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, Mortgages and Regular Savings

  • 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.

New Current Account

Field Information
2nd Applicant's Info

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 your Debit Card for purchases in Euro
  • Free Cashback (at the retailers discretion, a purchase is required and a minimum amount may be necessary).
  • Free Internet and Mobile Banking Transactions
  • Free Direct Debits and Standing Order Processing
  • Competitive Overdraft lending rates available
  • Bonus rates (subject to availability) on personal loans, mortgages and regular savings with a KBC Current Account.
  • Debit Card benefits: Click here for details
See full details of the Terms and Conditions (pdf, 424 KB) and Fees and Charges (pdf, 66 KB).

How to apply for the KBC Current Account

Download the app today and open a Current Account in minutes:

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.

Optional Benefits

Did you know?
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 fron your KBC Current Account. Learn more about the Current Account Loan Bonus Offer 

Bonus Regular Saver Offer

We’re always thinking of ways to help your money go further. As an added extra on your KBC Current Account we’re offering a bonus rate of 1% on top of the KBC Regular Saver. Learn more about our Bonus Regular Saver Offer.


Try our handy Comparison Calculator

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 13th November 2018.

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

How to apply for the KBC Current Account

Download the app today and open a Current Account in minutes:

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.

Top FAQs for the KBC Current Account

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 applying for a current account in one of our Hubs you will need to provide one original proof of photo ID and one original proof of address verification (issued in the last 6 months).

If you are applying online or over the phone you will need to provide two proofs of photo ID and two proofs of address verification (issued within the last 6 months).

To make it easier you can email a clear scan/photo of your documents proofs to us at or post photocopies to us at:

KBC Current Account Team,
FREEPOST, PO Box 8666,
KBC Bank Ireland plc, Sandwith Street,
Dublin 2

Can I access cash?

Your KBC Day to Day Debit Card allows you to access cash 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.

Want to know more? Explore all our FAQs

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: 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.  

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...

  • Online and Mobile banking
  • Electronic payments 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
  • ATM or cheque processing 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.