Fees and Charges

Everything you need to know about the Fees and Charges which may apply to your account.

Personal Banking

Personal Banking Fees and Charges (pdf, 71 KB)

Credit Cards

Credit Card Fees and Charges (pdf, 80KB)

Schedule of Fees and Charges

Making and Receiving Payments


Money desk/Swift transfers


Cheques Issued


Third Party payment by cheques


Giro Payments (per book)


Property insurance premium collection


Credit transfer drawdown


Direct Debit collection


Foreign exchange facilities


Providing and Granting Credit


Arrangement Fee

Nil to 0.5% of loan amount

Valuation/ Asset Inspection

€126.97 Valuation fee may rise to a maximum of €253.00 or actual costs.

Revaluation (incl. stage valuations)

€126.50 or actual costs

Amend letter of offer


Mortgage indemnity guarantee charges

€12.70 + govt duty

Mortgage indemnity guarantee fee

5.00% on loan balance in excess of 70% LTV

Administration charge


Negotiation fee


Surcharge interest in respect of arrears on a credit agreement or loan

Nil to 5.00% over the interest rate quoted in the facility / offer letter per annum or Nil to 2.00% per month (or part thereof) on overdue balances

Maintaining and Administrating transactions


Change product fee and government stamping fee

Nil to €38.00 + €12.70

Mortgage deeds sealing or partial release fee


Break funding fee / early settlement

Formula based

Duplicate statements

€2.54 per page

Duplicate certificates

€6.35 each

Reschedule fee

€0.50% (min €126.50)

Secondary rental

Lesser of 5% cash or one instalment

Leased asset disposal

€126.50 (based on asset cost)

Any Other Service


Administration charges

€31.74 per hour

Copy of legal papers

€6.35 per item (max €38.00)

Duplicate statement / invoice

Nil to €12.70

Alterations to mortgage product (inc rate)


Processing of updated property insurance details


Processing of updated life assurance details


Alteration to title deeds / transfer of equity

Nil to €63.00

Release of deeds on accountable trust receipts

Nil to €38.00

Audit cert

Nil to €31.50

Early Encashment fee in relation to Structured Deposits

Formula based (to include an administration fee of up to 1% of investment sum up to a maximum of €1,000)



Processing unpaid instalment

Nil to €19.00

Call out charge concerning unpaid instalments

Nil to €31.50

Summons servicing fee

Nil to €19.00

Possession order serving

Nil to €19.00

Letters re outstanding instalments

Nil to €12.70

Legal proceedings administration charge

Nil to €317.00

Repossession / legal costs

Actual costs

Day to Day Banking Fees




Cheque Processing Fee


Payment Fees


KBC Cheque


Non - Euro Transactions


Cash Withdrawal Fee

3.50% (min €3.17,max €11.43)

POS Transaction

1.75%(min €0.46, max €11.43)

Fees for Non Payment


Unpaid Lodges Cheque


Referral Items

€5.00 per item capped at €20 daily

Stop Payment Instuction


Missed Direct Debit


Missed Standing Order


Overdraft Fees & Rates


Rate on authorised overdraft


Surcharge on unauthorised overdraft


Overdraft Set Up


Overdraft renewal


Additional Banking Charges


Debit Card Replacement


Replacement of Digital Key


Duplicate Statement

€2.54 per page

Duplicate Certificate of Interest

€6.35 each

Maintenance Quarterly Fee


Credit Card fees and charges


Over Limit


Unpaid Item (Returned Payment)


Late Payment


Cheque Processing


Duplicate Statement


Credit Card Replacement


Replacement of Digital Key


Transaction Fees

Rate % / Fee

Cash Withdrawal Fee (within Eurozone)

1.5% (minimum of €1.90)

Currency Conversion Fees (CCF)


Non Euro Cash Withdrawal

1.5% (min. of €1.90) plus 2% CCF fees as outlined above

Interest Rates


Purchase rate


Balance transfer rate

0% for the first 6 months, moving to the Purchase rate thereafter



Cash withdrawal


Effective from 1st May 2014

Quarterly Change Periods

Account Transaction Fees are calculated on a quarterly basis and debited from your account in respect of the previous 3 month period. Quarterly charging periods are scheduled as follows (dates are inclusive);

  • Quarter 1: 1st January - 31st March
  • Quarter 2: 1st April - 30th June
  • Quarter 3: 1st July -  30th September
  • Quarter 4: 1st October - 31st December

Details of any transaction fees charges to your account will be confirmed to you in a Fee Advice Letter approximately 15 days before they are deducted from your account.

Overdraft interest rates are variable and subject to change. Overdraft set up fee is charges upon activation of overdraft facility . Please refer to our Fees and Charges booklet (pdf, 71 KB) for a full description of fees and charges relating to your KBC Current Account.


Please note, in line with the Code of Conduct on Mortgage Arrears (“CCMA”), KBC Bank Ireland will not impose any charges and/or surcharge interest on arrears arising on a mortgage account in arrears to which the CCMA applies.

Queries and Complaints

If you are unhappy about any aspect of the service you have received please contact the Client Services Manager, KBC Bank Ireland plc, Sandwith St, Dublin 2.

If your complaint is not dealt with to your satisfaction you may contact the Financial Services Ombudsman Bureau, Third Floor, Lincon House, Lincon Place, Dublin 2. LoCall 1890882090 Telephone – 01 -6620899