Income and expenditure overview
Check your joint income and expenditure online, anytime, anywhere and on any device.
Transfer money in real time
Spent more than the agreed amount? Top up the shortfall right away! All transfers between KBC accounts are real-time.
Two debit cards
Why go for a joint account?
A joint account is a current account in your name and the name of one or more other individuals. Joint accounts are especially useful if you are
- Cohabiting (whether casually or under a legal arrangement)
- In a relationship and frequently make joint purchases with your partner
- Planning to move in together or get married
It doesn't matter whether or not you already have your own current account: you can still open a second, joint account at KBC, making it easy for you and your partner, or others you share a home with, to split your household costs (like rent and the weekly shopping) and giving you a clear view of your income and expenses, for your convenience.
A shared responsibility
You and your partner are both in charge of administering the current account. This means that:
- You can both carry out the same, and the same number of, transactions
- If the account balance drops below zero, you're both liable for paying the overdraft back to the bank, regardless of who caused the fund shortage (though the situation is different if you're married)
- To open or close a joint account, the agreement of both account holders is needed (this does not apply to married couples)
Keep an eye on your income and expenses
In KBC Touch, you get a useful summary of all your joint income and expenditure. You can use it to check your current account balance online, track your payments, check your credit card spending, and so on. So, you can easily do things like see when your energy bill was settled or which of your flatmates hasn't yet paid their rent.
Free of charge for under-25s
Our KBC Plus Account without a credit card is free of charge for young people under 25. If you are over 25, the cost of a KBC Plus Account depends on which credit card you choose:
Prefer a free account? That’s perfectly possible, too. Our KBC Basic Account is entirely free, but you pay for extra services like a second debit card, withdrawing cash abroad or at branches of banks other than KBC.
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 to pay right away with your smartphone, smartwatch or wearable.