Reasons to choose a KBC Extra Current Account

Free Contactless Debit Card Purchases

Free Online & Mobile Banking

Bonus rate on loans, mortgages & regular savings


Experience banking in minutes by opening an Extra Current Account on your phone

Be one of the 1st to open a KBC Extra Current Account with our revolutionary new app. No paperwork, no hassle and get banking in minutes with Android Pay or Apple Pay!

Simply answer a few questions, photograph your proofs of ID and address and you’ll have your digital card within minutes. Just download the app and follow the simple steps.

Extra Current Account

Open up a whole world of free daily banking* benefits and even more incredible extras

The KBC Extra Current Account gives you bonus rates on your savings, discounts on mortgages and personal loans, plus a hassle free overdraft and cash rewards on your credit card. You’re free to choose the extras that are right for you.

  • Free cashback**, ATM & contactless transactions
  • Discount on your KBC Mortgage and/or Personal Loan
  • Use your KBC debit card with Android Pay™, Apple Pay™ or Fitbit Pay™
  • And you can also get Cash Rewards on your KBC Credit Card
All you need to do is lodge €2,500 a month into your account!
Prefer to open your account online?

Open a KBC Extra Account


Snap snap, tap tap, Boom.

Experience our mobile mortgage team.

Open a KBC account to use mobile payment

Apple Pay

Apple Pay

Make contactless payments wherever you see the contactless payment or Apple Pay mark

Apple Pay
Google Pay

Google Pay

Make contactless payments wherever you see the contactless payment or Google Pay symbols

Android Pay

What you'll need to open your account:

Proof of ID

Credit card style driver's licence or passport

Proof of address

Acceptable proofs of address include utility bills (e.g. mobile phone, gas, electricity), bank account statements, credit card statements or motor tax certificates. 
Proofs of address must have been issued within the last six months
Make sure all four corners of the proof of address are in the picture, and that all text is clear and legible
I'm an existing customer, and want to set up my mobile banking access.
It's simple. Download the app, open it and select "Already a KBC Customer". You can follow the instructions for an existing KBC customer here.

1. KBC 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. 

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 €2,500 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 prevailing standard interest rate.

Once the balance (which includes interest) exceeds €100,000 on the Extra 12 Month Fixed Rate Account, the interest rate will revert to the Standard Demand Deposit Account rate on the  full balance.

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.

Full Terms and Conditions are available here. 

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 €2,500 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 €2,500 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 €2,500 the following month.
Full Terms and Conditions are available here.

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.

1To 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.

The optional extra mortgage discounted rate is not available to 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.

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.

2 Loan 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.

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

3To 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.

4The 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 KitKat 4.4 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).

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.

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 details of the Terms and Conditions can be found here.