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.

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Maintenance fee


ATM fee


Foreign transaction fee

Compare KBS current accounts in Ireland

Name Product Maintenance fee Fee period ATM transaction fee
KBC Current Account
€0.30 per withdrawal
A versatile current account that offers fee-free everyday banking transactions, plus, a host of other features when you sign up.
KBC Student Current Account
Benefit from a broad range of banking features, including free day-to-day transactions and withdrawals with this digital-focus transactional account.
KBC Extra Current Account
€0.30 per withdrawal
Lodge €2,000 every month and avoid maintenance fees and Euro ATM withdrawal fees, plus benefit from fee-free everyday banking transactions.
KBC Teen Current Account
Under 16s can benefit from free everyday banking as well as free Euro ATM withdrawals, without having to pay any quarterly maintenance fee.

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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:

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.


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

Name Product Maintenance fee Fee period ATM transaction fee
VIALET Current Account
€2 + 2% per withdrawal
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
N26 Bank Account
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wirex Standard
2% per withdrawal

Get a Welcome Bonus of 1,000 WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Wise Multicurrency Account
€0.50 + 1.75% per withdrawal
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Standard
€1 + 2% per withdrawal
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
AIB Student Account for 2nd Level Students
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.

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