relates to where you live, and citizenship relates to where you were born or the country of your passport. You can be tax resident in one country and a citizen of another. Each country has its own rules on tax residence.
Further information on U.S. Citizenship and tax residence is available at https://www.irs.gov/individuals/international-taxpayers
Further information on tax residency of jurisdictions is available at
What is a TIN?
A Taxpayer Identification Number (TIN) is a generic term for the unique reference number held for an individual or entity issued by the relevant Tax Authorities. For example this might be your National Insurance Number or Social Security Number for individuals. For entities, this might be your Employer Identification Number, Unique Business Reference or Corporation Tax Number. Other examples can be found via the Tax Identification Numbers (TINs) webpage: http://www.oecd.org/tax/automatic-exchange/crs-implementation-and-assistance/tax-identification-numbers/#d.en.347759

Unable to provide a U.S. TIN

Where a customer is a U.S. citizen by reason of having been born in the U.S.A., we cannot proceed to open the account where the customer is unable to provide us with a U.S. TIN. Where a customer advises that they have never received a U.S. TIN, in order to open an account, the customer must apply to the U.S. for a TIN, or, renounce their U.S. Citizenship. The FATCA FAQ’s for U.S. Citizens at the following link gives more information on how this can be done. This direction has been received from the Irish Revenue. http://www.revenue.ie/en/companies-and-charities/international-tax/aeoi/what-is-the-foreign-account-tax-compliance-act-fatca.aspx

When might you have to recomplete a Self-Certification form?
  • If you have not completed all the mandatory sections of the form
  • If the TIN is missing without explanation or in an invalid format
  • If the form is not signed and dated correctly
  • If the person signing the form is not listed as an authorised signatory on our records for the account or does not have the capacity to sign on your behalf
  • Altering the documents would also mean we would have to send them back to you. For example:
    • If you cross out any information, including the pre-printed text,
    • If you over-write any information, or use correction fluid to change the content
  • If you haven’t submitted all the relevant additional documentation you’ve been asked for, e.g.  copy of passport/driving licence etc
Information Sources
You can find more information on http://www.revenue.ie/en/companies-and-charities/international-tax/aeoi/index.aspx
Tax Advice and Disclaimer
We recommend you contact a professional and independent tax advisor to discuss your tax situation, to help you understand the international regulations and ensure you comply with them.
Please note that the information contained in this document is for information purposes only and is intended for general distribution.  Please note that KBC does not offer taxation advice and will not be liable for any errors contained in Self-Certification forms. If you have any questions on CRS/FATCA you should contact your tax advisor or the Irish Revenue.

I am having difficulties meeting my mortgage repayments, is there anything you can do for me?

Please click here for information on how we can help you.

What is SEPA?

SEPA (Single Euro Payments Area) is a European Union regulatory initiative that will standardise electronic Euro payments to make it easier to transact across Europe. SEPA is a natural step forward following the implementation of the Euro currency in 1999. In total, there will be 33 countries under the SEPA umbrella – comprised of 28 EU Member States, 3 EEA Zone Countries plus Monaco and Switzerland.

EU, Euro zone countries (28)

Austria, Belgium, Cyprus, Estonia, France, Finland, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Slovak Republic, Slovenia and Spain, Bulgaria, Croatia, Czech Republic, Denmark, Great Britain, Hungary, Latvia, Lithuania, Poland, Romania and Sweden.

EEA zone countries (3+2)

Iceland, Norway, Liechtenstein - plus Monaco and Switzerland

What does SEPA mean for me?

Making payments in Euro to any SEPA Zone country will be the same as making a payment within Ireland. So whether paying your electricity bill here in Ireland or paying for goods or services you purchased in Europe by Direct Debit, the process will be the same as it would at home. The biggest change for customers will be getting familiar with your BIC and IBAN, which will replace your Account Number and Sort Code from February 2014.

Your IBAN and BIC appear on your KBC Current Account Statement. You can also visit the IPSO website where you can do the following;
  • Convert a single Irish National Sort Code and Basic Bank Account Number to the related Bank Identifier Code (BIC) and IBAN (International Bank Account Number)
  • Confirm the validity of any BIC and IBAN

How can I update my address?

Please post an original signed instruction stating your account number and your new address to KBC Bank, Sandwith St, Dublin 2.

Lost/Stolen Cards

If your card is lost or stolen or a replacement is required for any reason, you can simply phone our 24 hour helpline on 1800 936 287 or 353 1 634 79 63.

What if I forget my PIN?

If you have forgotten your pin you can simply phone 1800 93 92 44 for assistance. Our opening hours are 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays.

Can I use my card online?

Yes, you can make online purchases/payments anywhere you see the MasterCard logo. When you use your card online, you may be asked to go through the MasterCard Secure process and a onetime password will be sent to your phone.

Will I be charged for ATM Transactions?

Subject to the Schedule of Fees and Charges you may be charged per ATM transaction. If you are using an ATM outside the Republic of Ireland please refer to our Fees & Charges Booklet.

What happens if I do not recognise a transaction on my account?

Contact our customer service team on 1800 93 92 44, our opening hours are 8am to 8pm Monday to Friday and 10am to 2pm on Saturdays.