Our General Banking Terms and Conditions, legal documents and product regulations are available here for your information. You can view them online or, if you prefer, you can download them instead. Of course, they can also be obtained from your KBC Bank branch.


Belgian Bankers' Association Code of Conduct

The Belgian Bankers' Association Code of Conduct has been drawn up by the Belgian Bankers' and Stockbroking Firms' Association, the organisation representing banks and savings banks in Belgium. This publication contains the rules that banks and savings banks have to follow in their relationship with private customers.

Full text (in Dutch or French) provided on the Febelfin website.

General Banking Terms and Conditions

General Banking conditions from 01 april 2021

View the General Banking Conditions

View the main changes

KBC Bank Embargo Policy

KBC Bank must comply with financial and trade embargoes issued by the United Nations (made enforceable in Belgium),  the European Union and by the Belgian legislator, but also embargoes issued by the USA (OFAC).
Read here the KBC Bank Embargo Policy.

Information on the Conflicts of Interest Policy

The European Markets in Financial Instruments Directive (MiFID) obliges investment undertakings to draw up a written policy for managing their conflicts of interest when providing investment services. The Royal Decree of 21 February 2014 on the code of conduct and rules for managing conflicts of interest imposes the same requirement on insurance companies. The following publications contain more information on how KBC Bank and KBC Insurance have drawn up their policy.

Information on Politically Exposed Persons



Payment cards





Non-life covers

General conditions first house (main residence)

General conditions second home

General conditions family policy

Life and Health Insurance

Saving & investing


Product rating

Investor protection

Sustainable finance disclosure

Tax matters



Consult previous versions of these documents

If you're in doubt whether the document on this page is the most recent version or if you'd like to see a previous version, don't hesitate to contact your KBC Bank branch. They will be glad to provide you with the latest and earlier versions of these legal documents and regulations.

We're here to help

Power cuts

What to do in a power cut or outage?
Power cuts

Pay with your phone or smartwatch

  • No cash, cards or card readers needed
  • In shops or online
  • With friends and family
Pay with your phone or smartwatch

What happens to your savings account if you die?

KBC is required to temporarily block all accounts in the event of the account holder's death. Find out how and when the savings are released.
What happens to your savings account if you die?

What to do when someone dies

We’re here to provide practical help on the things you need to do. Read the full text and/or use our handy checklist.
What to do when someone dies