Extra Current Account

What makes the KBC Extra Current Account Extraordinary? 

If you lodge €2,000 (no need to maintain a minimum balance) over the course of the month, you can benefit from: 

  • No fees for maintaining the account
  • Free Euro Cash Withdrawals [ATM] & Cheque Lodgement fees
  • Free Contactless Payments & Debit Card Transactions when using your Debit Card for purchases in Euro
  • Free Online & Mobile transfers
  • Free Direct Debit & Standing Order processing
  • Free Cashback*
  • No Overdraft Setup Fee (where applicable)
  • Use your KBC debit card with Google Pay™  Apple Pay™, Fitbit Pay™, Garmin Pay™ & wena pay™

What's more, it's the fact that there are so many good things in one account, including offers on savings, mortgage and more.

Lodging €2,000 a month sounds like a stretch? Our other Current Accounts also offer great value.
New Extra Account
Field Information
2nd Applicant's Info

We believe banking should be a rewarding experience. With the KBC Extra Current Account, you'll get extraordinary offers on daily banking, savings, mortgages and more. 
All you have to do is lodge €2,000 into your account each month.  
  • 1.73% (1.75% AER Variable) on your KBC Extra Regular Saver Account. (see notice below re upcoming changes to the bonus rate.)
  • 0.59% (0.60% AER Fixed) on your KBC Extra 12 Month Fixed Rate Account.
  • New - 25% Discount off new Home Insurance policies
  • New- Refund on your entrance fee for 12 months on Start2Invest
  • Discount on your KBC Mortgage and/or Personal Loan
Banking just got Extraordinary!

Please note: Effective from the 18th November 2019, the bonus on the KBC Extra Regular Saver is reducing to 0.98% (1.00% AER). This will apply on top of the existing Regular Saver Rate of 0.25% (0.25% AER). The total rate applicable from this date will therefore be 1.23% (AER 1.25%).


Extra Regular Saver Account

  • 1.50% bonus on top of the standard regular saver rate (AER).
  • 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 (AER)
  • Lodge €3,000 - €100,000^^^
  • No withdrawals permitted
  • 1 lodgement allowed at account opening
  • Interest is paid at maturity

1. KBC Extra Current Account

Important Information
Lending criteria, terms and conditions apply. Only one Extra Current Account in your sole name and one in joint names can be opened. If you don’t make the monthly lodgement of €2,000, you will have to pay the quarterly fees and charges as set out in the Fees and Charges Booklet (pdf, 66 KB). If you recommence making the monthly lodgement, you will be eligible for the benefits from the beginning of the next quarter.

2. Extra Regular Saver Account & Extra 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 €2,000 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 then prevailing Standard Demand Deposit Account 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.

3. Home Insurance Discount

With a KBC Extra Current Account you can experience a 25% discount in year 1 when you take out a new KBC Home Insurance Policy.

Experience 10% off the premium when you renew an existing KBC Home Insurance Policy.

Make sure you mention your Extra Current Account when you call about a quotation.
Available on insurance policies for contents-only, and buy-to-let and owner occupied homes. If you hold more than one home insurance policy with KBCI, you are entitled to the offer on all home insurance policies.
Offer not available in conjunction with any other home insurance offer. If you close your Extra Current Account, you won’t lose the offer for any remaining period of coverage but you won’t be eligible for the loyalty offer at the time of renewal of the policy. Offer subject to availability.

Underwriting Terms and Conditions apply. KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. KBC Home Insurance products are underwritten, administered and provided by Zurich Insurance plc. Zurich Insurance plc is regulated by the Central Bank of Ireland.

Read or download the offer's full Terms and Conditions (pdf, 244 KB).

4. Start2Invest

Holders of an Extra Current Account are entitled to a full refund on Start2Invest entrance fees for the first 12 months of their Start2Invest investment when you lodge €2,000 into your Extra current account each month. Customers will receive a refund of the entrance fee (currently 1% of the trade value) to the Extra Current Account that funds the Start2Invest investment within 30 days of the monthly trade date.
Available on one account per customer (customer can hold one in both sole and joint names). Other fees and charges will continue to apply as per the Investment Funds terms and conditions.

If you don’t lodge €2,000 into the account in any of the first 12 months of opening your Start2Invest investment, you will not be entitled to a refund the following month. Your refund eligibility will resume once you lodge €2,000 the following month.
Read or download Start2Invest's Terms and Conditions (pdf, 240 KB).

5. 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 way1

To apply for the optional extra 0.20% discounted rate, please contact KBC. You must also mandate your salary (self-employed customers must establish and maintain a monthly transfer to the Current Account that is at least equal to the monthly mortgage repayment) and pay your KBC Mortgage by direct debit from your KBC Current Account. If you cease to meet one and/or both of the aforementioned conditions, the interest rate on your KBC Mortgage will increase by 0.20% i.e. the discount will no longer apply. 

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

Offer excludes Buy to Let Mortgages, Tracker mortgages, mortgage accounts which have been in arrears within the past 12 months or on the following mortgage arrears resolution options: Moratorium, Less than interest only arrangement, Interest Rate Reduction, Split 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. KBC reserve the right to remove the availability of this offering for new and existing business customers at any time in the future. This will not affect existing customers who have already availed of the discounted current account mortgage rate.

6. 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% discount2 on new KBC Personal Loans.

Discount offer is available with respect to new Personal Loan applications only and is subject to availability. The discounted rate is a discount on the standard personal loan rate which equates to a 1% discount on the Annual Percentage Rate (“APR”), which may vary.

7. 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.3 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!4

3 To 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. The amount of the balance transfer may not exceed 80% of the approved credit limit. 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.

4 The 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.

8. 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.

Extraordinary Service


Experience KBC anytime - on phone 1800 93 92 44, social and web chat

Check out our Saturday opening hours at all of our hubs

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Experience the new way to pay in store, in app and online using Apple
Pay,™ Google Pay™, Fitbit Pay™, Garmin Pay™ and wena pay™.

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With our online and mobile banking app, you get to choose where and when you manage your money

Important Information

Fees and charges may apply for ATM Cash Withdrawals and using a debit card for purchases in a foreign currency.

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

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.

^Funds must be lodged/withdrawn from/to your Extra Current Account

^^One lump sum of up to €10,000 permitted to be lodged within 30 days of opening the Extra Regular Saver Account. Once the balance reaches €40,000 (including interest credited to the account), the full balance will earn interest at the then prevailing Standard Demand Deposit Account interest rate.

Please note: the additional €10,000 lodgement must be transferred in a single transaction from an Extra Current Account in the same name as the Extra Regular Saver Account.

^^^There is no maximum balance on the account, however, if the account balance exceeds €100,000 (including interest credited to the account), the interest rate will revert to the then prevailing Standard Demand Deposit Account rate on the entire balance.

Read or download the full Terms and Conditions (pdf, 424 KB).