Extra account

The KBC Extra Current Account comes with great benefits and now you can open your account in minutes. All you need to do is pay in €2,500 a month into your account. (Your balance can change throughout the month, that’s no problem).

 
  • 2.50% AER variable rate on your KBC Extra Regular Saver Account
  • 0.74% (0.75% AER) fixed rate on your KBC Extra 12 Month Fixed Rate
  • Discount on your KBC Mortgage and/or Personal Loan
  • Use your KBC debit card with Android PayApple Pay & Fitbit Pay
  • Cash Rewards on your KBC Credit Card
Savings good enough to make a song and dance about!

 

New Extra Account

Field Information
2nd Applicant's Info

The KBC Extra Current Account opens up a whole world of free banking* benefits and even more incredible extras, like bonus rates on your savings, discounts on mortgages and a personal loan, plus a hassle free overdraft and cash rewards on your credit card. You’re free to choose the extras that are right for you. All you need to do is lodge €2,500 a month in your account.

You make it, we'll make it go further,

  • FREE ATM & Cheque transactions
  • FREE Contactless  Transactions and FREE Debit Card purchases
  • FREE Direct Debit & Standing Orders
  • FREE Cashback**
  • AND NO quarterly maintenance fees

Extra Regular Saver Account

  • 2% bonus on top of the standard regular saver rate
  • Save €100 - €1,000 per month and withdraw funds on demand^
  • 1 lump sum of up to €10,000 permitted. Max balance €40,000^^

Extra 12 Month Fixed Rate Account

  • 0.25% bonus on top of the standard 12 month fixed rate
  • Lodge €3,000 - €100,000
  • No withdrawals permitted
  • 1 lodgement allowed at account opening
  • Interest is paid at maturity

1. Credit Card

With a KBC credit card you can get 0% interest on balance transfers for the first 6 months when you transfer your existing credit card balance to us.1 In addition, there is a 1% cash reward on your grocery and online purchases, so you do the shopping and we’ll do the rewards!2

1To avail of the 0% interest balance transfer offer you must close your existing account and provide the account closure letter to us in within 90 days. If we do not receive an account closure letter from your existing bank you will lose the reduced interest rate. We may also close the account without notice. At the end of this 6 month period, the interest rate will revert to the standard interest rate applicable at the time.

2The reward will be credited to your account in your next monthly statement. To be eligible for the grocery reward, the retailer must be categorised under a “grocery” merchant category code with MasterCard. The reward is applicable up to a maximum value of €10 per month or €120 a year.

 

2. Mortgage Bonus

We’re giving you a 0.20% optional discount on a New Business Residential Mortgage rate with your KBC Current Account to help you on your way3. Excludes buy-to-lets. You’ll get this great bonus as well as 50% off KBC Home Insurance for year one – available to new residential mortgages i.e. First Time Buyers, Movers and Switchers until 31st March 20184. All Switcher Mortgages that complete between 2nd May 2017 and 31st March 2018 will receive €3,000 towards professional fees (legal and valuation costs)5.

3To avail of the optional extra Mortgage Discounted Rate (KBC’s prevailing new business fixed or variable rate with a discount of 0.20%), you must mandate your salary to your KBC Current Account (In an instance where a customer is self-employed, you must establish a monthly transfer to the Current Account to lodge an amount that is at least equal to the monthly mortgage repayment). You must also pay your new KBC Mortgage by Direct Debit from your KBC Current Account. If you cease mandating your salary to your KBC Current Account and/or paying your KBC mortgage by Direct Debit from your KBC Current Account, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply.

In the instance where you are availing of the Tracker Mover option, the current account discount will only apply to the new business rate portion of your mortgage.

All other terms and conditions applicable to the KBC Current Account and the KBC Residential Mortgages shall continue to apply to the respective products.


4Insurance offer ends 31st March 2018.  Excludes Buy to Let properties. 50% Off only applies in the first year.

5All Switcher Mortgages that complete between 2nd May 2017 and 31st March 2018 will receive €3,000 towards professional fees (legal and valuation costs). Customers drawing down in stage payments will only qualify for the contribution if the initial stage draws down between 2nd May 2017 and 31st March 2018. The payment of the contribution will be made by electronic transfer within 30 days of the drawdown of the Loan to the account from which the monthly mortgage repayment is or will be paid. This Switcher offer excludes Buy to Let properties. The Lender reserves  the right to amend, modify, cancel, withdraw or change the terms on which this contribution is available at any time at its sole discretion.

 

KBC Bank Ireland Home Insurance Products are exclusively underwritten, administered and provided by Zurich Insurance plc., subject to Zurich Insurance underwriting terms and conditions. Zurich Insurance plc is regulated by the Central Bank of Ireland.

3. Personal Loan Bonus

If you live the kind of life that might need a little extra money from time to time, we're thinking of you. So as an optional extra with your KBC Current Account we can offer you a 1% discount6 on new KBC Personal Loans.

6Loan Discount offer is available with respect to new Personal Loan applications only and is subject to availability. To avail of the optional Discounted Personal Loan Rate (KBC’s prevailing personal lending rate with a discount of 1%), you must pay your new KBC Personal Loan by Direct Debit from your KBC Current Account

If you cease paying your KBC Personal Loan by Direct Debit from your KBC Current Account, the interest rate on your KBC Personal Loan will increase by 1% i.e. the discount will no longer apply.

4. Extra Current Account

Important Information

Lending criteria, terms and conditions apply. Only one Extra Current Account can be opened in sole or joint names. If you don’t make the monthly lodgement of €2,500, you will have to pay the quarterly fees and charges as set out in the Fees and Charges Booklet. If you recommence making the monthly lodgement, you will be eligible for the benefits from the beginning of the next quarter. KBC Extra is a brand name used to describe KBC’s product offering including, Flex Current Account, Flex Regular Saver and Flex 12 Month Fixed Term Account.

5. Extra Regular Saver Account & 12 Month Fixed Rate Account

Important Information

The Extra Savings Accounts can be opened in sole or joint names. The name(s) on these accounts must match the names on the Extra Current Account. If you don’t make the monthly lodgement of €2,500 or if you close your account, you will lose any benefits associated with these accounts. These accounts will become the standard version of the accounts and the applicable interest rate will apply (This is the rate at the time of investment in the case of the Extra 12 month Fixed Term Account). If the balance on Extra Regular Saver reaches €40,000, the full balance will earn interest at the prevailingstandard interest rate. When the Extra 12 month fixed term account matures, the full balance will be reinvested in a similar product unless we receive alternative instruction from you. If you choose not to reinvest, the funds will only be paid into your Extra Current Account. AER is the Annual Equivalent Rate. Interest is subject to Deposit Interest Retention Tax (where applicable). For more information refer to the Personal Banking Terms and Conditions and Personal Deposit Rate Matrix.

Important Information

  • *Non Euro debit card fees and charges may apply. No quarterly maintenance fees
  • **CashBack is at the retailers discretion and a purchase is required. A minimum amount may be necessary
  • ^Funds must be lodged/withdrawn from/to your Extra Current Account.
  • ^^Once the balance reaches €40,000, the entire balance will earn interest at the Standard Demand Deposit Account interest rate.
  • Only available to personal customers.
  • Overdraft: Lending criteria, underwriting, terms & conditions apply. The KBC overdraft is subject to repayment capacity, financial status and is not available to persons under 18 years of age.
  • Full Terms and Conditions are available here.