KBC Basic Account

Free of charge
  • Get 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

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 KBC Deals.

More about this current account

1. What is included in the KBC Basic 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 ATMs
  • Banking at KBC self-service terminals

2. Which add-ons can you attach to the free current account?

Second debit card 0.75 euros/month
Personalised debit card 10 euros
Credit card KBC Plus Account
Cash withdrawals in euros at other ATMs in Europe
0.50 euros/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/month

3. How do you open an account in KBC Mobile?

See how in this demo.

4. Opened your account? Use your debit card right away!

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.

5. Want to become a KBC customer?

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.

6. Run your own business?

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.

7. Under 25?

Get lots more added benefits with the payment features included in our young person’s account – free of charge. 

8. Want to open an account from abroad?

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
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/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
Apple Pay
Goal Alert 0.99 euros/month

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