Contactless payments

Make small payments without having to enter your PIN

Contactless payments

Make small payments without having to enter your PIN

What is paying by contactless?

bank card contactless symbol

Contactless uses NFC or Near Field Communication technology. This enables what you’re paying with to communicate with a payment terminal at short distances. That means there’s no need to insert your debit or credit card into the payment terminal. Instead, you simply hold your card or phone close to it. Contactless is as secure as using your card and PIN to pay.

Like to know more about how contactless works? Be sure to check out our FAQs.

How do you pay by contactless?

Use your phone

Got our Mobile app on your phone? Simply hold your phone close to a payment terminal to make contactless payments. For amounts of up to 25 euros, your phone only needs to be on. There’s no need to even unlock it or open our app. We make it fast and easy!


This feature is available to customers using our Mobile app or Google Pay on an Android phone.

Contactless payment cards

How do you know you can pay by contactless? Look for the contactless symbol (see photo) on your card. If you see the same symbol on a payment terminal, you’re good to go. Just hold your debit card or credit card close to the contactless payment terminal and you’ve paid. Amounts under 25 euros don’t need to be authorised by PIN.

Still have an older card that doesn’t let you pay by contactless? It’s easy to replace it with a new contactless one using our Touch and Mobile apps.

Sports and smart watches

Got a Garmin sports watch or smartwatch with the Garmin Pay app? Make contactless payments by holding your watch close to a payment terminal. It couldn’t be easier!

Frequently asked questions

How do I pay by contactless using the KBC Mobile app on my phone?

  1. Enable contactless payments using KBC Mobile where you manage your debit card settings. Pay by contactless on your phone as long as our app stays on it.
  2. Hold your phone against a contactless payment terminal. For amounts of up to 25 euros, your phone only needs to be on. There’s no need to even unlock it or open our app.
  3. Get payment confirmation from the terminal.

You’ll sometimes still have to enter your KBC Mobile app PIN to spend over 25 euros, make five consecutive payments of under 25 euros or authorise payments bringing you over a total of 50 euros spent on smaller transactions. Once you’ve entered your PIN, you’ll need to hold your phone against the terminal again.

How do I pay by contactless using my KBC payment card?

If the front of your debit or credit card has the contactless symbol on it and you’re at a contactless payment terminal, you’re ready to go.

Briefly hold your card close to the terminal until you see that your payment has been accepted. You don’t even need to enter your PIN when buying things for 25 euros or less. If you’ve made consecutive payments that come to 50 euros in total, you’ll have to reinsert your card into the terminal and enter your PIN to be able to start paying again by contactless.

Is contactless safe to use?

Yes! Contactless is as secure as using your card and PIN to pay. Rest assured: no payment will be made if you pass a contactless terminal with your phone or card. They need to be held right against the terminal for this to happen.
You can use contactless to pay for purchases of up to 25 euros or parking costing up to 50 euros without having to enter your PIN. However, you’ll always have to confirm payment with your PIN (or other smartphone security method) for higher amounts.

If you’ve made consecutive payments that come to 50 euros in total, you’ll have to unlock your phone and enter a PIN or reinsert your card into the terminal and enter your card’s PIN to be able to start paying again by contactless.

What if my KBC payment card's stolen?

If your KBC payment card's stolen, you need to have it stopped as quickly as possible by calling Card Stop (on + 32 70 344 344). That will also block the contactless payments function and keep criminal hands off your money.

If small amounts are debited from your account in the meantime without a PIN entry, KBC will compensate you the amount in question and in that case won't apply the standard 150 euro deductible for unauthorised expenditure prior to a Card Stop notification.

Can I pay contactless without taking my KBC payment card out of my wallet or purse?

Yes, you can. Just hold your wallet or purse close to the payment terminal, but make sure there's one contactless (payment) card in it.

What does paying contactless cost?

You are not charged anything extra. The contactless payments function is included in the price of your KBC payment card.

Where can I pay contactless using a KBC payment card?

You can pay contactless in Belgium or when travelling abroad wherever the shop or merchant you're purchasing goods or services from displays the "contactless payments" icon on their payment terminal.

Can I choose whether or not I pay contactless?

Each time you pay, you yourself decide whether or not to pay contactless. The retailer will first ring up the total on their payment terminal or cash register. You then have a choice of either paying contactless or inserting your card into the terminal.

When is my PIN required when paying contactless?

You need to enter your PIN for payments over 25 euros. In multi-storey car parks (and similar parking structures), the threshold is 50 euros. Outside Belgium, lower thresholds may apply.

Consecutive purchases can be made without entering your PIN until they reach 50 euros. When you reach that threshold you're asked to insert your payment card into the payment terminal and key in your PIN as a security check to prove the card is indeed yours.

For instance:

  • You're buying some odds and ends in the supermarket and the price comes to 12 euros. You pay contactless without entering your PIN.
  • Next door, you see a scarf, which you snap up for 24 euros. You pay contactless without entering your PIN.
  • Next day, you purchase tickets for the movies costing 16 euros. You pay contactless. But your PIN will be required because your total consecutive contactless payments now exceed 50 euros. 

Can I opt to switch off the 'contactless payments' function?

You can opt to switch the contactless function off and back on again in KBC Touch, KBC Mobile and KBC Business Dashboard.

Can I pay contactless using my present KBC payment card?

KBC payment cards that you can make contactless payments with have this symbol on the front.

How does the 'contactless payments' technology work?

Contactless payments work using NFC (near field communication). Incorporated into your KBC payment card is an antenna that makes a wireless connection with the retailers' payment terminal. The connection is used to exchange the information needed to carry out the purchase as long as the card's held in your hands close to the 'contactless payments' symbol on the payment terminal. Once the transaction's complete, an audible tone is emitted by the terminal. It's as simple as that.

Can I be certain that the account linked to my contactless payment card hasn't been charged twice?

Without question. The terminal automatically shuts down once payment is carried out. Even if the card stays close to the payment terminal, the charge for your purchase can't be debited a second time.

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