Got queries on our investment products and services?

Frequently asked questions

Got queries on our investment products and services?

Frequently asked questions

General

Starting to invest

Invest your spare change

Online investing

Saving for your retirement

  • See 'Pension savings plans' under 'Savings'

Viewing your assets

Where can I get details of my assets?

Tap the ‘Investments’ menu to do this. You’re shown your largest assets (in euros) as standard, but you can ask at your branch to have other assets displayed by default instead.

This view displays products you’ve bought through your branch. Products you’ve bought through one of our insurance agents are shown under ‘Savings & investments via an insurance agent’. View a selected asset by tapping the arrow at the top next to its name.

If you have more than one type of asset (like several types of personal assets, savings and investment products through an insurance agent, cooperative shares and savings and other people’s savings and investment products), you can view those as well. Tap the arrow at the top right next to the name of a selected asset to do this.

What assets can I view?

You’re shown your own or your and your partner’s savings and investment products, depending on the products you have and whether you invest by yourself or together with your partner.

Cooperative shares or insurance you’ve bought through an insurance agent are shown under a separate assets view. Other people’s savings and investment products that you’re authorised to see are also displayed separately.

How are my assets shown?

Your assets are divided up as ‘Savings’, ‘Tax-advantaged savings and investments’ and ‘Investments’.

  • 'Savings’ shows you all your savings accounts
  • 'Tax-advantaged savings and investments’ displays savings and investment products giving you tax benefits like our Life Pension Plan (Plus) and Pricos pension savings plans
  • 'Investments’ shows you all your investments in funds, bonds, term products, shares and capital redemption and investment-type insurance, grouped together by asset class

Savings and investment products bought through one of our insurance agents are given under ‘Savings & investments via an insurance agent’, not under your ‘own’ assets view.

The equivalent value in euros is shown for each section. The total value in euros of a selected asset is given in the heading title.

Where do I find my investments?

Tap the ‘Investments’ menu to see your investments categorised as ‘Savings’, ‘Tax-advantaged savings and investments’ and ‘Investments’.

Where do I find details of my Pricos/KBC Home & Pension Plan/KBC Home & Long-Term Plan?

Tap the ‘Investments’ menu and select the relevant asset, followed by ‘Tax-advantaged savings and investments’.

If you’ve only just opened a Pricos pension savings plan, you’ll only be able to see its details a few days after you’ve paid into it for the first time. Bear that in mind if you’ve opened a Pricos pension savings plan at the end of the tax year and still want to include what you’ve paid into it in your tax return for that year.

KBC Investment Plan

Where can I view my investment plan?

Open 'Investments' and tap 'More' to see your periodic investments.

Where in KBC Mobile can I set up an investment plan to invest regularly?

Tap 'Investments', then the 'More' tab and 'Periodic investments' to set up a new investment plan in just a few steps.

If you’d like a bit more advice, opt for ‘Mobile investing with advice’ under 'Offer' to get suggestions that fit you.

What is periodic investment?

You invest periodically if you invest set amounts at fixed intervals in savings or investment products.

The risk is spread over time. Each month, a pre-selected amount is invested in the chosen product.

What savings and investment products can I put into my investment plan?

If you open an investment plan using KBC Mobile, you can only invest in investment funds.

If you’d like to invest in other types of savings or investment products, contact KBC Live or ask at your branch for more assistance.

Who can I set up an investment plan for in KBC Mobile?

You can set up an investment plan just for you or for yourself and your partner.

If you want to open a plan for someone else like your grandchild or godchild, contact KBC Live or ask at your branch for more assistance.

How many investment plans can I set up in KBC Mobile?

You can set up an unlimited number of investment plans, except spare change investment plans. They’re limited to the number of current accounts you hold in your name or jointly with your spouse.

What does an investment plan cost?

With an investment fund, you invest a fixed amount by standing order in a fund every month. You only pay usual charges for the fund. They are detailed in the product information.

Every time you pay into your plan, you pay entry charges. There are also annual management fees to pay, as the fund invests in stocks and bonds, which need to be actively monitored.

Where do I find confirmation that I have successfully set up my investment plan?

Once your savings account has been opened, we’ll message you as soon as possible to confirm this. Tap ‘Communication’ in KBC Mobile or ‘Messages’ in KBC Touch and KBC Invest to see this message,

which does not contain any legal information or product features. If you wish to save that information, download the PDF files and save them on your device.

Will my investment plan be displayed straightaway?

Yes, as soon as you've set it up, it's shown under 'Investments > More'.

Is there instant access to the fund in which I have invested?

No, processing your details for the fund in which you have invested takes two to three working days. The number of units and the equivalent value can only be viewed after the details have been processed.

Can I change my investment plan or stop it temporarily or entirely?

You can use KBC Mobile, KBC Touch or KBC Invest to change your investment plan. KBC Mobile lets you do in your investment plan view under 'Manage'.

You can also name your plan and add a photo to personalise it and make it easier to find.

Can I sell units in my investment fund?

Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, call or chat with KBC Live. Alternatively, make an appointment at your branch.

Can I diversify by investing in another savings or investment product?

No, you can’t do this using KBC Mobile, but KBC Live or an adviser at your branch will be happy to help you with this.

Can I adjust the allocation of my existing investment plans?

If you’ve set up an investment plan using KBC Mobile, the allocation will always be 100% in the suggested fund. In the case of investment plans set up through KBC Live or your branch, you are unable to adjust the allocation yourself. To do so, contact KBC Live or your branch.

Spare change investing

What does the KBC Mobile app’s ‘Invest your spare change’ feature do?

Our Mobile app’s ‘Invest your spare change’ feature lets you invest small amounts of money in a balanced investment fund – without any paperwork hassle. The modest amounts invested come from roundups to the nearest euro on everyday transactions on your current account.

Who is spare change investing for

Spare change investing is intended for our personal banking customers aged over 18 who want to start investing in a fun, easy and accessible way.

You can invest spare change using a current account held in your name or one you hold jointly with your spouse. Other types of common account (held jointly with one or more persons other than the one you’re married to) cannot be used for spare change investing.

What's rounded up whan you invest your spare change?

We round up all your everyday purchases and payments from your account to the nearest euro at the end of each day. That includes credit transfers, card payments, standing orders, direct debits and loan repayments.

When don’t we round up transactions on your account to invest your spare change?

We won’t do any rounding up if your account has a negative balance or roundups would cause you to go overdrawn on your account.

How does spare change investing work?

Open the ‘Offer’ menu, scroll down to ‘Savings and investments’ and tap ‘Show more’ to see the ‘Invest your spare change’ feature.

Where do you find products you’ve bought?

Go to ‘Investments’ to track your investments. Amounts you pay into your investment plan are shown under ‘Investments’ a few days after you make your deposit.

What does spare change investing cost?

You only pay usual charges for the fund (see the product information for details).

Are details of the fund you invest in shown right away?

No, processing your details for the fund in which you invest takes two to three working days. The number of units and the equivalent value can only be viewed after the details have been processed.

Is your investment plan shown straightaway?

Yes, as soon as you’ve set it up, it’s shown under ‘Investments > Moreְ’

Can you temporarily stop investing your spare change?

- Yes, you can. Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Pause’ to do so.

How do you start investing your spare change again after temporarily stopping?

Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Restart’ to do this.

How do you permanently stop investing your spare change?

If you want to stop investing your spare change for good, contact KBC Live for more help.

Can you sell units in your investment fund?

Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, contact KBC Live.

How do you link an automatic investment order to your spare change investment plan?

You can also top up your roundups with an automatic investment order for any amount you like.

Tap ‘Investments > More > Periodic investments > Invest your spare change > More tab > plus sign (+) next to ‘Automatic payments’ to do this.

 

Investing with advice

What is investing with advice?

'Investing with advice' gives you investment and savings advice that fits you and your budget. Invest from as little as 50 euros per month.

We make suggestions to you once we’ve gotten to know you better by asking you a few questions.

You then enter how much you want to invest every month to potentially earn more from your money than a standard savings account. Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:

  • Automatic savings order
  • Pension savings plan (if you don’t already have one)
  • Investment plan (monthly investment by standing order with the option of starting with a lump-sum)

Happy with our proposal? Great! Sign up for it now.

Who is 'Investing with advice' for?

This feature is intended for beginner investors who aren't that familiar with investing basics, but want to learn them and get investment advice. Already have an investment portfolio? Get in touch with your usual contact.

Where do I find 'Investing with advice'?

Go to 'Offer > Savings and investments > Show more' to find 'Investing with advice' and start using it. If you want to start saving for your retirement and investing, you can also go to 'Investments > Do you want to do more than just save > I'm not sure. I would like some help'.

What does a proposal contain?

We base what we suggest to you on the amount you’re capable of saving every month and the type of investor you are.

Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:

  • Automatic savings order
  • Pension savings plan (if you don’t already have one)
  • Investment plan (monthly investment by standing order with the option of starting with a lump-sum)

What is a risk profile?

In order to advise you properly, we need to know what type of investor you are and your attitude to risk and return. Generally speaking, higher returns are associated with greater risk. That’s why we ask you a few questions about your:

  • Financial situation
  • Investing knowledge and experience
  • Ability to spare some of your money over time
  • Investment aims
  • Attitude to risk

We use your answers to these questions to set your risk profile, which is the basis for investment advice that fits you.

What is an investment plan and what do I invest in?

See ‘What is periodic investing?’.

Can I change proposals suggested to me?

Yes, you can. Depending on the proposal you get, you can adjust the amount you want to save and/or invest.

Can I see proposals again?

No. But if you don't close the investment immediately, you can still recall the original proposal.

Can I ask KBC to help finalise my proposal?

You can contact KBC Live during the process to get help completing your proposal.

What charges apply?

Charges depend on what we suggest to you.

You only pay usual charges for the fund (see the product information for details).

Where do I find products I’ve bought?

Track your investments under 'Investments', including the ability to:
  • Check whether you’ve transferred money to your savings account under ‘Savings’
  • View amounts you pay into your pension savings plan under ‘Tax-advantaged savings and investments’ a few days after you make your deposit
  • See amounts you pay into your investment plan under ‘Investments’ a few days after you make your deposit

Can I still change products I’ve bought?

  • You can change, remove or set up a new savings order to your savings account.
  • Your investment plans are also flexible. You can raise or lower the amount, temporarily stop the plan and start it up again, at any time. Change monthly deposits yourself using KBC Touch. For other changes, call or chat with KBC Live or make an appointment at your branch.
  • If you’d like to change your pension savings plan, we’ll be happy to help you. Call or chat with KBC Live or make an appointment at your branch.

Can you sell units in your investment fund?

Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, contact KBC Live.

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