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KBC current accounts review
Get free day-to-day banking transactions plus a bunch of other features when you sign up for a KBC current account.
If you’re on the hunt for a new current account for your day-to-day transactions, KBC is worth considering with its customer-centric digital-first strategy to banking. Read on to find out more about what current accounts this provider has on offer.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Monique Law is a writer for Finder. Since 2016 she has written across numerous topics including consumer goods, finance, travel, personal development, lifestyle and health. After many years of living abroad and travelling on a budget, she's become an expert on researching and finding the best deals. Monique enjoys British detective shows & spy dramas, planning her next travel adventure and watching world events unfold live on CNN.
KBC has a range of accounts to suit people at all stages of life, from students to those enjoying retirement. Here’s our guide to KBC current accounts, including fees, how to sign up, pros and cons and how to pick the one that’s best for you.
What is KBC?
KBC has over 40 years’ experience providing banking services to the people of Ireland. It has hubs nationwide as well as mobile and pop-up banks, plus you can access your account through online or mobile banking.
Boasting award-winning savings, debit card and mortgage products, KBC assists local communities through volunteer work, donations and by supporting community events. This bank was one of the first to make opening accounts online possible, and it supports the most amount of digital wallets including Sony, Google, Fitbit, Garmin and Apple.
Key features
When you open a current account with KBC, you can enjoy the following features:
Contactless payments. Use your debit card for contactless payments in Euros and not be charged any fees.
Range of accounts available. KBC offers a number of current accounts, including ones designed for teens and students.
Internet and mobile banking. Access your account from your computer, smartphone or tablet for greater convenience.
Mobile payments. Connect your KBC debit card to Google Pay, Apple Pay, Fitbit Pay, Garmin Pay and wena pay.
Exclusive offers and benefits. When you register your KBC debit card at pricelessireland.ie you can enjoy exclusive benefits and offers.
Overdraft facility. Current account holders can add on an overdraft for unexpected expenses. Competitive rates are offered and you can increase, decrease or cancel your overdraft at any time.
Secure online shopping. Every time you use your card online, you’ll be sent a code by SMS to protect against fraud.
Loan and mortgage rate discounts. Current account holders can take advantage of bonus rates for mortgages and personal loans to save money.
IBAN. When you apply online, you’ll get an IBAN number for international transfers.
Open online. To save you the time of visiting a branch, the KBC current account can be opened online whenever you’re ready.
What KBC current accounts are available?
KBC offers the following current accounts:
KBC’s current account has a €6 quarterly maintenance fee. You can avoid cash ATM withdrawal and cheque lodgement fees by maintaining a daily minimum balance of €2,000.
KBC’s Extra current account has no maintenance or day-to-day transaction fees as long as you lodge a minimum of €2,000 each month. You can also add an overdraft with no setup fee (where applicable).
You get a free €50 when you open the Student current account, Google Pay, Apple Pay, no fees on day-to-day banking and a nifty mobile app to use on the go.
With the Teen current account, you get free Euro cash withdrawals and card payments, no quarterly fees, no government stamp duty and digital benefits like Google and Apple Pay amongst others.
This account is suitable for people who have not had a current account before and want to be able to conduct basic banking transactions. It has no quarterly maintenance fee, free contactless payments, free direct debit processing and free Euro cash withdrawals.
If you’re 60 years or over, the Current Account Plus is the account for you. It comes with free Euro cash withdrawals and contactless payments, free direct debits and no quarterly maintenance fees. You’ll also get competitive overdraft lending rates and innovative savings accounts.
Fees and rates
All KBC current accounts come with free direct debits, standing orders, mobile and online transactions and contactless payments. It does, however, charge other fees, some of which we’ve detailed below:
Current and Extra Current Accounts
Quarterly maintenance fee: €6, or €0 by lodging €2,000 every month (only for Extra Current Account)
ATM Euro withdrawal: €0.30 each, or €0 by lodging €2,000 every month (only for Extra Current Account)
Cheque lodgement:€0.30 each, or €0 by lodging €2,000 every month (only for Extra Current Account)
ATM non-Euro withdrawal: 3.50% of the transaction value of withdrawal amount (min €3.17; max €11.43)
Student, Teen, Basic Current Accounts and Current Account Plus
Quarterly maintenance fee: €0
ATM Euro withdrawal: €0
Cheque lodgement: €0
ATM non-Euro withdrawal: 3.50% of the transaction value of withdrawal amount (min €3.17; max €11.43)
KBC has a handy comparison calculator on its website so you can compare its current account with what fees your existing Ireland bank charges.
Verdict
KBC has a range of current accounts to suit many different people including students and those enjoying retirement. You’ll be able to shortlist a suitable current account depending on your own situation.
If you know you’ll be lodging €2,000+ into the account each month but want to avoid fees, KBC’s Extra Current Account is worth a look. But before settling on a current account, compare those available in Ireland from our table above.
How to ope a KBC current account
To open the main KBC Current account you will need to complete an application and provide proof of identity and proof of address dated within the last six months. There are four different ways to go about this with different documentation requirements:
KBC hub
🏛️
1x original proof of ID 1x proof of address
Over the phone
📞
2x proof of ID 2x proof of address
KBC website
💻
2x proof of ID 2x proof of address
KBC mobile app
📱
1x proof of ID 1x selfie 2x proof of address
Some of KBC’s other accounts can only be opened in a hub or over the phone, so check the requirements on the KBC website.
Compare a range of current bank accounts in Ireland
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Yes but not with all the KBC current accounts. An overdraft facility is available on the KBC Current Account, Extra Current Account and Current Account Plus.
Yes. KBC does offer joint accounts with a maximum two account holders per account. Contact KBC for further details.
You can get in touch with KBC on 01800 93 92 44 (or +353 1 664 6100 from abroad). You can also send an email or talk to customer services over live chat or Twitter. Alternatively, you can visit one of KBC’s local hubs, or make an appointment online.
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