1. A smartphone or tablet
2. A KBC Debit Card (or KBC Business Debit Card) and a card reader, the itsme® app or a personal QR code – generated by your branch or insurance agency – in KBC Mobile on an old device or (if you’re under 18) in the KBC Mobile app of one of your parents (as an additional check, we may also ask to see your ID card)
3. An account at KBC (you can open an account with us either online or the first time you use the app)

Even if you’re not a customer with us, you can still benefit from some of the advantages of KBC Mobile, like our additional services. All you need is a smartphone with a mobile number.

1. A smartphone or tablet
2. The itsme® app or a personal QR code (at your branch or agency)
   

See a list of the devices and operating systems we support.

You won’t be able to install KBC Mobile on a rooted Android device or jailbroken iPhone or iPad, nor will you be able to use KBC Mobile if the device is manipulated after the app has been installed.

What is ‘rooting’?
Rooting is a way of bypassing the operating system security of an Android telephone or Android applet. Rooting an Android device gives the user access to its system files, but this leaves the device more susceptible to viruses and malware.

What is ‘jailbreaking’?
Jailbreaking is a way of bypassing the operating system security of an iPhone or iPad. Users jailbreak for a number of reasons, such as installing apps that are not approved by Apple, but this leaves the device more susceptible to viruses and malware.

You can do so using a Wi-Fi connection or via your mobile phone network.

We don’t currently charge for KBC Mobile or use of our mobile banking service and don't plan to either. We may charge for new additional features in the future, but we’ll always ask first whether you wish to use and pay for them. That way, you’ll never be faced with extra charges all of a sudden. If you use KBC Mobile over a Wi-Fi connection or mobile phone network, additional charges may apply.

If you don’t use Wi-Fi, you’ll need a data plan. You will not need ‘Unlimited use’, as large amounts of data are never sent.

Yes, you can when you want to quickly access frequently used services.

How to do it on an iPhone or iPad:

1. Long-press an app on the start screen of your phone or tablet and select ‘Edit start screen’
2. Press the plus sign (+) at the top left
3. Type ‘KBC’ in the search bar and select KBC Mobile
4. Choose the widget you want to pin, hold it down, drag it to the start screen of your phone or tablet and release it where you want it to go 
   

How to do it on an Android device:

1. Log in to KBC Mobile and tap the cogwheel or your profile photo in the top left
2. Scroll to ‘App settings’ and tap ‘Widgets’
3. Choose the widget you want to pin to your start screen (when the widget appears at the bottom of your screen, hold it down, drag it to the start screen of your phone or tablet and release it where you want it to go

See a list of the devices and operating systems we support.

After surveying our customers, over 84% responded that they use their device in landscape mode. This was instrumental in our decision to offer just this type of screen orientation.

You can create a profile in KBC Touch for multiple users on the same device, but this possibility doesn’t exist yet in KBC Mobile.

You can, however, remove the user in the usual way and log in with another user, or you can use KBC Touch on the website.

• A list of KBC banking and insurance products that you can purchase online in our KBC Mobile and KBC Touch apps or on our website
• Information on themes such as ‘Energy’, ‘Becoming more sustainable together’ and the ‘Academy’
• Additional services that, for instance, enable you to pay for parking, buy train or bus tickets or order service vouchers and cinema tickets
• The tickets you bought for an additional service

If a product is only available on our website and not through KBC Touch or KBC Mobile, you’re redirected to our website and therefore leave the app. We do this so we can help you as quickly as possible.

The Academy is a digital library in KBC Mobile that contains numerous easy-to-read articles and short videos on themes closely related to your daily life. Whether you’re a student, new to investing or saving for your dream holiday or a home of your own, the Academy is the ideal resource for updating your knowledge in just a few minutes.

• Log in and tap ‘Offer’ at the bottom of your screen
• Scroll to ‘Themes’ and tap the ‘Academy’ tile
   

If you’ve accepted cookies from KBC Mobile, articles will be displayed based on your reading habits. This means that articles on themes you’ve already read about will appear higher up in the list. You can also indicate that you want to see more publications on a certain topic by liking the category (with a heart) in the Academy’s overview screen.

Open the menu in the KBC Mobile login screen, tap ‘Contact’ and go to ‘General contacts’ to see a list of contacts.

Call us immediately any time on 016 432 000 (+ 32 16 432 000 from abroad) (emergency numbers).

We'll block access to your KBC Mobile account right away. If you want to use KBC Mobile again, you'll need to re-register and re-activate the app.

Apps that compress data on the mobile network to reduce data traffic may prevent KBC Mobile from working properly. Our systems are unable to use compressed data, so you’ll be shown an error message.

So, watch out for apps like these and avoid downloading them unnecessarily. And if you already have apps like this installed, uninstall them to avoid problems with KBC Mobile.

If you require more information, contact the KBC-Helpdesk.

All your KBC products and services are conveniently listed under ‘My KBC’, including your accounts, means of payment, investments, loans and insurance.

Claim under virtually any personal insurance with us the easy way using our KBC Mobile app, including claims relating to:

• Hospitalisation 
• Home damage
• Vehicle damage
• Family

Submit and easily track claims using KBC Mobile.

You can calculate and take out:

• Insurance for your passenger car, light goods vehicle or motorcycle
  
• KBC Travel Insurance
• KBC Legal Assistance Insurance for Buildings
• Home insurance 
• KBC Bicycle Insurance
• KBC Accident Insurance
• Family insurance (KBC Family Insurance)
• Life insurance (death cover)

You can also calculate and take out loans, including:

• Instalment loans
• Mortgage loans (home loans)

You can find an overview in the ‘Business’ menu.

You can check details of business finance where you’re the borrower, legal representative or agent holding power of attorney.

You can also check details of business insurance where you’re the insured or policyholder.

You can work out and apply for:

• Business budget facilities (letting you overdraw your business account)
• Tax pre-payment plans
• Car, van or light goods vehicle finance through investment credit, leasing or renting

You can work out and apply for:

• Passenger car insurance
• Light goods vehicle insurance
• Motorcycle insurance
  

Open the details of your finance or insurance for a link to more information.

If you still have questions, contact KBC Live for more help.

Currently, you can sign for:

• Business credit facilities without new guarantees
• Tax pre-payment plans
• Mortgage loans
• Home insurance
• Loan balance insurance
  
• Travel insurance, home assistance insurance, bicycle insurance, accident insurance, family insurance, car insurance, motorcycle insurance, cyber insurance
• Business insurance for employees, third-party liability, equipment and ten-year liability
• Voluntary Supplementary Pension Scheme for the Self-employed (VSPSS) and Social VSPSS, National Institute for Health and Disability Insurance (NIHDI), Pension Agreement for the Self-employed (PAS), Individual Pension Scheme (IPS), group insurance

Requests to sign appear in a tile in your start-screen newsfeed or as an alert in the bell icon at the top-right corner. Tap the tile or alert to go to where you can sign.

You do this the same way as you sign transfer orders.

Yes, as long as they all have KBC Touch or KBC Mobile.

Yes, everyone signs on their own device.

Signed documents or contracts can be found:

• On the product details screen in KBC Mobile and by tapping the bell icon at the top-right corner of KBC Mobile and then ‘Messages’
• In your documents in KBC Touch
• In Doccle (if you have a Doccle account)

Messages can be accessed for two years and documents for at least seven years.

There are two ways to get and/or print off your documents:

• Download them while going through the steps
• Download the signed documents from ‘Documents’ or Doccle
  

It’s an app that allows you to place your identity card on your smartphone with total security. It is a collaborative venture between Belgium’s big banks, Orange, Telenet, Proximus and the government.

Learn more about itsme®.

If you already use KBC Mobile, you can use it to sign up for itsme®.

When signing up, select us as your bank. We’ve already scanned your ID card when you decided to bank with us, so we can forward these details securely to itsme®.

If you’re not yet with us, then you’ll need to register on itsme® through another bank or using your electronic identity card.

If you’ve installed the itsme® app, you can use it to register in KBC Mobile without a debit card and card reader, even if you’re not a customer with us.

You can also use itsme® to open a current account on the KBC website. Accounts you open with us online can be used right away. You must be over 18.

The itsme® app lets you log in and sign for things on lots of websites and apps. In due course, all card readers (eID readers and bank card readers) will become redundant.

Just call our KBC-Helpdesk. Tap the bell icon and then the ‘Your contacts’ tab to see a list of contacts at the top and a number of other useful services further down.

At the bottom of your start screen, tap ‘Personalise start screen’ and then ‘Choose sections’. Tap, hold and drag the three-bar icon to rearrange the order they appear in.

At the bottom of your start screen, tap ‘Personalise start screen’ and then ‘Choose sections’. Tap the checkmarks to hide or include sections.

If the ‘For you’ section isn’t visible, it means there are no new notifications for you. The section disappears when you have deleted all notifications and only becomes visible again when a new notification is available for you.

• Swipe the tiles at the top of your start screen all the way to the left
• Tap ‘Edit favourites’
• Tap and hold the three-bar icon next to your product and drag it to your preferred position

• Swipe the tiles at the top of your start screen all the way to the left
• Tap ‘Edit favourites’
• Uncheck the product you want to remove from your start screen

1. At the bottom of the start screen, tap ‘Personalise start screen’ and then ‘Customise start screen’
2. Hold your finger on the three-bar icon next to the section you want to move
3. Drag the section to where you want to see it

1. At the bottom of the start screen, tap ‘Personalise start screen’ and then ‘Customise start screen’
2. Tap the checkmarks to hide or include sections

By default, we hide your most recent payments on your start screen. If you’d prefer to see them, tap ‘Show payments’ just below your accounts.

You will see messages relevant to you that you indicated you wanted to receive.

We show messages based on your settings. You can change your settings under:

• Extra convenience (tap your photo/the cogwheel at the top left of your start screen, scroll to and tap ‘Privacy’ and then ‘Extra convenience’)
• Commercial settings (tap your photo/the cogwheel at the top left of your start screen, scroll to and tap ‘Privacy’ and then ‘Commercial settings’)
  

As standard, you’re shown a number of services that are relevant to you. We’ll adjust the list if you start using other additional services. Swipe to the left to see all the additional services and tap the heart icon to add an additional service to your list of favourites.

If you have opted for ‘Extra convenience’, you can put ‘Insight into your finances’ in your start screen and get information on your day-to-day finances.

• The ‘In & out’ tile gives you a handy overview of your income and expenditure for the current month. When you tap it, you can compare the money that’s come in and what you’ve spent over the past few months.
• If you also want to set and monitor budgets, simply tap ‘Show all’. This tile shows the amount you've already spent within a certain budget category for the current month. Tap it to make a comparison with previous months. The tile automatically appears in your start screen when you’ve set a budget.
• We have also provided an overview of your subscriptions, which you can see by tapping ‘Show all’. For each subscription, you get a page detailing the payments made over the past six months and a link to the supplier's website for cancelling the subscription. If you don’t see a full list, it’s because this service is still under development.
• ‘Smart insights’ appear under your income and expenditure and are provided to help you manage your day-to-day finances.

• Tap the three dots in the top right corner of the tile and then ‘Hide on start screen’. The tile will disappear from your start screen right away.
• You can also disable the extra convenience feature by tapping your settings, scrolling to and tapping ‘Privacy’, then ‘Extra convenience’ and turning it off. When you do this, you can no longer use ‘Insight into your finances’.
• Tap ‘Personalise start screen’ (at the bottom of the start screen) and remove the ‘Insight into your finances’ tile from your start screen.

• Tap ‘Show all’ next to ‘Insight into your finances’ in your start screen and select ‘New budget’
  
• Tap the tile with your budgets in the start screen and then the plus sign (+) at the top to set a new monthly budget

Tap the tile with your budgets in the start screen, use the icons at the top to choose your category and tap ‘Change your budget’.

You’ve either chosen not to display your insights or you don’t have a current account at KBC.

• Tap your photo/the cogwheel at the top left of your screen, scroll to and tap ‘Privacy’ and then ‘Extra convenience’ (activate ‘Extra convenience’ there).
• Scroll to the bottom of your start screen and tap ‘Personalise start screen’, then ‘Customise start screen’ and select ‘Insight into your finances’ by ticking its check box. The tile will appear on your start screen right away.
  

After every update, you will receive a message on your start screen informing you about the newly available features. You will also find details on these new features in the tips and tricks section in KBC Mobile.

No, you will only see the new features available to you.

Yes, you can. Services you can already use are at the top of the list, whereas services requiring a KBC account are listed below.

Open an account with KBC. Tap ‘See how’ on any of the information pages and open a new account quickly and easily online.

They will become available as soon as you have updated the app.

For KBC customers

• Tap ‘Offer’
• At the bottom of your screen, tap ‘Get started’ under ‘Getting the most out of our app? See how with our top tips and tricks’

You have linked KBC Mobile to an account held with another financial institution

• Tap the ‘Payments’ tab at the bottom of your screen
• Tap the banner at the top of your screen

You use KBC Mobile but do not currently hold an account with KBC

• Tap the ‘Payments’ tab at the bottom of your screen
• Tap the banner at the top of your screen, or
• Go to ‘Settings’ and tap ‘What can you do with KBC Mobile?’