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

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. We do 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.

We will eventually check all transfers – both standard and instant – made using our digital applications (such as KBC Mobile, KBC Touch, KBC-Online for Business and KBC Reach)

• In the initial phase – July 2025 to October 2025 – we will only check transfers to Belgian payment and savings accounts.
• Starting 10 October 2025, we will check all Single Euro Payments Area (SEPA) transfers to all accounts within the European Economic Area (EEA).

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 and trade names registered with the bank.

If you hand in a transfer form at your KBC branch after November 2025, we will process the transfer and check the beneficiary’s name while you’re there.

We will check the name entered against the name we have on record. Depending on the information we have on record, this may concern the legal name and/or the commercial 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.

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.

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 company’s legal or commercial name.

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

No, it doesn’t. Erroneous collections can be refunded on request up to 8 weeks after the amount has been debited and, in the event of fraud, up to 13 months after the amount has been debited.

• 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 when setting up 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 either. The check is only performed when setting up the order.

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.

We are currently assessing how to proceed with batched payments.