Current Account

The KBC Current Account comes packed with great benefits and offers you even better rates on mortgages, loans and savings. You make it, we'll make it go further.

^Bonus offers are subject to availability. 

Other fees and charges including Cash withdrawals [ATM] charges if used, apply.

New Current Account

Field Information
2nd Applicant's Info

Our Current Account is simple to set up, filled with free features and available anywhere, anytime. You be you, we'll be your bank.

  • Free Contactless Payments when using your Debit Card for purchases in Euro
  • Free Cashback*
  • Free Internet and Mobile Banking Transactions
  • Free Direct Debit and Standing Order Processing 
  • Competitive Overdraft lending rates available
  • Bonus rates on personal loans and mortgages with a KBC Current Account.^
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.

Paperless Baking with KBC
Good news! We’ve started to reduce the amount of paper we send you. This means no more current account statements in the post each quarter.

Check out our FAQs

How to apply for the KBC Current Account

Download the app today and open a Current Account:

App Store   Google Play

Alternatively, you can fill the form above: 

Apply Online     

You can also open your account over the phone on 1800 51 52 53 or in one of our Hubs.

Join the thousands who’ve moved to KBC and enjoy a great value current account. Apply online, over the phone or pop into one of our Hubs.

Comparison Calculator

See how much you could save with KBC

  • No. of Transactions Quarterly

Please fill in the above fields. Use zero if a field is not applicable to you and then click calculate.

Information and fees correct as at 2nd October 2020.

Please view our Glossary of Standardised Terms for term definitions.

Payments refer to Direct Debit & Standing Order processing, Internet & Mobile Banking Transactions.
Fees information sourced from

Please note:
Quarterly Maintenance Fee = Fee for maintaining the account as per the Fee Information Document

Important Information

The comparison calculator allows you to calculate an estimate of the likely savings which may be available to you should you switch your current account to KBC Bank Ireland.  Please note that this estimate is for illustrative and guidance purposes only to demonstrate the savings that could be made between a KBC Current Account and alternative Current Account providers.  It is based on the limited information that you have provided and does not consider your individual financial circumstances. KBC Bank Ireland therefore makes no representation or warranty as to the suitability of the KBC Current Account for your needs.  The estimate is not binding on KBC Bank Ireland and is subject to change.  
Source of information: All information and fees and & charges included in the calculator have been obtained from a publicly available source ( KBC accepts no responsibility or liability for this information. All KBC Current Accounts are subject to terms and conditions.  KBC Bank Ireland accepts no liability or responsibility for any loss or damage caused or arising from or in connection with your use of the comparison calculator or any reliance you place on the estimate generated by the comparison calculator.  


Free features, for the kind of life that doesn’t like bank charges.

  • Free Debit Card Transactions for purchases in Euro
  • Free Cashback*
  • Free Direct Debit processing
  • Free Standing Order processing
  • Free Internet and Mobile Banking Transactions

Debit Card

Free Cashback & Contactless Payment

Get cashback* in store for free and avoid those annoying ATM charges.

Your contactless KBC Debit Card allows you to pay for items up to €50 in seconds by just passing your card over the machine.

KBC MasterPass

KBC MasterPass allows you to store your card data and delivery address into a digital wallet which makes online shopping faster, easier and more secure. Register your card details here.

(Please note when you click the link you will be brought to the MasterPass website)

Secure Online Shopping

Your KBC Debit Card is protected by MasterCard SecureCode. We will send you a secret one-time code by SMS to protect against unauthorised use when you shop online. No more passwords to remember!

Priceless Ireland

Enjoy exclusive offers, benefits and the MasterCard experience with your KBC Debit Card when you register at

Find out more about our Debit Card

*Cashback is at the discretion of the retailer and a purchase is required. A minimum payment may be necessary.  Annual Government Stamp Duty/tax of €2.50 is charged when you use your card at an ATM or Point of Sale (POS). If you use your card at both ATM and POS the tax is €5. Only available to those aged 17 years or over.


Applying for an Overdraft could not be easier!

If you live the kind of life that likes peace of mind, our overdraft facility is helpful for handling life’s little emergencies. Setting up your safety net is simple:

Apply Online

Apply in any KBC Hub or by phone on 1800 51 52 53.

Find out more about our Overdrafts.

Lending Criteria, terms and conditions apply.

Fees and Charges

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...

  • Interent and Mobile Banking Transactions
  • Electronic payments into or out of your account
  • Direct debit set up or processing
  • Standing order set up or processing
  • When you use your debit card for purchases in Euro
  • Cash withdrawal [ATM] transactions (within the SEPA Zone) denominated in Euro or cheque lodgements if you maintain a minimum daily credit balance of €2,000 in your Current Account each fee paying quarter
  • Account transactions for the over 60's and students

Other fees and charges apply

Account and transaction fees made clear and simple

  • Quarterly Fee €6.00*
  • Cash Withdrawals [ATM] €0.30 each*
  • Cheque Lodgements €0.30 each*

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.

*Customers aged 60 years or over are exempt from Account Transaction Fees (Maintaining the Account Fees, Cash withdrawals [ATM] within the SEPA Zone demoninated in Euro or Cheque Lodgement Fees).

Digital Services

Apple, the Apple logo, iPhone, iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc. Apple Pay on an iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone 7, iPhone 7 plus, iPhone SE, iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 running on iOS8.3, MacBook Pro with Touch ID. You can also use an Apple Watch if it is paired with an iPhone 5 or later.

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.

*CashBack is at the retailers discretion and a purchase is required. A minimum amount may be necessary.

^Bonus offers are subject to availability.

Other fees and charges including Cash withdrawal [ATM] charges if used, apply.

Terms and conditions

Full details of the Terms and Conditions (pdf, 424 KB) can be found here.