KBC Business Prepaid Card

The benefits

KBC Business Prepaid Card

The benefits

Accepted worldwide

You can use the card worldwide to pay for goods and services or withdraw cash wherever you see the Mastercard logo.

Put real-time money on your card

Load real-time money yourself using the fast-load button in KBC-Online for Business.

View your balance

You can see not just your card's current balance but also your transactions in KBC-Online for Business.

Make an appointment

What is the KBC Business Prepaid Card?

KBC Business Prepaid Card

The KBC Business Prepaid Card is a card you load in advance. Simply load an amount onto your card and then use it in exactly the same way as a credit card.

How does it differ from a credit card?

With the KBC Business Prepaid Card, only the amount loaded onto the card can be used, the amount used is debited instantly from your KBC Business Prepaid Card, and your balance cannot go below zero. In other words, you are not paying 'on credit'.

You and your employees

You can use the KBC Business Prepaid Card wherever you see the Mastercard logo, throughout the world. You can also use it online. Furthermore, you can apply for this card for all your employees, even if they don't bank at KBC. Very handy indeed!

Putting money on your KBC Business Prepaid Card

You can manage your KBC Business Prepaid Card easily online via KBC-Online for Business. KBC-Online for Business has a convenient quick load button for putting money on the card, but you can also top up by means of a credit transfer. You can load a maximum of 1,250 euros per top-up. The KBC Business Prepaid Card can be loaded with a maximum of 5,000 euros per card. Tip: instructions on loading your card appear at the bottom or on the back of your KBC Business Prepaid Card.

Manage your KBC Business Prepaid Card yourself

You decide for yourself which KBC Business Prepaid Card can be used to make online or other purchases. You can use KBC-Online for Business to enable or disable this function (for each card holder).

Once the card is loaded

The card holder will have access to the money within an hour. 

Which account should you choose?

A card obviously needs to be linked to an account. The KBC Business Prepaid Card can be combined with:

Summary of charges

 

KBC Business Account

KBC Law Office Account

 

KBC Business PRO

KBC Business Compact

KBC Business Convenience

Annual fee 26.62 euros 18.15 euros

Paying retailers (worldwide)

  • In euros: free of charge
  • In foreign currency: 1.6% exchange commission

  • In euros: free of charge
  • In foreign currency: 1.6% exchange commission
Online transactions
Withdrawing cash at ATMs 1.21% of the amount withdrawn, with a minimum charge of 6.05 euros 1.21% of the amount withdrawn, with a minimum charge of 6.05 euros
Withdrawing cash in a financial institution or bureau de change 2.42% of the amount withdrawn, with a minimum charge of 6.05 euros 2.42% of the amount withdrawn, with a minimum charge of 6.05 euros

Exchange rate: indicative rate set by the European Central Bank (plus an exchange margin of 1.6% for payments and withdrawals in a currency other than the euro).

Spending limits

  • Cash withdrawals: as standard, the maximum amount you can withdraw using your KBC Business Prepaid Card is set at 650 euros every 4 days. You can adjust this limit via KBC-Online for Business. There is no monthly maximum.
  • Card payments: there are no spending limits when you pay with your KBC Business Prepaid Card. However, the maximum amount you can have on your card is limited to 5,000 euros. You can top up your card as often as you like via KBC-Online for Business.

Pay quickly, easily and safely with contactless

Make contactless payments by simply holding your card against the payment terminal and then see whether payment went through on the screen. You’ll sometimes be asked to enter your PIN to verify that the card is yours. Contactless payments are processed in the same way as when you insert your card into the terminal and enter your PIN. If you prefer not to use your card’s contactless feature, it’s easy to disable.

Restriction on the KBC Business Prepaid Card

The balance on your KBC Business Prepaid Card cannot go below zero i.e. go into the red. So, you cannot run up any credit.

You cannot use the KBC Business Prepaid Card to pay in places where the balance is not checked in real time. Examples include tollbooths, filling stations*, vending machines, underground car parks, when on board aeroplanes and when hiring a car.

*Additional information for paying at filling stations: if there is a point-of-sale terminal outside, you can refuel, though it is best to make sure that the available balance on your card is at least 125 euros. Because the exact amount of the payment is not known in advance, a set amount from your available balance is reserved each time you refuel to ensure that you can make the payment. That amount is usually 125 euros. Settlement takes place two days after you have refuelled, and you will be paid back the difference.

The only limitation

You can use the card easily in shops carrying the Mastercard logo worldwide, as well as online in web shops. You can't use it in places where the balance can't be checked in real time, for example tollbooths, drink vending machines and underground car parks. You can only use your prepaid card in the US if you activate it in advance for that purpose.

You can use the card for refuelling at filling stations with outdoor payment terminals. However, it's best to make sure you have an available balance of at least 125 euros on your card. Because the exact amount of the payment is not known in advance, a set amount from your available balance is reserved each time you refuel to ensure that you can make the payment. That amount is usually 125 euros. Settlement takes place two days after you have refuelled, and you will be paid back the difference. 

Lost or stolen card? Call CardStop

Always keep your card in a safe place and keep your PIN secret. If your card is lost or stolen, call Card Stop on +32 70 344 344.

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