KBC Mastercard Business Essential

KBC Mastercard Business Essential

Worldwide payment convenience

With a credit card, you can make payments and withdraw cash anywhere in the world. Payments and cash withdrawals outside the European Monetary Union are converted at a favourable exchange rate.

Simple to use

Confirm payments using your PIN or by signing. Use your card to pay for online purchases, as well.

Quick and easy online application process

Use Touch or the Business Dashboard to submit your digital application for your credit card. Easily done from home on your PC or tablet. Your card will then be sent to you by post.

Apply for a credit card

Make payments and withdraw cash

Mastercard Business Essential

With the KBC Mastercard Business Essential, you can make business payments worldwide in shops displaying the Mastercard logo. All you have to do is use your PIN or sign for your transaction. If you need cash, you can use your card at any ATM displaying the Mastercard logo, anywhere in the world. In countries outside the European Monetary Union, you automatically get a good exchange rate.

You can pay online with your KBC Mastercard Business Essential by entering your card details or by using the KBC Card Reader.

Tip: manage your business cards yourself online.

The KBC Mastercard Business Essential gives you access to KBC-Online for Business

KBC-Online for Business gives you the freedom to set quickly and securely online where and when your KBC Mastercard Business Essential can be used. If you're not abroad, you can (temporarily) disable use of the card outside Belgium.

You can also use KBC-Online for Business to (temporarily) enable or disable online payments with your KBC Mastercard Business Essential.

Find out more about KBC-Online for Business

Which account should you choose?

A credit card obviously need to be linked to an account. The KBC Mastercard Business Essential can be combined with:

Summary of charges

  KBC Business Account

KBC Business PRO

KBC Business Compact

KBC Business Convenience

Annual fee 22 euros 15 euros
Paying retailers Free of charge Free of charge
Online transactions Free of charge Free of charge
Withdrawing cash at ATMs 1% of the amount withdrawn, with a minimum charge of 5 euros 1% of the amount withdrawn, with a minimum charge of 5 euros
Withdrawing cash in a financial institution or bureau de change 2% of the amount withdrawn, with a minimum charge of 5 euros 2% of the amount withdrawn, with a minimum charge of 5 euros
Several card holders    

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: the maximum amount you can withdraw using your KBC Mastercard Business Essential is 620 euros every 4 days (at an ATM)
  • Card payments: as standard, the maximum amount that can be paid using your KBC Mastercard Business Essential is set at 3,000 euros per month. You can adjust this limit via KBC-Online for Business up to a maximum of 250,000 euros per month.

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.

Use Touch or the Business Dashboard to submit your digital application for a credit card

Apply for your credit card online
Sign your application digitally
Receive the card by post if your application is approved

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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