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.

  • Free Contactless Debit Card purchases when using your Debit Card for purchases in Euro
  • Free Internet and Mobile Banking Transactions
  • Bonus rates (subject to availability) on personal loans and mortgages
  • Use your KBC debit card with Google Pay™  , Apple Pay™, Fitbit Pay™ & Garmin Pay™
Other fees and charges including Cash withdrawals [ATM] charges if used, apply.
 

Joint 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.

  • Free Contactless Payments when using your Debit Card for purchases in Euro
  • Free Internet and Mobile Banking Transactions
  • Bonus rates (subject to availability) on personal loans and mortgages
  • Use your KBC debit card with Google Pay™, Apple Pay™, Fitbit Pay™ & Garmin Pay™
Other fees and charges including Cash withdrawals [ATM] charges if used, apply.
 

Fill out the form below to apply for a new account

For KBC customers, log in above to add new products

Applicant 1 Details

Existing customer?

Applicant 2 Details

Existing customer?
Continue Previous Application

Continue Previous Application

To return to a previous application please enter your email and password and we will redirect you to where you were in the application process.

< Back to Continue Previous Application

Reset my password

Enter your email address and if you have previously started an application within the last 45 days we will send you an email containing a reset password link.

Reset password email sent

check your emails, click the link, reset your password, continue your application . . .

Reset your password

Your password should contain at least:

  • 9 characters
  • One number
  • One UPPERCASE letter

Your password will be saved for 45 days.

How we use your personal data

Features

Features

Comparison Calculator

Calculator

What do I need?

Requirements

FAQs

FAQs

What is the KBC Current Account?

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 a Debit Card for purchases in Euro (see important info below)
  • Free Cashback (see important info below)
  • 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. Check out the Optional Benefits section below for more details.
 

Optional Benefits

As a KBC Current Account holder, you have access to the following benefits: 

Mortgage Bonus

You could get 0.20% optional discount on a new business residential mortgage rate with your KBC Current Account to help you on your way. Learn more about the Current Account Mortgage Bonus

Personal Loan Bonus

The KBC Extra Current Account gives you a 1% discount on the Annual Percentage Rate (APR) on your new KBC Personal Loan when you repay from your KBC Current Account. Learn more about the Current Account Loan Bonus Offer 

 

Important Information


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

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!

Overdrafts

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.

Priceless Ireland

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

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
  • Credit transfers 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 Android 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.

Try our handy Comparison Calculator

See how much you could save by switching your Current Account to KBC today!

Comparison Calculator

  • 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 1st August 2019.

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 www.ccpc.ie

Please note:
Quarterly Maintenance Fee = Fee for maintaining the account as per the Fee Information Document (pdf, 260 KB)

Important Information

Comparison Calculator

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: www.ccpc.ie. All information and fees and & charges included in the calculator have been obtained from a publicly available source (www.ccpc.ie). 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.  

What documents do I need to open a KBC Current Account?

Opening a Current Account should be something you can do anytime anywhere and with KBC it is. You can open your account with is across many different channels and we have called out the requirements for each below:

Online via KBC.ie

2 proofs of identity (e.g. 2 photo IDs)
2 proofs of address (must be dated within the last 6 months)

Instant on boarding via the KBC mobile app

1 proof of identity and 1 selfie (in certain circumstances a second photo ID may be requested)
2 proofs of address (must be dated within the last 6 months)

Over the phone

2 proofs of identity (e.g. 2 photo IDs)
2 proofs of address (must be dated within the last 6 months)

In one of our Hubs

1 original proof of identity (e.g. 1 photo ID)
1 original proof of address (must be dated within 6 months)

Before sending your documents to us here are some handy guidelines to follow:

Proof of Identity: 

Proof of ID Guidelines

Proof of Address:

Proof of Address Guidelines

The following documents are accepted for proof of address:
  • Utility Bill (Electricity, Gas, Landline Phone etc.)
  • Current Account Bank Statement
  • Credit Card Statement

 

Please note: All Proof of Address documents must be less than 6 months old at the time of application.

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 (24/7) or in one of our Hubs.

Have a question about the KBC Current Account?

We have put togther our top FAQs to answer any question you have.

What do I need to open a Current Account?

Existing customers

We like to make things as simple as possible for our existing customers so if you are already a KBC customer you probably won’t need to provide any more ID. If we do need anything, we’ll let you know.

New customers

If you are new to KBC and you are interested in opening an Account we have put together a handy guide which you can find in the 'What do I need?' tab on this page. 

Can I access cash?

Your KBC Day to Day Debit Card allows you to make cash withdrawals [ATM] at any ATM that displays the MasterCard logo or CashBack through participating retailers.

Please note you cannot access cash in a KBC hub.

Can I transfer foreign currency into my KBC Current Account?

No, all transfers must be denominated in Euro.

How can I reduce my fees and charges?

The KBC Current Account is filled with the following free features:
  • Internet and Mobile banking
  • Credit transfers into or out of your account
  • Direct debit set up or processing
  • Standing order set up or processing
  • When you use your card in store, online and over the phone
  • If you maintain a minimum daily credit balance of 2000 in your Standard Current Account you won’t have to pay fees for Cash withdrawal [ATM] transactions (within the SEPA Zone) denominated in Euro or for cheque lodgements.
  • Account transactions for the over 60's and students

Some simple ways to reduce fees associated with other transactions include;

  • Ask for cashback when buying things to avoid using the ATM*
  • If you maintain a minimum daily credit balance of 20002 in your Standard Current Account you won’t have to pay fees for Cash withdrawal [ATM] transactions (within the SEPA Zone) denominated in Euro or for cheque lodgements.
  • Use online banking to pay bills and outgoings by direct debit/standing order or credit transfer
  • Check your balance regularly and know your payment dates

*Cashback is at the retailers' discretion and a purchase is required. A minimum amount may be necessary.
**Non Euro fees and charges may apply.

How can I lodge a cheque to my KBC Current 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 along with your account details to: 

KBC Bank Ireland Plc,
PO Box 12421, Sandwith Street,
Dublin 2

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 has the same name as the account payee on the cheque.

Want to know more? Explore all our FAQs