Frequently asked questions about KBC K'Ching

Frequently asked questions

Frequently asked questions about KBC K'Ching

Frequently asked questions

General questions on the KBC K'Ching app

What do I need to be able to use KBC K'Ching?

  1. A smartphone.
  2. A KBC Bank Card and a new-generation KBC Card Reader.
  3. A KBC Current Account. You can open one online or in your branch. If you're under 18, one of your parents can open a current account in your name in KBC Touch.

On what types of smartphone can I use KBC K'Ching?

KBC K'Ching is made for iPhone and Android devices. See our system requirements for supported operating systems.

Is KBC K'Ching free?

Yes it is!

Signing up for KBC K'Ching if you already bank with us

How do I sign up for KBC K'Ching?

Install the official app from your app store. All you have to do then is complete our secure registration and activation process directly from the app.

What is a PIN?

This is the code you use to log in and sign transactions once you’ve registered your device.

Where can I find my card number?

Your card number is a unique, personal number that you will find on your KBC Bank Card. You need it when going through the registration and activation procedures on your device.

Can I use KBC K'Ching straightaway?

Yes, once you’ve installed the KBC K'Ching app, completed the registration and activation processes (you only have to do this once) and set your PIN.

Can I use KBC K'Ching on more than one device?

Yes, although you’ll need to complete the registration and activation processes and set your PIN for each device. It’s up to you whether to use a different PIN for each device or to go for the same one for all.

Can I use KBC K'Ching and KBC Mobile on the same device?

Yes, although you’ll need to complete the registration and activation processes and set your PIN for each app. It’s up to you whether to use a different PIN for each app or to go for the same one for both.

Can several users work on the same device?

No, a smartphone is treated as a personal device and therefore cannot be used by more than one user.

Don't forget that if someone logs in as an active user on a smartphone using the registration and activation procedures, they become the only active user on that device. This means that the previous user will no longer be able to log in (unless they complete the registration and activation procedures again).

Why do I need to request a new PIN if I replace my device or wish to use an additional one?

This is so that your new device is recognised for use with KBC K'Ching and security is guaranteed.

Can I use letters and numbers in the PIN I choose?

The PIN for the KBC K'Ching app must consist of five digits. Letters are not permitted.

Signing up for KBC K'Ching if you don't yet bank with us

How do I start using KBC K'Ching if I'm not yet a KBC client?

You need a KBC Current Account to start using the app. You can open one online or in your branch. If you're under 18, one of your parents can open a current account in your name in KBC Touch.

Logging in to the app

Can I change my KBC K'Ching PIN?

Yes. Just log in and go to ‘My profile’ to change it.

After three failed attempts, my PIN has been blocked. What should I do now?

If your PIN has been blocked, you can request a new one using ‘Forgotten PIN’ in the main menu. This involves going through the registration procedure again using your bank card and card reader.

App features: personalising my app

How can I pimp my app?

Feeling like a superstar one day and a bit melodramatic the next? In ‘Settings’, you can quickly change the layout to reflect how you're feeling.

Can I put together my own theme?

No, you can't. You can only choose from a series of themes.

Can I change my name without having to go to the local government offices?

You can't change your real name using KBC K'Ching, but you can choose one to use in the app. You can do this when you sign up for KBC K'Ching. Afterwards you can change this name at any time by selecting ‘My profile’ and then ‘Settings’.

I've got a number of current accounts or savings accounts. Can I choose which one I see?

If you've more than one current account, you should go into ‘Settings’ and select the one you want as your ‘main account’. You will then be able to transfer money from this account, see which transactions you've carried out on it, check the balance in your login screen and withdraw money using MobileCash. You're free to change your main account at any time.
Even if you have more than one savings account, you can select the one you want as your 'main savings account' under ‘Settings’.

My boyfriend/girlfriend transfers money to me now and again. Can I link those transfers to a photo of him/her?

Yes, you can. You can save his/her details in your list of contacts and also add a favourite photo of him/her. Each time there's a money transfer between both of you, that photo will appear in your account information. Of course, you can always save other people's details in your list of contacts, such as your parents, your friends, and so on

Can I import the contacts from my smartphone into KBC K'Ching?

No, that’s not possible.

Can I stop receiving jokes and fun facts?

No, you can't. But then again, you're never too old to learn something new... and anyway, laughing is good for you!

App features: viewing account information

What accounts will I see in my account information?

You see information relating to one current account, one savings account and one Start2Save account. If you've more than one current account, you can go into ‘Settings’ and select the account for which information is to be displayed. You're free to do that at any time. Even if you have more than one savings account, you can go into ‘Settings’ and select the savings account for which information is to be displayed.
If you and your partner have a joint account, you can see that too in the KBC K'Ching app.

How is my account information displayed?

Your transactions are grouped by counterparty. For instance, if your parents transfer pocket money to you every week, all those transactions will be neatly grouped together, with the most recent transfer at the top.

Can I see the balance of my account without having to log in each time?

Yes, you can. Go into 'Settings' and select the option to see the balance of your current account, savings account or both in your login screen. It'll save you the trouble of logging in each time to check if those millions have been credited to your account…
If you decide that you no longer want to display the balance on your login screen, you can quickly go back into ‘Settings’ and disable the facility.

I can see the transactions on my account but not the balance. Where can I find it?

Just swipe down your transactions and hey presto, there it is!

How far back can I check my transactions?

You can check your transactions going back 10 years.

Can I search my account information?

No, that’s not possible in the KBC K'Ching app.

App features: credit transfers

Can I only transfer money between my own accounts?

No, you can also transfer money to other accounts in the euro area. If you're under 18, however, you'll need your parents' authorisation (power of attorney) to do this. If you don't have this authorisation, your branch can sort it out for you.

Can I change a limit?

If you're over 18, you can do that yourself by going into your app's 'Settings'. Your limits are separate to those you set in MobilePay or MobileCash (for cash withdrawals). Learn more about limits. Changes you make to your limits apply to all devices on which you've installed the KBC K'Ching app.
If you’re still under 18, your parents can change the limits in your branch.

Can I save new contacts in KBC K'Ching?

Yes, you can. The KBC K'Ching app lets you save a new contact in its 'Settings'.

I've more than one current account and want to transfer money from one of the other ones. Is that possible?

Yes, it is. If you've a number of current accounts, you can go into ‘Settings’ and select the current account you want as your main one. You can then see all the relevant information for it and make transfers from it.

I've more than one savings account and want to transfer money from one of the other ones. Is that possible?

Yes, it is. If you've a number of savings accounts, you can go into ‘Settings’ and select the savings account you want as your main one. You can then see all the relevant information for it and make transfers to your current account from it.

Can I set up or check transfers that are to be carried out at a future date?

No, unfortunately the KBC K'Ching app does not offer that capability. However, you can do that in KBC Touch or KBC Mobile.

Can I enter or check automatic transfer instructions?

No, unfortunately the KBC K'Ching app does not offer that capability. However, you can do that in KBC Touch or KBC Mobile.

App features: cash withdrawals from KBC ATMs using MobileCash

Do I need my bank card to withdraw cash using my smartphone?

  1. Select 'Withdraw money by MobileCash' in the KBC K'Ching app's login screen and then log in.
  2. In the app, select your account and the amount you want to withdraw.
  3. Touch the ATM screen to display a QR code.
  4. Scan the QR code that appears on the screen using your smartphone's camera.
  5. Sign using your PIN or Touch ID.
  6. Take your money from the ATM cash dispenser.

Do I need my bank card to withdraw cash using my smartphone?

No. All you need is your smartphone, the KBC K'Ching app and the PIN you use for the app.

From which types of accounts can I make cash withdrawals using my smartphone?

You can withdraw money from your current account. If you've a number of current accounts, you can go into ‘Settings’ and set up your main one.

How much can I withdraw using my smartphone?

Any amount that can be made up of 20 and 50 euro banknotes and does not exceed your daily limit for withdrawals. Find out the most you can withdraw and more about limits.

Can I choose the denominations of banknotes when withdrawing cash using my smartphone?

No. You can only select the amount you'd like to withdraw. An amount for withdrawal will be suggested to you based on the amount you previously withdrew using your smartphone. This may vary for each account.
Needless to say, you can specify a different amount if you wish.

Can I change a limit?

If you're over 18, you can do that yourself by going into your app's ‘Settings’. Your mobile limits are separate to those you set in KBC Touch or the limit for credit transfers. Changes you make to your limits apply to all devices on which you use the app.
If you’re still under 18, your parents can change the limits in your branch.

Can I use the app to access the ATM lobby outside branch opening hours?

Yes. You don't even need your bank card to do this.

Can I use MobileCash to take out money from other banks' ATMs?

No. You can only use it to withdraw cash from KBC or CBC ATMs.

Could someone else use my QR code after I have?

No. The QR code that appears on the ATM screen when you use the KBC Mobile Banking app doesn't contain any personal details and only indicates the location of the ATM.

Help

Can I ask KBC K'Ching a question?

Looking for the number to call Card Stop? Just tap the robot and then type 'Card Stop'. Need help? Type help. Feeling hungry? Type…

Who can I contact if I run into problems when installing or using the app?

Our Helpdesk is on hand to assist you! The contact details and opening hours are available on our website.

My device has been stolen. What should I do now?

Call us immediately any time on + 32 15 63 22 80 (emergency number). We’ll ensure that KBC K'Ching is blocked straightaway. You’ll then have to go through the registration and activation procedures again to be able to use KBC K'Ching again.

Why do I keep getting a ‘general error’ message?

If you’ve installed certain mobile apps, they may be preventing your KBC K'Ching app from running properly. These will be apps that cause data sent or received through the 3G network to be compressed beforehand. This distorts encrypted data sent by your KBC K'Ching app which our systems then reject, resulting in an error message.

So, watch out for apps like these and avoid downloading them unnecessarily. And if you already have apps like this installed, uninstall them to avoid problems with KBC K'Ching.
Still have questions or want to learn more? Just call our Helpdesk.

Security

Is KBC K'Ching a secure app?

  • At KBC, we do our utmost to ensure that your mobile banking transactions are as secure as possible.
  • You can only use our mobile banking service on devices you’ve already registered yourself.
  • You need to enter a PIN to log in and confirm transactions. Each time you enter your PIN, a unique, single-use electronic signature is generated and sent to the bank.
  • When you register to use KBC K'Ching on your device, you can set for each type of credit transfer the maximum daily amount (within certain limits) that you can transfer using the app.

Don’t forget that as a user of KBC K'Ching, you too play a vital role in ensuring its security.

  • Keep your PIN secret. Make sure no-one is looking over your shoulder when you’re entering your PIN into an ATM or device.
  • Only use legal software.
  • Always close your mobile banking app when you’ve finished using it.

Get more tips for secure mobile banking.

What if someone steals my PIN? Can they then use it to log in to KBC K'Ching in my name on any device?

You need to register your mobile device to be able to use our KBC K'Ching app on it. You only have to do this once using your card reader and bank card. KBC K'Ching can only be launched on devices you’ve already registered yourself.

What should I do if I’ve discovered unauthorised use?

Call us immediately any time on 0800 65 650 (emergency number).