The joint account

3.75 euros
per month
  • Free of charge for under-25s
  • Overview of income and expenditure in KBC Mobile and KBC Touch
  • Money transfers in real time
  • Credit card* and 2 debit cards included
Open a joint account

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)
  • married
  • in a relationship and frequently make joint purchases with your partner
  • planning to move in together or get married

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 Pay, Google Pay app, Fitbit Pay app or wearable and pay right away with your smartphone, smartwatch or wearable.

What’s more, you can keep a close eye on all your income and expenditure in KBC Mobile and KBC Touch, seeing at a glance, for instance, when you paid your energy bill.

You and your partner are both in charge of managing the account. This means that:

  • you can both carry out the same type, and same number, of transactions
  • if the joint account goes into the red, you're both responsible for paying the money back to the bank, regardless of who caused the account to go overdrawn (not applicable to married couples)
  • the agreement of both account holders is required to open or close a joint account (not applicable to married couples)

Free of charge for under-25s

This account without a credit card is completely free of charge for young people under 25. If you’re older, the cost depends on which credit card you choose.

Open a joint account

*Subject to your application being approved

The KBC Credit Card is a credit card issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A.

The KBC Flex Budget facility is an open-ended credit facility linked to the KBC Credit Card and used as an additional means of drawing credit.

Lender and card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.

Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven,, tel. 016 43 25 94 or, This does not affect your legal rights.