Verification of Payee and instant credit transfers

No additional costs are charged for checking the name and account number at the beneficiary bank.

All KBC customers who use our digital applications (such as KBC Mobile, KBC Touch, KBC-Online for Business, KBC Business en KBC Reach) use this service automatically.

After a transfer, you will receive one of the following three notifications: a green, orange or grey notification shaped like a shield.

Green notification
When you see a green notification when transferring money to a person or a company, it means the name and account number you entered match the details in the beneficiary bank’s records. We perform this additional check to confirm whether the details are accurate and it is safe for you to transfer the money.

Orange notification
The name and the account number do not match. This can mean two things:

• The details are a close match: you will receive an orange notification if the beneficiary’s name differs slightly from the name in the beneficiary bank’s records. Perhaps there was a typo in the information you entered: for example, ‘Jansens’ instead of ‘Janssens’. The notification will contain a suggestion for the correct name. Always check whether the name suggested is the correct name.
• The details are not a match: you will also receive an orange notification if the name and account number you entered do not at all match the details in the beneficiary bank’s records.

Grey notification
In certain cases, we may be unable to check whether the name and account number entered match the details in the beneficiary bank’s records.

You can receive a grey notification for various reasons:

• We, our partner performing the check or the beneficiary bank could be experiencing technical difficulties.
• It may also be the case that the beneficiary bank doesn’t offer this additional check yet or the account may have only just been opened.

Always check the name and the account number
If you continue with the transfer without making any changes, the amount could be sent to the wrong beneficiary. You will be liable for the transfer if it is fraudulent.

What to do if you suspect fraud or have doubts about a payment
If you’ve fallen victim to fraud or suspect this might be the case, it’s important that you immediately contact Secure4u, our fraud department. You can call them 24/7 on 016 432 000.

Checking the name entered takes no more than five seconds. You will usually receive a notification straight away.

Transfers to personal accounts

• Be sure to enter at least the surname in the beneficiary field
• Contact the person or company you are transferring money to and ask for the full name of the person or company

Transfers to business accounts

Check the details and, if necessary, contact the beneficiary (note that contact details on a forged invoice may also be fake).

Yes, you can. You always decide whether to proceed with the transfer. Please note that if you choose to proceed with the transfer after receiving an orange or a grey notification without changing any details, you will be liable for the transfer if it is fraudulent.

For private individuals, we will check the surname and first name of all account holders (in other words, the people linked to the account). In case of a typo, we will only show the name of the account holder whose name you entered.

For legal entities, we will check the legal names registered with the beneficiary bank as well as any legal abbreviations registered with the bank.

If you hand in a transfer form at your KBC branch, we will process the transfer and check the beneficiary’s name while you’re there.

We check all transfers – both traditional and instant – made using our KBC Mobile, KBC Touch, KBC-Online for Business, KBC Business and KBC Reach applications.

We will check the name entered against the name we have on record (the legal name).

If the name is a match, your payer will receive a notification shaped like a green shield and the payment can proceed. If the name is not a match, an orange shield will be shown.

When your payer sees a notification, they may have some concerns. The best way to avoid unnecessary questions and delays is to make sure the name on your invoices is identical to the name we have on record.

We are able to check not only legal names but also commercial names. Therefore, we recommend that you register your commercial name in the CBE database.

Yes, it is. Before signing the transfer, you will receive a notification informing you whether the name linked to the account number matches the name the beneficiary bank has on record.

That depends on the situation.

• We will never show the name of a private individual when you only enter the account number for a transfer. Only if there are slight differences in the name, for instance if it contains an obvious typo, do we show the name the beneficiary bank has on record (for example, ‘Jansens’ instead of ‘Janssens’).
• For transfers to legal entities, we will show the legal name.

No, the check is not performed on direct debits. 

• Foreign-currency payments
• Bank card payments
• If the beneficiary’s IBAN number and name are not manually entered by you
• Direct debits

Yes, it is. The check is performed both when setting up and when signing the standing order. Please note that once you’ve signed the order, we do not perform the check on any subsequent transfers.
Standing orders set up in the past are not subject to this check. The check is only performed when setting up and signing the order. This means you may need to enter these details again.

No, the check is only performed on SEPA credit transfers. This means that transfers in currencies other than the euro are not subject to this check.

If you have only recently opened a new account or if the name on your invoice is not identical to the name we have on record, payers may receive an orange or grey notification when transferring money to you. The best way to avoid unnecessary questions is to make sure the name on your invoices is identical to the name we have on record.

Do you have a company?

• If so, be sure to include your company's full legal name and legally recognised abbreviation on your invoices (in addition to your trade name).
• Where necessary, update your registration in the CBE database by also entering trade names, not just the name and abbreviation appearing in the Articles of Association.

Are you a sole trader?

• The payee will not be verified based on the trade name, but on your personal name. Even if your trade name is registered in the CBE database, the check will still be performed on your personal name.
• Make sure that your personal name is included on the invoice in its invoicing details, so that the customer can enter those details when transferring money to you (do not use the trade name).
  

You can register your details in one of two ways:
1. Update your details directly in the CBE database via MyEnterprise:
• Log in using itsme® or your eID (only your company’s legal representative has access)
• Add your trade name under ‘Entity details’
• You’ll receive confirmation by e-mail or in your mailboxLearn more by watching this instructional video on the FPS Economy site.

2. A business one-stop shop known as a ‘business counter’ will take care of the registration for you.
You can find a counter near you at weblist.economie.fgov.be/en/business-counters.
Important:
• Enter the commercial name of your company (not of your establishment units).
• The CBE sends your details to SurePay just once a month, on each first Sunday. It is only then that your new or modified trade name will be used when required for verification purposes.

Are you a legal entity?
We take account of the commercial name that you’ve registered in the CBE database for verifying the payee's name.

Are you a sole trader?
In that case, the payee will not be verified based on the commercial name, but on the surname and first name of the account holder(s).
 

You can register your details in one of two ways:

1. Update your details directly in the CBE database via MyEnterprise:

• Log in using itsme® or your eID (only your company’s legal representative has access)
• Add your trade name under ‘Entity details’
• You’ll receive confirmation by e-mail or in your mailbox

Learn more by watching this on the FPS Economy site:

2. A business one-stop shop known as a ‘business counter’ will take care of the registration for you.

You can find a counter near you at weblist.economie.fgov.be/en/business-counters.

Important:

• Enter the commercial name of your company (not of your establishment units).
• The CBE sends your details to SurePay just once a month, on each first Sunday. It is only then that your new or modified trade name will be used when required for verification purposes.

Are you a legal entity?
We take account of the commercial name that you’ve registered in the CBE database for verifying the payee's name.

Are you a sole trader?
In that case, the payee will not be verified based on the commercial name, but on the surname and first name of the account holder(s).

The VOP Bulk Portal is a secure, standalone application that lets you verify the account number (IBAN) and beneficiary name for multiple SEPA credit transfers included in a single batched payment.

This verification is performed before you initiate and authorise the batch using one of our payment applications (such as KBC Reach or KBC-Online for Business). 

Access to the portal is granted to payment application users who have the appropriate permissions and who have registered their professional e-mail address in the KBC Business Dashboard.   

If you use Multiconnect or Tessi and do not yet have access, contact your branch.

If you use Online for Business or KBC Reach, you can access the tool via the KBC Business Dashboard. If you use MultiConnect or Tessi, you will receive a link to the portal in an e-mail.

There is no technical limit. 

The cost of using this portal is included in the price of your e-channel (the KBC Business Dashboard, KBC-Online for Business, KBC Reach, Tessi and MultiConnect). 

Your data is processed in a highly secure, closed environment that fully complies with European and Belgian security and privacy requirements. 

You’ll receive an invitation e-mail from no-reply-ibannamecheck@kbc.be with a link that remains valid for seven days.

Click on the link and follow these steps:

• enter your business e-mail address (it must be registered in the Business Dashboard)
• choose a password that meets the requirements
• download an authentication app (e.g., Google Authenticator)
• Scan the QR code and enter the one-time code

After completing these steps, you’ll have access to the portal.

Start by checking whether you’ve registered your professional e-mail address in your KBC Business Dashboard profile.

You should also check your spam or junk e-mail folder. 
If everything is correct and you still haven't received an invitation, send an e-mail to vop@kbc.be to request a new invitation. 

Log in to the KBC Business Dashboard and open your settings via the cogwheel icon

• Click the ‘Your Profile’ tile 
• Click the ‘Your Professional Details’ tile 
• Enter your e-mail address 
• Sign to save the changes 

The invitation link expires after 30 days. If your link has expired, send an to e-mail vop@kbc.be to receive a new invitation.

Yes, you can log in with the other organisation by following the steps below: 

• Accept the invitation. 
• Instead of creating a new password, click ‘Log in’ and enter your existing details in order to be activated for the new organisation as well. 
• Once you’ve been added, you can choose between different organisations after logging in. 

Multi-Factor Authentication (MFA) is a security feature that protects your account by requiring more than one form of authentication when you log in. 
Instead of just a password, MFA asks for additional confirmation. We do this with a notification sent to an authentication app (such as Google Authenticator). 

MFA is important because passwords can be stolen, guessed or leaked. MFA adds an extra layer of security so that someone with your password will still be unable to gain access without the second authentication step. 

How does it work?

1. You enter your username and password 
2. You confirm your identity through a second step, for example by approving a notification on your phone 
3. Following successful authentication, you can securely access your account 

Send an e-mail to vop@kbc.be to request a reset of your MFA. 
After it is reset, you will need to reconfigure MFA when you log back in.   

Yes, you can. Select ‘Remember this device’ while logging in. This will register your device as ‘trusted’ for 30 days. 

Go to the login screen Click ‘Forgot password?’ Enter your e-mail address and follow the link you receive by e-mail to set a new password

Click your profile icon at the top right and choose ‘Sign out’.

• Go to the ‘File Check’ tab 
• (Optional) Download a template file in Excel or CSV format 
• Click ‘Browse’ or drag your file to the upload box 
• Wait until the status ‘Processed successfully’ appears or check any error messages 

You can upload batched payments in the following formats: 

• Excel (.xlsx) 
• CSV (separated by semicolon) 
• PAIN.001 XML (versions 001.03 and 001.09) 

• Use semicolons (;) as a separator in CSV 
• Place names with special characters in inverted commas 
• Avoid empty rows or merged cells 
• Use UTF-8 encoding for CSV files 
• Make sure there are no formulas or macros 
• Stick to the defined column structure, even for unused fields   

This means your file was uploaded correctly and is waiting to be processed. Once processing is complete, this status is updated automatically. 

No, you won’t receive a separate notification. 
However, the batch status will be updated and you can download the result as soon as it is available. 

Once the batch has been processed, you will find it on the right-hand side of the ‘File Check’ screen. 

• Click ‘Download File’ 
• Choose the desired format (Excel or CSV) 
• The file will be saved in your default download folder 

Yes, you can see and download all file checks uploaded by users within your organisation. 

• Match (MTCH): Exact match found
• Close Match (CMTC): Similar name found, suggestion available
• No Match (NMTC): No match, suggestion possible
• Not Able to Match (NOAP): Matching not possible (e.g., PSP not participating, name too short) 

We provide information about the beneficiary. If the result is not a match, we recommend checking the payee's details and correcting them (if necessary) before you execute the batched payment in our payment applications. 

If you decide not to make any changes, you accept full responsibility for the payment and acknowledge that no refund can be claimed in case of fraud. 

You will see a ‘file-level error’ in the portal. 
Common causes include: 

• Mandatory columns missing 
• Incorrect file structure 
• Temporary unavailability of service 

These are ‘row-level errors’. A result file is still generated. 
Columns display error information such as Error Type, Error Code and Error Detail. 

Common row-level errors and solutions

• MANDATORY_FIELD_NOT_PROVIDED (A mandatory field is missing): fill in all mandatory fields (invalid field format)
• INVALID_FIELD (Invalid field format): check if the format follows the rules
• NAME_TOO_LONG (The name is too long): Shorten the name to max. 140 characters
• MUTUALLY_EXCLUSIVE_FIELDS_USED (Conflicting fields have been filled in): Choose either the name or organisation ID

(These appear in the result file at transaction level.) 

• 500 – Internal Server Error: Try again later or contact vop@kbc.be if the problem persists. 
• 503 – Service Unavailable: This is likely maintenance. Wait until after maintenance is complete and try uploading again. 
• 504 – Gateway Timeout: A bank did not respond within the statutory VOP deadline. Try the entry again with a new file check. 

These are ‘row-level errors’. A result file is still generated. 
Columns display error information such as Error Type, Error Code and Error Detail. 

Common row-level errors and solutions

• MANDATORY_FIELD_NOT_PROVIDED (A mandatory field is missing): fill in all mandatory fields (invalid field format)
• INVALID_FIELD (Invalid field format): check if the format follows the rules
• NAME_TOO_LONG (The name is too long): Shorten the name to max. 140 characters
• MUTUALLY_EXCLUSIVE_FIELDS_USED (Conflicting fields have been filled in): Choose either the name or organisation ID

These are ‘row-level errors’. A result file is still generated. 
Columns display error information such as Error Type, Error Code and Error Detail. 

Common row-level errors and solutions

• MANDATORY_FIELD_NOT_PROVIDED (A mandatory field is missing): fill in all mandatory fields (invalid field format)
• INVALID_FIELD (Invalid field format): check if the format follows the rules
• NAME_TOO_LONG (The name is too long): Shorten the name to max. 140 characters
• MUTUALLY_EXCLUSIVE_FIELDS_USED (Conflicting fields have been filled in): Choose either the name or organisation ID

When you carry out an instant credit transfer (always in euros), the money is credited to the payee's account within seconds (10 at most), 24/7 (including at night, on weekends, public holidays and bank holidays).

When you make a traditional credit transfer, the money is paid into the payee's account no later than the next banking day.

After signing the instant credit transfer, you’re automatically taken back to the page you were on.

If an instant credit transfer fails, a pop-up appears saying that instant processing is not possible. You then have two options:

• Continue but then with a traditional credit transfer
• Cancel the transfer

If you opt for a traditional credit transfer, its details will already be filled in. All you have to do is sign it again.  

If we fail to receive a status update for the instant credit transfer within 10 seconds, you’ll be taken back to the page you were on before you initiated the transfer.

As soon as its status comes through, you’ll see a pink pop-up (fly-in notification) in the top right of the screen with the outcome of the payment order.

A link to the list of failed instant credit transfers is provided in that notification. When you follow the link, you can make the same payment again in just one click, but then as a traditional credit transfer. All you have to do is sign it again.

If you’re not currently logged in to Reach, you’ll see the notification the next time you log in.  

There may be several causes. For example, this could be due to a technical problem, the payee's bank not accepting instant credit transfers, or because the payee's account has been closed.

Instant credit transfers are carried out at no extra charge.

The money is available to the payee in seconds when transferred this way.

Yes, instant credit transfers can be made to foreign account numbers within SEPA*, provided the payee's bank is able to receive this type of transfer. Overview of countries where banks must be able to receive instant credit transfers:

• EEA (euro): mandatory from 9 January 2025
• EEA (other than euro): mandatory from 9 January 2027
• Other SEPA countries: optional

More detailed information can be found in this EPC Document.

* Find out more about SEPA at What is SEPA? What does it entail for me as a business owner? – KBC Banking & Insurance

Euro-denominated payments made from a euro payment account within SEPA are already possible.

The following capabilities will become available in the future:

• Euro-denominated payments from a non-euro payment account within SEPA
• Standing orders (until then, standing orders will continue to be processed as traditional credit transfers. However, you can select a non-banking day and your account will be debited accordingly, but the payee's account will not be credited until the next banking day.)

No, it cannot. The amount is typically credited to the payee’s account in a matter of seconds.  This means that instant credit transfers cannot be cancelled. 

If you still want to revoke the payment, you should contact the beneficiary. 

The same limits apply as for traditional credit transfers.

In addition, the transaction limit for outgoing instant credit transfers is 1 000 000 euros. Any transaction higher than 1 000 000 euros cannot be carried out as an instant credit transfer. 

If you wish, you can also start setting your own limit for instant credit transfers as from 24 August 2026 (in Online for Business and via your branch) and as from November 2026 (date to be finalised – in KBC Mobile and KBC Touch). The limit can be set to any amount between 0.01 euro and 1 000 000 euros.

By default, no transaction limit is set for instant credit transfers (apart from the general transaction limit of 1 million euros – see previous question). However, you can set your own limit at account level. This limit applies to each outgoing instant credit transfer, including Wero payments and batch payment transactions.

When a transaction limit is set, it is applied immediately across all the channels where you can carry out instant credit transfers (including the KBC Business app and KBC Reach), i.e. you don’t have to wait for the limit to take effect.

You can manage the limit for a personal account if you are the holder or joint holder of that account. However, you must be an administrator to do that for a business account.

If you exceed the limit set for you, you can choose either to make payment using a traditional credit transfer (except for Wero, which only offers instant credit transfers) or to increase your limit first and then enter the transaction details again.

The transaction limit does not apply to transfers between accounts in your name or held jointly with someone else.

Yes, instant credit transfers are possible from any type of euro payment account held at KBC.

Yes, KBC has long supported instant credit transfer processing, thus enabling you to receive such transfers on your KBC accounts. The processing speed (instant/traditional) is always provided in the transaction details. 

At KBC, you can choose between instant and traditional credit transfers. All transfers in KBC Mobile and KBC Touch are processed as instant credit transfers by default.

If you adjust the execution speed in the general settings, that setting will be applied to all new credit transfers.

For each individual transfer, you can always change the speed for that specific transaction. 

After signing the instant credit transfer, you’re automatically taken back to the page you were on.

If an instant credit transfer fails, a pop-up appears saying that instant processing is not possible. You then have two options:

• Continue but then with a traditional credit transfer
• Cancel the transfer

If you opt for a traditional credit transfer, its details will already be filled in. All you have to do is sign it again. 

Yes, you also have the choice of instant and traditional credit transfers when you use Kate.

By default, Kate processes transfers instantly. If you adjust your execution speed in the general settings, Kate will follow suit.

Both instant and traditional credit transfer instructions you’ve included in the remittance folder will also be carried out.

Yes, they can. The person entering the credit transfer details can specify the processing speed. The last person to sign will then receive feedback on whether the transfer went through or not.
If instant processing is not possible, the last person to sign can change the processing speed to that for a traditional credit transfer without the others having to sign again.

Yes they are. By default, future-dated payments are carried out as quickly as possible on the chosen date.

When creating such a payment, you can select any calendar day and adjust the speed to ‘instant’ or ‘traditional’ as required. The general speed setting you use for transfers that are not future-dated does not apply here.

Future-dated payment orders that have been created before 7 September 2026 will be processed as traditional credit transfers. Their processing speed can no longer be changed.

This procedure also applies to future-dated payment orders created through Kate.

It depends on the speed you have chosen:

As fast as possible: if an instant credit transfer fails, the transaction will be carried out as a traditional credit transfer. If that fails too, you’ll receive a notification in your banking app no later than the next banking day.

Traditional: you’ll receive a notification in your banking app no later than the next banking day.

Instant:

• if KBC Mobile is the channel you used to enter the payment instructions, you’ll receive a push notification in KBC Mobile. Where possible, you’ll also see a debit or credit entry in your overview of transactions.
• If KBC Touch is the channel you used to enter the payment instructions, you’ll receive a notification (in both KBC Mobile and KBC Touch). Where possible, you’ll also see a debit or credit entry in your overview of transactions.
  

Yes, you can set a transaction limit for instant credit transfers if you wish. More information on this limit can be found in section 1 of these FAQs (see ‘What is the transaction limit for instant credit transfers?’).

At KBC, you can choose between instant and traditional credit transfers.

In KBC-Online for Business and the KBC Business app, transfers are processed as instant credit transfers by default.  

You can adjust the execution speed in the general settings of KBC-Online for Business. 

This setting will apply to all new credit transfers in both Online for Business and the Business app. For each new credit transfer, you can still adjust the execution speed per transaction. 

* The default execution speed can be configured in the general settings per company. 

If an instant credit transfer fails, you can either cancel it or have it carried out as a traditional credit transfer.
You are free to choose the speed of execution for each one of your transfers.

Online for Business & worksheet transactions in KBC Business:
Depending on whether the instant credit transfer went through or not, you’ll be taken directly to the ‘Processed payment orders’ screen or the ‘Failed instant credit transfers’ screen after signing the transfer(s).

• The instant credit transfer was successful: a green pop-up will tell you that the instant credit transfer has been successfully processed and you’ll be immediately redirected to the ‘Processed payment orders’ screen.
• The instant credit transfer failed: an orange pop-up will show how many instant credit transfers went through and how many failed. You’ll also be immediately redirected to the ‘Failed instant credit transfers’ screen. Those transfers can be submitted again but then as traditional credit transfers. Instant credit transfers that cannot be submitted again as a traditional credit transfer will appear on the ‘Failed transfers’ screen.

Individual transfers initiated directly in the KBC Business app:
For individual instant credit transfers that are entered and signed directly in the KBC Business app, you’ll receive feedback in the transfer flow, just as you would in KBC Mobile and KBC Touch.
 

If 10 seconds pass and we haven’t received a status update on the instant credit transfer entered, the status ‘Payment unknown’ will appear in the Online for Business worksheet. Once the status is known, you’ll receive a message in Online for Business with the outcome of the payment.

You’ll receive a push notification and a message in the KBC Business app as soon as the status of your payment is known.

By default, future-dated payments will be carried out as quickly as possible on the chosen date as from 24 August 2026 (in Online for Business) and 7 September 2026 (in KBC Business).

When creating such a payment, you can select any calendar day and adjust the speed to ‘instant’ or ‘traditional’ as required. The general speed setting you use for transfers that are not future-dated does not apply here.

Future-dated payment orders that have been entered before 24 August (Online for Business) or 7 September 2026 (KBC Business) will be processed as traditional credit transfers. However, it is still possible to change the processing speed but only in Online for Business.

Yes, you can set a transaction limit for instant credit transfers if you wish. More information on this limit can be found in section 1 of these FAQs (see ‘What is the transaction limit for instant credit transfers?’).

At KBC, you can choose between instant and traditional credit transfers.

All transfers in KBC Reach are processed as instant credit transfers by default.

You can change this at the transaction level by setting the execution speed to traditional.

If you do so, that particular transfer will be carried out as a traditional credit transfer.  

After signing the instant credit transfer entered, you’ll be redirected to the page you were working on.

If the instant credit transfer doesn’t go through, a pop-up will appear telling you that instant processing is not possible. You can then either continue, but then with a traditional credit transfer, or you can cancel the transfer.

If you continue with a traditional credit transfer, the details will already be filled in, so all you have to do is sign again.

If 10 seconds pass and we haven’t received a status update on the instant credit transfer entered, you will be redirected to the page you were working on before you entered the transfer details.

As soon as the status is known, a pink pop-up will appear in the top right of the screen indicating the transfer’s status. The pop-up contains a link to the list of failed instant credit transfers.

When you follow the link, you’ll see a button for submitting the same payment again, but then as a traditional credit transfer. All you have to do is sign it again.

If you’re no longer working in KBC Reach when the status comes through, you’ll see the pink pop-up the next time you log in.

Yes, you can set a transaction limit for instant credit transfers if you wish. More information on this limit can be found in section 1 of these FAQs (see ‘What is the transaction limit for instant credit transfers?’).

Yes, they are. By adding the note ‘INST’ to the ‘Local Instrument Code’ field at the ‘Payment Information’ level*, you can carry out an instant credit transfer.

The transfer will be processed as a traditional credit transfer if this field:

• is not completed
• contains a value other than ‘INST’
• has been completed only at transaction level

* The ‘Local Instrument Code’ field is shown at both the ‘Payment Information’ and ‘Transaction’ levels.
Only the value set at Payment Information level determines whether the instruction to carry out an instant credit transfer is executed.

At KBC, an instant credit transfer is possible for all PAIN.001 versions (version 2, 3 and 9).

Important:

Batched payments with instant credit transfers are processed 24/7.

Each batch is first converted into individual payment transactions before being executed.
This conversion takes place one transaction at a time, so large batches may take a while.

It is therefore possible that batches submitted late in the evening might not be fully converted, processed and executed before the next day.  

Yes, you can see this in:

• KBC-Online for Business by checking the details of the batched payment or the notifications under ‘New for you’
• KBC Reach under ‘Cash Management’
• CODA and CAMT by checking the (debit/credit) account status
• PAIN.002
  

If instant processing isn’t possible, the transactions will be rejected. You will then have to re-enter the details of the failed transactions.

In KBC-Online for Business, you can track the status by checking the details of the batched payment. 

In the other channels, you can track the status via the account information (debit/credit). 

Yes, there is a transaction limit of 1 000 000 euros. Any transaction higher than 1 000 000 euros cannot be carried out as an instant credit transfer.

If you wish, you can also set your own limit for instant credit transfers. The limit can be set to any amount between 0.01 euro and 1 000 000 euros. If you set such a limit, every transaction from the batched payment will be checked against it (for more information on the transaction limit for instant payments, see ‘What is the transaction limit for instant credit transfers?’ in section 1 of these FAQs).

• If you submit a batched payment before 2.30 p.m.* on a banking day, the beneficiary bank will receive the transfers on the same day.
• If you opt to pay for ‘Urgent’ processing, this can be done until 4 p.m.** at the latest for batched payments with a maximum of one transaction.

* A transfer is only registered once KBC has received it correctly signed and the amount can be debited from the account. This applies on all weekdays except: 
New Year’s Day (1 January), Good Friday, Easter Monday, Labour Day (1 May), Christmas Day and Boxing Day (25 and 26 December). 
** Until 4.25 p.m. at the latest in KBC Reach. 

Yes, the ‘Urgent’ option is still available.

We will continue to provide daily reporting at no additional cost.

This also applies: 

• on weekends 
• during bank holidays 
• on public holidays 

And to all the reporting products offered: 

• CODA
• SWIFT MT94x 
• CAMT.05x
• Isabel reporting 

You will continue to receive account statements in CODA, CAMT and MT format. 

• Participating KBC accounts in Belgium are zero-balanced every calendar day, including at weekends and on public and bank holidays. 
• At present, nothing will change for KBC accounts held abroad, i.e. they will be zero-balanced only on business days. 

• Tessi and Multiconnect follow the same procedure as described above. 
• For Cedacri, enter the code ‘FAST’ at Service Level.  

Yes, it is. 
We use traditional credit transfers at bank branches.  
If you ask for an instant credit transfer at your bank branch, the staff member there can initiate the transfer for you. After entering the transfer details, they will receive feedback on the status within 10 seconds and notify you immediately. 
You should therefore wait for them to confirm that the transfer was successful.

If feedback is not received in time, the staff member will not be able to confirm whether the transfer went through. 

In this case, you should contact your branch again later. 
Once the status is known, the staff member will see whether the instant credit transfer was successful or not and notify you accordingly. 

If an instant credit transfer fails, 
the amount concerned will be paid back into your account.

The standard way that future-dated payments are processed through your branch is ‘as fast as possible’. Unlike the digital channels, we cannot adjust or change this processing speed in the branch.

Yes, you can also set a transaction limit through your branch.
More information on this limit can be found in section 1 of these FAQs (see ‘What is the transaction limit for instant credit transfers?’).