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
It's simple. Download the app, open it and select "Already a KBC Customer". You can follow the instructions for an existing KBC customer
You can use your Android phone to make contactless payments wherever you see the contactless payment or Android Pay
You can use Android Pay on any compatible device running Android 4.4 or higher and have the Android Pay app downloaded.
You can use Apple Pay
to make contacless payments wherever you see the contactless payment or Apple Pay mark, in-store, on the web and in-app. Available with your KBC decit card now!
Apple Pay will work with an iPhone 6/6+ and later models including the iPhone SE, or Apple Watch.
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).
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.* 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!**
*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. 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.
**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.
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 way*. 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 December 2017**. All Switcher Mortgages that complete between 2nd May 2017 and 31st December 2017 will receive €3,000 towards professional fees (legal and valuation costs)***.
*To 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.
**Insurance offer ends 31st December 2017. Excludes Buy to Let properties. 50% Off only applies in the first year.
***All Switcher Mortgages that complete between 2nd May 2017 and 31st December 2017 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 December 2017. 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% discount* on new KBC Personal Loans.
*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.
4. Extra Current Account
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 & 12 Month Fixed Rate Account
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. 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.
*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.