Kate Coins (KTC) enable you to receive digital benefits. For example, you can use them to get cashback rewards or other benefits from KBC and our partners.* 

Each Kate Coin is worth at least 1 euro (and, in many cases, actually worth more). They can be earned by making purchases at our partners or at KBC and are stored securely in KBC Mobile. They remain valid, can’t be lost and always retain their value. You can use them to buy tickets, vouchers or other great benefits.  

* Kate Coins are exclusively for customers who hold a current account at KBC and who have opted for ‘personalised’ commercial offers in KBC Mobile. 

• at the bottom of your login screen  
• on your start screen (at the top left next to your accounts)  
• under ‘My KBC’ 
• under ‘Offer’ 

Your Kate Coins are securely stored in KBC Mobile. They don’t expire, you won’t lose them and they retain their value. Your Kate Coins are always worth at least 1 euro each (and are often worth more).  

This means you can keep your Kate Coins for as long as you like, simply wait until an offer that interests you appears in the Kate Coin Store and then use them. You can cash out your Kate Coins and have them credited to in your personal KBC current account at the end of the year. If you do, each Kate Coin is worth 1 euro. 

To earn Kate Coins, you must have a current account at KBC and activate ‘Personalised’ in the settings of KBC Mobile.  

• Tap your photo/cogwheel icon at the top left of your KBC Mobile screen 
• Scroll to ‘Privacy’ 
• Tap ‘Privacy’ and then ‘Commercial settings’ 
• Select ‘Personalised’ under ‘What offers would you like?’ to ensure that the advertisements you receive are better tailored to your situation (if you choose this option, you accept that we will analyse and use all of your personal data for this purpose) 
• Start earning Kate Coins 

You can earn Kate Coins at KBC by buying a KBC product during a special Kate Coins offer period. The eligible products and the relevant terms and conditions can be found in the Kate Coin Store. 

You earn Kate Coins when you buy a product during a special offer period at one of our partners. You can find out how the offer works on the relevant information page in the Kate Coin Store (in KBC Mobile). If you meet the offer’s terms and conditions, your Kate Coins will appear in the overview of the Kate Coin Store and will be held there until you’re ready to use them.  

Only individuals over the age of 18 who use KBC Mobile (in a non-professional context) can earn Kate Coins.

To earn and use Kate Coins, you must first activate ‘Personalised’ in the settings of your KBC Mobile app.

• Log in to KBC Mobile and tap your photo/cogwheel icon at the top left of your screen
• Scroll to ‘Security and privacy’
• Tap ‘Privacy’ and then ‘Commercial settings’
• Select ‘Personalised’ under ‘What offers would you like?’

There are a number of products or promotional campaigns for which you can use Kate Coins only once. The terms and conditions of our partners’ offers can be found on the relevant promotional campaign’s information page.

How often you can claim a specific benefit depends on the offer in question. Some benefits can be claimed just once, whilst others can be claimed as often as you like during the offer period. You can find the terms and conditions for each offer in the Kate Coin Store in KBC Mobile.  

It may take up to 48 hours in the case of a KBC benefit. When it’s a partner offer, you’ll receive your Kate Coins either straight away or after the return period has ended.  

You received a QR code 
Go to the special offer’s details screen and tap ‘Scan QR code’ at the bottom of the screen. If you’re having problems scanning, tap ‘Enter voucher code manually’ and enter the text code located below the QR code.  

You received a text code 
Go to the special offer’s details screen and tap ‘Enter voucher code’ at the bottom of the screen. 

After scanning or entering your code, you’ll get your Kate Coins. 

No, only new purchases made during the offer period are eligible.  

No, you’re only eligible for Kate Coins if you make a new purchase within the offer period. 

Any Kate Coins you could use at our external partners expired on 31 August 2025. It was only the Kate Coins related to partner deals that were removed, not the ones you earned at KBC.

Between mid-August and 1 September 2025, a pop-up appeared in the Kate Coin Store in KBC Mobile, telling you that the partner deals would expire. Please accept our apologies if you missed this notification and for any frustration this may have caused.

Tap ‘Kate Coins’ at the top left of your screen to see how many Kate Coins you have. Then tap ‘Use’ to see which benefits you can pick up and how many Kate Coins you need for each offer. To find out more, tap an offer to view its terms and conditions.  

If it’s a cashback reward, you’ll need to pay for your purchase from your KBC current account and confirm you want to use your Kate Coins. If it’s a ticket or voucher, you can claim the benefit right away if you have enough Kate Coins. 

When you buy something, you pay the full amount first. You then receive a cashback courtesy of your Kate Coins, i.e. we’ll refund a portion of what you’ve spent on your purchase.  

For example, you go shopping, spend 100 euros and use your Kate Coins, which entitles you to 10 euros cashback. In this case, you pay 100 euros and we refund 10 euros to your account. 

It may take up to 48 hours for the cashback you claimed at a partner to appear in KBC Mobile. Cashbacks you claim in the Kate Coin Store are displayed right away. 

Suppose you have 20 Kate Coins and one of our partners is offering a cashback of 30 euros if you use 20 Kate Coins when buying something there.  

You spend 100 euros at the partner and pay using a KBC card or app. After making your purchase, Kate tells you that you’re entitled to a cashback. You claim the cashback and we will credit 30 euros to your account in exchange for 20 Kate Coins.  

Suppose you have 20 Kate Coins and a benefit is being offered on a KBC product in the shape of a 30 euros cashback if you use 20 Kate Coins when buying that product.  

Option 1: you use KBC Mobile to buy the KBC product and indicate during the process that you want to use 20 Kate Coins. After making the purchase, we’ll credit 30 euros to your account.  

Option 2: you buy the KBC product through a branch or agent. After making your purchase, Kate tells you that you’re entitled to a cashback. If you claim the cashback, we’ll credit 30 euros to your account in exchange for 20 Kate Coins.  

Your cashback will be credited to a personal KBC Current Account.

A voucher is a benefit in the form of a redeemable coupon that you receive in exchange for a certain number of Kate Coins. The voucher is issued by one of our partners, who decides on what you can get for it.  This information is also provided in the Kate Coin Store. 

Suppose you have 20 Kate Coins and there is an offer at a partner where you can get a voucher worth 30 euros in exchange for 20 Kate Coins.  

When you claim the voucher at the Kate Coin Store, you immediately receive a code which you can use at the partner in question to get 30 euros off your purchase.  

No, you cannot buy the vouchers that you see in the Kate Coin Store. The only way to obtain them is by using your Kate Coins.  

That’s something the partner decides. You can see how long your voucher remains valid in the offer details in the Kate Coin Store and on the voucher itself. The terms and conditions for using the voucher can also be found in the Kate Coin Store while the offer lasts. 

A ticket is a benefit in the form of an admission ticket to an event that has been organised by KBC or one of our partners.

When you use your Kate Coins and claim a ticket in KBC Mobile, you’ll immediately receive a ticket with a code that you can use to gain entry to the event.  

No, you can’t. Tickets can only be obtained in exchange for Kate Coins.

A ticket you claim using your Kate Coins is always for a specific event (on a specific date). Instructions on how to use your ticket can be found in the event details. The link to this information is on your ticket, which you can find under ‘For you’ in the Kate Coin Store.  

If your ticket doesn’t work, please contact the organisers at the venue for assistance. They have a list of tickets purchased with Kate Coins and can let you into the event. 

Can't scan the QR code? Tap 'Enter voucher code manually'. There, you can enter the text code you can find under your QR code.

No, you won’t. When you donate your Kate Coins to ‘De Warmste Week’, we first convert them into euros at a rate of 1 Kate Coin to 1 euro. KBC then collects all the donations and transfers the total amount collected to the charity in early January 2026.

Your Kate Coins are always displayed first in your favourites. You cannot change that as it lets you quickly see what benefits are available to you in the Kate Coin Store.  

The offers you see in the Kate Coin Store are tailored to suit your interests. This is based on your personal details, such as where you live, your age, and your previous purchases and interests. We and our partners use this information to show you certain offers in your Kate Coin Store,  which means that not everyone sees the same thing. In addition, the options available change regularly.  

We also take account of your response each time you see a new Kate Coins offer. By not showing everyone the exact same offers, we can learn more about which customers prefer what. We can then better tailor future offers and make it more likely you’ll see an offer that’s ideal for you.  

If you’d like to know more about how we handle your data and personalised special offers, be sure to take a look at our data protection statement.  

Your voucher appears under ‘For you’ in the Kate Coin Store immediately after you’ve claimed it. KBC doesn’t know if you’ve used any vouchers and, therefore, they remain in the Kate Coin Store until they expire or you archive them yourself.  

Once you’ve used a voucher, you can archive it by tapping the relevant voucher and selecting ‘Move to archive’. The voucher will then be removed from the ‘For you’ list and placed in the archive page.  

If your voucher expires, we’ll automatically move it to the archive page.  
Your voucher remains active as long as you haven’t used it and it hasn’t expired – even if you’ve moved it to the archive.  

If you’ve acted too hastily in archiving a voucher, you can move it back to the list that you see under ‘For you’. Just tap ‘Move to active vouchers’ and it will reappear under ‘For you’.  

If it doesn’t work when you pay at the partner, call the KBC-Helpdesk on 016 43 25 30.

If you change your commercial settings to ‘Standard’ instead of ‘Personalised’, your tickets and vouchers will remain available in the Kate Coin Store under ‘For you’. 

If you deactivate ‘Extra convenience’, you’ll lose access to Kate Coins, which means you’ll no longer be able to see the benefits you’ve claimed either. However, the tickets and vouchers will remain active.