KBC Basic Account
- Get a credit card**, a debit card and the capabilities to pay contactless and bank online
- Check your balance or transfer money on your phone, tablet or desktop
- Open your account online (with itsme®) and start using it right away
- If you live in Brussels, continue with KBC Brussels
- If you live in Wallonia, it’s better to go for CBC
Why open a free current account?
The free KBC Basic Account is ideal for all your day-to-day banking. If you want to do more with it, you can attach add-on services which you only pay for when you use them.
You can use your debit card to make contactless payments quickly and safely. What's more, the free KBC Mobile app gives you access to all the additional services and Kate Deals.
More about this current account
All these standard services are free of charge:
- A debit card for making secure, fast payments in Europe
- Contactless payments with your card
- Mobile banking on your phone (KBC Mobile)
- Online banking on your desktop and tablet (KBC Touch)
- Cash withdrawals at KBC/KBC Brussels/CBC ATMs
- Cash withdrawals (24 times) at non-KBC/KBC Brussels/CBC ATMs or Bancontact CASH points
- Banking at KBC self-service terminals
| Second debit card | 0.75 euros/month |
| Personalised debit card | 10 euros |
| Credit card** | Free |
| Cash withdrawals in euros at other ATMs in Europe |
0.50 euros as from 25th transaction |
| Cash withdrawals in euros at counters | 2.00 euros/transaction |
| Paper-based euro transfers or over-the-counter transfers | 2.00 euros/transaction |
| Goal Alert | 0.99 euros euros/year |
See how in this demo.
After opening your account and before getting your card, KBC Mobile is updated with your card details so you can already use them to make payments. Link your card details to your Apple Wallet, Google Pay app, Fitbit app or wearable and pay right away with your smartphone, smartwatch or wearable.
Move hassle-free from another bank courtesy of our free bank switching service. We’ll sort out virtually everything for you within eight business days.
Get going with the KBC Business Pro Account and keep personal and business transactions strictly separate thanks to the personal account we throw in for free.
Get lots more added benefits with the payment features included in our young person’s account – free of charge.
Even if you don’t currently have Belgian citizenship or a permanent address in Belgium, you can still apply online for a current account with us. It's important to remember that when you arrive in Belgium, you must go to your branch to sign for and pick up your debit card. Be sure to take along your ID card and residence permit.
Account details
| KBC Basic Account | Free |
| Credit card** | Free |
| Second debit card | 0.75 euro/month |
| Personalised debit card | 10 euros |
| Replacement card reader | Free |
| Cash withdrawals in euros at other ATMs in Europe |
0.50 euros as from 25th transaction |
| Cash withdrawals in euros at counters | 2.00 euros/transaction |
| Online banking | |
| Paper-based euro transfers or over-the-counter transfers | 2.00 euros/transaction |
| Instant credit transfers | |
| Free service available through KBC Mobile: digital safe | Charging limited to 5 MB |
| Apple Pay | |
| Goal Alert | 0.99 euros euros/year |
Use a lot of add-ons or want a credit card?
If that's the case, you might consider opening a KBC Plus Account. Switching accounts is easy and you get to keep your card and account number.
More information
* Change to KBC Basic Account rates and charges
Until 30 June 2024, you can use all KBC Basic Account services and applications free of charge. As from 1 July 2024, the cost of the KBC Basic Account will be 2 euros per month.
If you already have a KBC Plus Account and you open an additional KBC Basic Account, that KBC Basic Account will remain free even after 30 June 2024. Important: the holder of the KBC Plus Account and the KBC Basic Account must be the exact same person.
** Subject to your application being approved
The KBC Credit Card is a credit card issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A.
The KBC Flex Budget facility is an open-ended credit facility linked to the KBC Credit Card and used as an additional means of drawing credit.
Lender and card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.
Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. This does not affect your legal rights.
