Got queries on your current accounts, payment cards or other payment services?

Frequently asked questions

Got queries on your current accounts, payment cards or other payment services?

Frequently asked questions

Opening a KBC Current Account

Where in KBC Mobile can I open a KBC Current Account?

In your accounts view, tap the plus sign to open a new current account. You can choose between our free KBC Basic Account, a KBC Plus Account or a KBC Business Pro Account.

Who can I open a KBC Current Account for in KBC Mobile?

You can open an account for yourself or your minor child (provided they’re 11 years of age or older) or a joint account in your and someone else’s name (such as your spouse).

You can also open a business account for the self-employed (yourself or together with your spouse) or for a company (existing or being set up).

Displaying account information

What accounts will I see in my account information?

All the current and savings accounts shown in KBC Touch, i.e. any current and savings accounts in your name, or for which you hold a power of attorney or are the legal representative.

Does my account view also show my accounts at other banks?

Yes. You can add current accounts with certain other banks to your account view. This feature is only available in our Mobile app (not in Touch). You can also delete accounts you’ve added.

Why do I always get an error message when I try to add an account with another bank?

You need to have the other bank’s app to add an account you hold with them. If you do have their app and still can’t add an account with them, check whether you can successfully log in to their app. If not, you may still need to finish registering with your other bank using their app. Once you’ve done so, you’ll be able to easily add your account with them to KBC Mobile.

When adding an account from another bank, I can save the card number. Is that safe?

Yes, we offer this option for your own convenience, so you don't have to re-enter the number every time. KBC ensures that your card number is stored in the app in a highly secure manner. This is never visible to undesirable parties. In addition, the card number is the only item on the card that we keep. This is the only way to make payments.

The balance for one my accounts at another bank is outdated. Can I update it?

Yes. You can see the date on which the balance was last updated. Tap the account to update its balance to the correct amount in just a few steps. You may have to identify yourself again at your other bank.

Does my KBC Mobile app show me who has access to my account details?

Yes. In the menu, tap ‘More > Profile > Manage account details access’ to see who you’ve authorised to access your account information. Tap a name to see the accounts they can access or remove their access.

Can I create transaction statements?

When you go to the details of a completed transaction, there’s a button at the bottom of the screen that lets you save the transaction details as a PDF file. You can preview the file right away or save it on your phone.

Why is there an icon next to my account?

An icon appears next to your account balance when amounts have been reserved on your account. These are usually pre-authorised Maestro payments made at filling stations or when abroad (the total of any temporary holds of this type is shown under your pending payments). If an amount is shown next to this icon, that’s how much you can use for transactions.

What is a reserved amount?

A reserved amount is a temporary hold or pre-authorisation of a specific amount of the available balance on your account. It is not a charge and no funds have been debited from your account, though it is deducted from your available balance. The most common examples are payments made using the Maestro facility on your card (when you use your card to pay at filling stations or for other purchases, and when you withdraw cash abroad). The time between the amount being reserved and actually being debited from your account is usually very short (taking anywhere from a few minutes to a couple of banking days). The reserved amount can differ from the actual amount debited.

Can I determine the order in which my accounts are shown?

Yes. Go to your profile and tap ‘Account view’ to reorder and show/hide accounts. Drag and drop an account to reorder how it appears. KBC Touch also lets you set the order in which your accounts appear, which will also be synchronised to your KBC Mobile app.

Your accounts will appear in the same order as in the drop-down menu for transfers.

Businesses also have a ‘Business accounts on top’ option here. Depending on your choice, your business products or your personal products will be displayed first.

Can I hide accounts?

Yes. Go to your profile and tap ‘Account view’. Use the toggle button to hide or show an account. This feature is not available in KBC Touch.

Can I get alerts when money is put onto my account?

If you have one of our Plus current accounts or a business account with us, you can get alerted about incoming payments.

In the menu, go to ‘More > Profile > Notifications’.

How far back can I check my account balance?

You can see transactions going back one year.

Can I search my account details?

Yes. You can search by amount, originator or beneficiary name and reference by selecting the desired account, then going to ‘Search past transactions’ in the ‘Transactions’ view.

Why am I getting an alert saying that one or more transactions weren’t carried out?

This means that you don’t have enough money on your account to carry out the transaction(s) in one go.

Go to the details of the uncleared transaction(s) and tap ‘Clear’.

Can I change the amount to be cleared?

Yes. You can increase the amount or delete certain transactions to lower the amount to be cleared.

Which uncompleted transactions can I delete so that other transactions can still be carried out?

You can only delete planned credit transfers, standing orders and automatic savings orders.

Can I top up the account with insufficient funds on it from any other account?

You can top up the account that doesn’t have enough funds on it from any account that lets you transfer money to another of your own accounts.

I run a business. How can I identify my business accounts?

Your business accounts are shown in dark blue and your personal ones in light blue.

Making credit transfers

Where can I find the ‘Transfers’ feature?

Tap the blue double-arrow circle to start a transfer.

What are instant credit transfers?

Instant credit transfers are SEPA credit transfers that are instantly processed around the clock, all year round, including at night and weekends and on public holidays. The amount transferred is credited to the payee’s account in a matter of seconds, even when the account is held at another bank.

Are all my transfers made instantly?

We carry out all transfers from your KBC Plus Account or KBC Business Account that you have entered in KBC Mobile as quickly as possible, without you having to do anything else. ‘As quickly as possible’ means processing as an instant credit transfer, if possible, otherwise it remains a standard transfer.

Transfers scheduled to be carried out in the future and standing orders are not processed instantly, but instead are treated as standard transfers. If your transfer has been processed as an instant transfer, you’ll see this in the transaction description in your accounts view. The time your instant transfer was made can be seen in the transaction details.

What is SurprisePay?

Know someone getting married or celebrating their birthday? Have a friend who just became a mother or bought a home for the first time? Send them money as a gift using a personalised SurprisePay transfer. Turn your transfers into gift cards with a personal photo or message.

Who can I surprise with a personalised transfer?

You can send a personalised SurprisePay transfer to anyone. If they also have our KBC Mobile app, it tells them when they’ve received it. If you want to send a SurprisePay message to someone who doesn’t have our KBC Mobile app, you can send it in other ways too like e-mail or Facebook.

Can I only transfer money between my own accounts?

No. You can also transfer funds to saved beneficiaries and to other accounts within the euro area. You can enter both one-off and automatic orders. View the limits for all types of transactions.

Can I change limits?

Yes.

You can do this in the app itself the first time you register or by tapping ‘Profile’ in the menu. Your limits are separate to those for MobilePay or MobileCash (for cash withdrawals with your phone). Learn more about limits. Changes you make to your limits apply to all devices on which you use the app.

What if I want to transfer an amount in excess of the permitted limit for KBC Mobile?

You can sign the transfer with your debit card and card reader.

What if I want to transfer an amount that exceeds the balance left under my daily limit but that is lower than the authorised amount for KBC Mobile?

If your remaining daily limit is exceeded, you can save the transaction in question in the remittance folder in KBC Touch or KBC Mobile or sign it immediately using your debit card and card reader.

Can I save new beneficiaries in KBC Mobile?

Yes. Got to the ‘Payments’ menu, then ‘More’ and ‘Beneficiaries’ and tap the blue icon at the bottom to add and save a new beneficiary.

Can I mark beneficiaries as being for my business?

Yes. You can categorise a beneficiary as either ‘personal’ or ‘business’. Your business-related beneficiaries are shown in dark blue and your personal ones in light blue.

Can I set up automatic payments?

Yes. Go to ‘Payments’, open the ‘More’ tab and tap ‘Automatic payments’ to see a list of your automatic payments and edit or remove them. Tap the blue button to add an automatic payment.

Where can I find my direct debits?

Go to ‘Payments’, open the ‘More’ tab and tap ‘Direct debits’ to see your active and blocked direct debits. Tap a direct debit for more details or to name or block it.

A direct debit has been incorrectly taken from my account. What should I do?

You can ask for a direct debit to be refunded up to eight weeks after it has been paid from your account, except in the case of a business-to-business direct debit. Go to the details of your direct debit and open the ‘Transactions’ tab. Select the transaction that you want to be refunded for. We’ll put the amount on your account and inform the provider of the direct debit.

What does the scan feature do?

This lets you scan pink paper transfer forms so there’s no need to enter the transfer order details manually. Tap the blue double-arrow circle to start a transfer. Select ‘Transfer funds to other accounts’ and tap the camera icon to use the scan feature.

Which phones let you scan transfers and which don’t?

If your phone doesn’t support this feature, it won’t be available in the app menu.

Which details can and can’t I scan?

You can scan:

  • Amount
  • Account numbers in IBAN format
  • Beneficiary names (not addresses)
  • Standard-format references

You can’t scan and need to manually enter:

  • Free-format references
  • Execution date

You’re alerted if scans don’t work.

Always check scanned details to make sure they are correct.

What is SmartPaste and how does it work?

SmartPaste lets you easily scan bills sent to you as PDF files (like bills sent to your inbox).

Open the PDF file and tap ‘share’ or ‘send to’ on an Android phone or ‘import’ on an iPhone. Tap KBC Mobile in the list at the bottom to select the bill details.

Future transactions

What kinds of transaction orders can I enter myself?

  1. Planned credit transfers (one-off transfers with an execution date in the future)

  2. Automatic orders:
  • Standing orders
    Standing orders are automatic transfers for a fixed amount, made regularly to the same beneficiary each time. You only need to enter the order once and then the transfers are carried out each time on a set date. Weekly pocket money for your children or grandchildren or paying your rent every month are just some of the ways you can use these kinds of orders.
  • Automatic savings orders
    You only need to enter an automatic savings order once. Then you can start saving according to pre-defined conditions. You can save fixed or variable amounts. If you opt for variable amounts, you select the minimum amount that you want to keep on the account to be debited, and save what’s left after that. If your account balance is insufficient when the order is to be carried out, you don’t save anything.

For what kinds of transactions to be made at a later date can I view details?

  • Home loan repayments
  • Instalment loan repayments
  • Pricos pension savings deposits
  • Credit card repayments
  • Systematic investments

Can I also view my scheduled direct debits?

Yes. Your account’s transactions view shows you direct debits a few days before they’re taken from your account.

Where do I find my planned transactions?

In the detailed overview of an account, transactions to be carried out at a future date are displayed in chronological order under ‘Planned’.

Can I see the amounts scheduled for debiting from my account in the future?

You can view planned transactions up to a year ahead. They appear in chronological order.

Can I cancel a planned credit transfer?

Yes. In the detailed overview of your account, transactions to be carried out at a future date are displayed in chronological order under ‘Planned’. Select the planned credit transfer and tap the pencil icon to edit your order and then use ‘Delete order’ to cancel it.

Can I change a planned credit transfer?

Yes. You can change the amount, execution date and reference. Automatic orders for amounts that exceed the KBC Mobile limits can only be changed or cancelled using KBC Touch.

Can I manage automatic orders?

You can change or cancel automatic orders using KBC Mobile and KBC Touch. Automatic orders for amounts that exceed the KBC Mobile limits can only be changed or cancelled using KBC Touch.

If you’re under 18, you may not manage orders.

Can I enter and change automatic orders?

Yes. You can enter orders and change the amount, execution date and reference. You can make changes of this type for a specific transaction or all subsequent ones.

Note that once you’ve made a one-off change, you can’t make any further changes using KBC Mobile, but you can using KBC Touch.

If you enter an automatic savings order, you can select the minimum amount to keep on the account to be debited and save what’s left after that.

Withdrawing cash from KBC or CBC ATMs using MobileCash

How do I withdraw cash using my phone?

  1. Open the app and tap the MobileCash icon to log in and make a cash withdrawal
  2. In the app, select your account and the amount you want to withdraw
  3. Touch the ATM screen to display a QR code
  4. Scan the QR code that appears on the screen using your phone’s camera
  5. Sign using your PIN or Touch ID/Face ID/Fingerprint
  6. Take your money from the ATM cash dispenser

Do I need my debit card to withdraw cash using my phone?

No. All you need is your phone, the KBC Mobile app and the PIN you use for the app.

From which types of accounts can I make cash withdrawals using my phone?

You can withdraw cash from any of your current accounts (not just the one linked to your debit card), including joint accounts or accounts for which you have power of attorney.

How much can I withdraw using my phone?

Any amount that can be made up of 20- and 50-euro banknotes and does not exceed your daily limit for withdrawals.

Can I choose the denominations of banknotes when withdrawing cash using my phone?

No. You can only select the amount you’d like to withdraw.

An amount for withdrawal will be suggested to you based on the amount you previously withdrew using your phone. This may vary for each account.
Needless to say, you can specify a different amount if you wish.

What’s the most I can withdraw each day?

Can I change the limit for cash withdrawals?

Yes. Tap ‘More’ in the menu at the bottom, then ‘Profile’ and ‘Set limits’ to change your limit for cash withdrawals. Your mobile limits are separate to those you set in KBC Touch or the limit for credit transfers. Changes you make to your limits apply to all devices on which you use the app.

Can I use the app to access the ATM lobby outside branch opening hours?

Yes. You don’t even need your debit card to do this.

Can I use MobileCash to take out money from other banks’ ATMs?

No. You can only use it to withdraw cash from KBC or CBC ATMs.

Could someone else use my QR code after I have?

No. The QR code that appears on the ATM screen when you use our Mobile app doesn’t contain any personal details and only indicates the location of the ATM.

Paying by MobilePay

What is MobilePay?

MobilePay allows you to confirm payments using your phone.

You no longer need a card reader. Just enter your KBC Mobile PIN, Touch ID, Face ID or Fingerprint to authorise your payments.

MobilePay also makes it easy to get repaid by your friends. All you have to do is get them to scan a QR code or send them a payment request in a variety of ways, including by text, WhatsApp or Messenger message.

How do I use MobilePay?

You simply scan QR codes to confirm payments to retailers or friends. Look for KBC or Bancontact QR codes to scan them and pay by MobilePay. KBC Mobile doesn’t support other QR codes.

You can use MobilePay to:

Shop online

  • Confirm online payments using the KBC Payment Button
  • Authorise online card payments (made with cards issued by KBC)
  • Pay on your mobile by Bancontact

Pay in shops

  • Confirm payments using the KBC Payment Button where you see KBC QR codes
  • Pay on your mobile by Bancontact where you see Bancontact QR codes

Receive money from friends

Can I also make purchases just on my phone?

Yes. When using your phone’s browser or the retailer’s app on your phone to make a payment, you can also pay by MobilePay. Select one of the following methods:

  • KBC Payment Button
  • Card payment (Bancontact, Maestro, Visa or Mastercard)

If you opt to confirm a payment on your mobile, KBC Mobile will automatically start on your phone to finish paying in our app.

What are the limits for MobilePay?

There are no specific limits set for MobilePay. General limits do, however, apply. They are the mobile banking limits (to be set in the KBC Mobile app) and credit transfer limits (up to 25 000 euros).

When confirming payments on your phone that have been made using the KBC Payment Button, the limits in effect for transfers made using our Mobile app apply.

The limit for confirming card payments using your phone and for mobile payments by Bancontact is 1000 euros per transaction.

After using the /KBC Payment Button, can I later remove my purchase from my payments diary or change it?

No. If you made a purchase with the ‘Pay later’ option, you can no longer change it, since KBC has already paid the purchase amount to the retailer.

A KBC Payment Button transaction or card payment is always final. You need to get in touch with the retailer for any refund.

Why am I not given the opportunity to confirm my card payment on my mobile?

When this happens, the payment has not qualified for confirmation by this method, probably because the transaction amount exceeds the permitted limit.

Why am I unable to select another card to confirm my payment?

It’s only when you opt for the Bancontact app that you can select the card you want to use to make payment through KBC Mobile. Cards enabled for online payments that aren’t blocked should appear in your list of options. If only one card meets these criteria, you won’t be able to select another card.

If you’ve already selected a card on the retailer’s website, you’ll no longer be able to change the card using our KBC Mobile app. However, if you want to pay using another card, go back to the retailer’s website and fill in that card’s number and the corresponding expiry date.

Payments between friends

How do I receive payments?

  1. Open KBC Mobile
  2. Tap MobilePay in the login screen and then ‘Receive cash’
  3. Choose whether you want to receive money from one or more people
  4. Enter the details you’re asked for and select the account to receive the payment
  5. Get the payer to scan a QR code (if they’re near you)
  6. Ask the payer to open their KBC Mobile or Payconiq by Bancontact app and scan the QR code to see the payment details in the app on their phone and confirm the payment right from their app
  7. You’ll both get a message to tell you whether the payment was made
  8. If the payer isn’t near you, send them a payment request (by text, WhatsApp, Messenger, etc.) with a link to pay using their favourite payment app

How do I pay someone?

  1. Open KBC Mobile
  2. Tap MobilePay in the login screen to ‘Make payments’
  3. Scan the QR code generated on the recipient’s phone
  4. Confirm payment by entering your PIN (you can also use the Payconiq by Bancontact app to pay someone in the same way as KBC Mobile, with the added convenience of being able to do so by simply selecting them from your contact list to pay them online; see the Payconiq section to learn more)

You’ll both get a message to tell you whether the payment was made.

Can I receive payments on an account not shown in the list?

You can only select an account linked to an active debit card in your name. These must also be personal, not business accounts. Businesses interested in receiving payments this way should e-mail us at epay@kbc.be.

Who can pay me using MobilePay?

Anyone who has a phone with a Bancontact-compatible app can scan QR codes generated on your phone to confirm payments. The KBC Mobile and Bancontact apps, plus some other banks’ apps can all accept payments by Bancontact.

Who can I pay?

You can pay businesses or friends who can show you a KBC or Bancontact QR code that you can scan. This can be done using the KBC Mobile app, the Bancontact app, or another banking app that supports Bancontact.

Why hasn’t the money I’ve just received from a friend through MobilePay immediately appeared on my account?

MobilePay uses the Bancontact mobile payments system. These types of payment are only paid to your account the next banking day.

If you haven’t yet received the payment by then, contact KBC Live.

How do I receive money from someone who doesn’t have a Bancontact-compatible app installed on their phone?

If the payer banks with us, they can install our Mobile app to make the payment. If they don’t bank with us, they can install the Bancontact app and make the payment using that.

If the payer doesn’t have a smartphone or doesn’t want to install the app, you can always just write down your account details and the amount involved for them or message them the payment details. The payer can then transfer the money to you.

Payconiq

What is Payconiq?

The Payconiq mobile payments service lets you use your smartphone to pay quickly and easily in shops or among friends. Learn more about Payconiq.

How do I link my KBC account to my Payconiq account?

When you install the Payconiq app on your phone, you indicate from which account payments are to be debited through our Mobile app. Select and confirm your chosen account to make Payconiq payments.

What are the limits for Payconiq payments?

A fixed daily limit applies to Payconiq payments (it can’t be changed).

When you link your account to Payconiq, you’re shown details of the limits that apply to you. You can also find your limits later in our Mobile app’s Payconiq settings.

Learn more about limits.

Can I link more than one account to the same Payconiq account?

No, not at this time.

Can I change my linked account?

KBC Mobile only lets you delete the linked account. To change your account, you have to delete the Payconiq app, then reinstall it and register yourself again.

Google Pay

What is Google Pay?

Google Pay is an app from Google that lets you pay quickly and easily at payment terminals accepting contactless and Maestro payments.

To make Google Pay payments, you need to link a payment card to the app, such as your KBC debit card.

How do I link my KBC debit card to Google Pay?

When you open Google Pay, you’ll be asked to link a payment card to the app. Any KBC debit card (but not credit cards) can be used for this purpose. Once you’ve entered all your details, including your mobile number, you’ll receive a text message on your phone with a code. Once you’ve entered this code in Google Pay, you can use your phone to pay.
As soon as the link with your debit card has been completed, you’ll also receive a message in your KBC Mobile inbox.

If you don’t want to use Google Pay any more, you can remove your debit card from the app.

Why isn't Google Pay working, even though I've added my card?

Your debit card must be enabled for contactless payments. Check to see whether this is set up in your KBC Mobile app.

  • Open KBC Mobile
  • Swipe right to see your cards 
  • Tap the card you added to Google Pay 
  • Check under ‘Settings’ whether the card is enabled for contactless payments

How do I pay using Google Pay?

Simply hold your phone against a contactless payment terminal to pay.

For amounts up to 25 euros, you only need to wake your phone; you don’t need to unlock it. However, after the third payment in a row, you’ll need to unlock your screen.

You’ll also need to unlock your screen using your PIN, password, pattern or fingerprint for amounts above 25 euros.

Why am I only shown the ‘call centre’ option and unable to ask to get a code by text message?

You need to add your mobile number to your personal details in KBC Touch or KBC Mobile. The text message containing the code will then be sent to that number.

I’m unable to add my card to Google Pay. Why is that?

Only our debit cards can be added. If you tried to add one of our credit cards, that won’t work. Our temporary ‘Go’ cards can’t be linked to Google Pay either.

I’m trying to link my card, but when I enter the activation code in Google Pay I get a message that says my code has expired. What should I do?

Bear in mind that your activation code is only valid for one hour. If that period has elapsed, delete your card from the app and start again.

Google Pay allows me to take a photo of my card to add it, but that’s not working. Why is that?

Google is still working hard to improve Google Pay. This feature still doesn’t always work for debit cards. You can also enter your details manually instead of taking a photo.

Making NFC-enabled contactless payments from your phone with KBC Mobile (only for Android phones supporting NFC)

What is NFC?

NFC stands for Near Field Communication, a technology that lets you pay from your mobile phone in shops using signals between your smartphone and a contactless payment terminal. Look for the contactless symbol at payment terminals to pay that way.

How do I switch on contactless payments using KBC Mobile?

You can only enable this feature for cards you hold.

In the view showing your cards, tap a debit card to switch on contactless and enable it for your debit card or KBC Mobile. If you select KBC Mobile, you’ll be able to make NFC-enabled payments using your card. (Android devices only)

Note that you can only enable one card for NFC. If you’ve already enabled another card, you’ll receive an alert.

How do I make NFC-enabled payments using my phone?

First, you’ll need to enable your card for contactless payments. Once you’ve done so, simply hold your phone against a contactless payment terminal in shops to pay this way.

For amounts up to 25 euros, you only need to wake up your phone. You don’t need to unlock the screen or open KBC Mobile. The payment terminal tells you when you’ve paid.

You may be asked to enter your KBC Mobile app PIN, including when:

  • The amount you’re paying is over 25 euros
  • You’ve paid an amount less than 25 euros five times consecutively
  • The total of several small payments exceeds 50 euros

After entering your PIN, you’ll need to hold your phone against the payment terminal again.

Where can I view my NFC-enabled payments?

These are shown in your transactions view under ‘Payments’ as a ‘Payment by KBC Debit Card via Bancontact/Maestro’, just like for your other card payments.

We show your virtual card number and actual card number (both masked) for every contactless payment you make on your phone.

What if I replace or block my card?

If you’ve activated your card for contactless payments using KBC Mobile and replace your card (on your own initiative or because your card has expired), you can still pay on your phone.
If you’ve had to have your card blocked by Card Stop, you’ll need to activate your new card for contactless payments using KBC Mobile. This can be done as soon as you can see the details of your new card in the app (usually after one banking day).

Does Google Pay support NFC?

If you’ve linked your debit card to the Google Pay app, it also lets you make NFC-enabled payments from your phone.

Google Pay payments are through Maestro, so Google Pay won’t work at Belgian retailers whose payment terminals only accept payments by Bancontact. KBC Mobile uses both the Maestro and Bancontact networks, so it can be used at any retailer in Belgium.

Note that you’ll need to specify in your phone’s settings which app you want to use to tap and pay.

Payments by Siri

What is Siri?

Siri is the voice-controlled virtual assistant on iPhones. Siri is available in several languages, including Dutch, English, French and German. Simply ask Siri to do things for you like making a transfer.

How do I activate Siri?

Switch Siri on in your iPhone settings, then do the same in your KBC Mobile settings so you can make transfers this way.

How do you transfer money using Siri?

Talk to Siri or long press the home button on your phone (depending on your phone settings) to enable it. Then say something to your phone like "Transfer 5 euros to Catherine giving ‘meal’ as a reference". Enter your PIN or confirm with your fingerprint, check the details of your transfer (and change it if you need to), then sign to authorise the transfer. You must have already made a transfer to the person in question (‘Catherine’, in this case) to transfer money to them using Siri.

Using KBC Mobile on your smartwatch

On which types of smartwatch does the KBC Mobile app work?

Only Android and iOS smartwatches are supported.

What information can I see on my smartwatch?

Your smartwatch lets you see the balance of up to two current accounts that you have chosen and get notifications (see below).

How do I connect my smartwatch to KBC Mobile?

As soon as you connect your smartwatch to your phone, a connection is also made to KBC Mobile. When it happens, your notifications (see below) will appear on your smartwatch. If you want to see your balance on your smartwatch, you’ll first have to set the accounts.

How do I see the balance of my accounts on my smartwatch?

In the menu, go to ‘More > Profile > Smartwatch’. You can select up to two current accounts to check the balance on your smartwatch.

What current account information appears on my smartwatch?

A positive balance is displayed above a green line. A negative balance is displayed below a red line.

Can anyone else see the information that is displayed on my smartwatch?

Your details are only displayed on the smartwatch connected to your phone. However, everything will be visible without having to log in.

I no longer want to see my account balance on my smartwatch. What should I do?

Go to ‘Profile > Smartwatch’ and switch off ‘Check account balance’. You’ll still receive alerts.

General questions about cards

For which cards do I get a summary of transactions?

  • Monizze cards

You can see your current Monizze meal, eco and gift voucher balance and the last 10 transactions using your card.

  • KBC credit cards without a credit facility

You can view details of any KBC credit cards you hold solely or jointly without a credit facility. These include our Visa, Gold Mastercard, Mastercard Business, Silver, Gold and Platinum credit cards.

You’ll continue to be able to view the summary for cards that have been cancelled (either by being destroyed or blocked) for up to six months after cancellation. These will be marked as ‘Cancelled’.

  • KBC credit cards with a credit facility

You can view details of any KBC credit cards you hold solely or jointly that have a credit facility, together with the details of credit cards linked to accounts you hold solely or jointly. These include our Pinto Visa, Mastercard Globe and Visa Vision credit cards, as well as our Silver, Gold and Platinum credit cards with KBC Flex Budget facilities. You can continue to view the details of cancelled credit facilities for up to ten years after the cancellation date.

  • KBC prepaid cards (only on smartphones)

You can view details of any KBC prepaid cards you hold, together with details of prepaid cards linked to accounts you hold solely or jointly.
You’ll continue to be able to view the summary for cards that have been cancelled (either by being destroyed or blocked) for up to six months after cancellation. These will be marked as ‘Cancelled’.

For security reasons, part of the number of your credit card(s) and/or prepaid card(s) will be replaced by Xs (1234 56XX XXXX 7890).

  • KBC debit cards

You can view details of any KBC debit cards you hold, together with the details of debit cards linked to accounts you hold jointly. You will continue to be able to view the summary for cards that have been cancelled (either by being destroyed or frozen) for up to six months after cancellation.

For security reasons, part of the number of your debit card(s) will be replaced by Xs (123456XX XXXX 7890).

What if my debit, prepaid or credit card is lost or stolen?

You can have your cards blocked using KBC Mobile or by calling Card Stop. You’ll then receive a new card as quickly as possible by post.

What’s the difference between a prepaid card and a credit card?

A prepaid card is where you place money on the card before you can use it to pay for things. That way, you decide upfront what you’re going to spend and you’ve got total control over your budget.
With a credit card, you pay for your purchases afterwards: you can either spread your repayments or pay back the full balance each month in one go.

Can I apply for a new card if my prepaid, debit or credit card is defective?

Yes, you can have you own defective card replaced using KBC Mobile.

Monizze meal vouchers card

How do I link my Monizze card to KBC Mobile?

Swipe right to see your cards. At the top, tap ‘Link your Monizze account’.

Enter your mobile number or your e-mail address and your Monizze password.

Can I link more than one Monizze card?

You can link only one Monizze card to KBC Mobile Mobile.

How do I remove my Monizze card from KBC Mobile?

Go to your cards view and tap your Monizze card. In ‘Settings’, tap ‘Unlink account’.

Why do I have to link my Monizze card again each year?

Your Monizze account expires every year, so you need to reactivate your account for security reasons (you only need to do this once).

Who can I turn to if I have questions and/or problems with Monizze?

For more help with questions or problems regarding Monizze, visit www.monizze.be or contact Monizze’s helpdesk (contact details available under ‘Settings’).

Where can I pay with my Monizze card?

Hundreds of shops accept the Monizze card. See www.monizze.be/en/where for a list of participating stores.

Debit card

Can I apply for a new KBC Debit Card?

You can request a new KBC Debit Card in your cards view and personalise it with a photo if you wish.
If you have a business account, you can also apply for a KBC Limited Card. It makes it easy for your staff to put money into your business account.

Can I replace my KBC Debit Card?

If your card is defective or you want to put another picture on it, you can easily replace it with a new card and personalise it with a photo if you wish. You can have lost or stolen cards blocked using KBC Mobile or by calling Card Stop. You’ll then receive a new card as quickly as possible by post.

If you’ve activated your card for contactless payments using KBC Mobile and replace your card, you can still pay on your phone.

If you’ve had to have your card blocked by Card Stop, you’ll need to activate your new card for contactless payments using KBC Mobile. This can be done as soon as you can see the details of your new card in the app (usually after one banking day).

Can I cancel my KBC Debit Card?

If you no longer need your card, KBC Mobile lets you quickly cancel it with ease. You won’t be able to use it once you’ve done this.

How do I manage my debit card?

Log in to the app, swipe right to see your cards and tap your debit card. Open ‘Settings’ to adjust your limits or change your settings for paying online, international card use and contactless payments. You can also have your defective card replaced here.

How do I pay by contactless?

You can make contactless payments by:

  • Debit card

If you enable this option, you can make payments with your card at a contactless terminal. Small purchases of less than 25 euros can be paid simply by holding your card against the payment terminal. Larger purchases must be confirmed with your card’s PIN.

Note that if you disable this option, you won’t be able to make contactless payments anymore with your debit card or with your NFC-enabled smartphone (using the KBC Mobile, Google Pay or Bancontact app).

  • KBC Mobile app

If you switch on this option, you can make NFC-enabled payments using your phone. Small purchases of less than 25 euros can be paid simply by holding your phone against the payment terminal. Larger purchases must be confirmed with your KBC Mobile PIN.

What if my debit card’s PIN is blocked?

Log in to KBC Mobile and open your ‘Cards’ view. Tap your prepaid card, then open ‘Settings’ and select ‘Unblock PIN and online banking access’.

Prepaid card

Are transactions using my KBC Prepaid Card processed in real time?

Yes. Your ‘current balance available’ includes both deducted and reserved transaction amounts.

The reserved amount is the sum of all the payments that have not yet been deducted from your KBC Prepaid Card. You can also use your KBC Prepaid Card for things like reserving a rental car or booking a hotel room. When you use your prepaid card in this way, the amount involved is temporarily deducted from your available balance. As soon as the other party releases the security payment, the pre-authorised amount will be restored to your balance available.

Can I load my KBC Prepaid Card using the KBC Mobile app?

Yes. Tap the load/unload button in the screen showing details of your KBC Prepaid Card, then tap ‘Load’. In the next screen, select the desired amount to be loaded and the account to be debited. Learn more about our load limits. If the amount to be loaded exceeds the permitted limit or will cause the balance on the card to exceed its limit, the amount will not be loaded. Amounts are loaded in real time, the card balance being adjusted immediately and the funds made available straightaway.

Can I unload my KBC Prepaid Card using the KBC Mobile app?

Yes. Tap the load/unload button in the screen showing details of your KBC Prepaid Card, then tap ‘Unload’. In the next screen, select the desired amount to be unloaded and the account to be credited. If the amount to be unloaded causes the balance on the card to exceed its limit, the amount will not be unloaded. Amounts are unloaded in real time, the card balance being adjusted immediately.

Which accounts can be credited when I unload my prepaid card?

Any current account you currently hold.

Why is the load/unload button not visible?

If, for technical reasons, we can’t show the available balance, it won’t be possible to load amounts onto the card using KBC Mobile. A message will then appear, saying: ‘The current balance cannot be given at present. The balance shown is from the previous business day. Loading is not possible either. Please try again later.’

Does every load/unload transaction need to be signed?

Yes. Before loading or unloading your prepaid card, you’ll need to sign with your KBC Mobile app PIN.

Where can I apply for a KBC Prepaid Card?

On the screen with the overview of your cards you can request a new KBC Prepaid Card for yourself.

For whom can I request a KBC Prepaid Card with KBC Mobile?

With KBC Mobile you can request a %%product.prepaidcard%% for yourself.

What if my prepaid card’s PIN is blocked?

Log in to KBC Mobile and open your ‘Cards’ view. Tap your prepaid card, then open ‘Settings’ and select ‘Unblock PIN’.

Credit card

Are transactions using my KBC credit card processed in real time?

No. The current balance available is purely indicative and doesn’t include payments you already made that have yet to be debited from your card.

What transaction details can I view?

You can display more details of your KBC credit card or prepaid card transactions by simply selecting the relevant card number. This shows you your card transactions, with a short description including the amount and type of transaction involved and where it took place.

All such transaction details are purely indicative and not binding. A form for questioning or contesting transactions made with your card is available in Dutch under ‘Helpdesk > Betwistingen’ at www.mijnkaart.be or in French under ‘Support > Contestation’ at www.macarte.be.

Can I view details of a credit facility?

Yes. Just select ‘Details’ and you’ll be shown specific information on your card and credit facility, including details of the people who signed for the credit facility, credit limit, available balance and minimum repayment.

Can I view my Flex Budget facility details?

Yes. Tap your credit card that’s linked to a Flex Budget facility and then go to ‘Settings’. For more information, tap ‘Linked to Flex Budget’.

Can I change when I repay my credit card spending?

Yes. Tap your credit card that’s linked to a Flex Budget facility and then go to ‘Settings’. Tap ‘Paying back what you’ve spent’. You can specify here whether you want to repay your expenses in full or spread your repayments and pay off part of the balance every month.

Where can I apply for a credit card?

Go to your cards view to apply for a new credit card for yourself.

For whom can I apply for a credit card using KBC Mobile?

You can apply for a credit card for yourself using KBC Mobile.

If I apply for a credit card, do I then see the price of the credit card or of the account?

The price is for the full package, including your account, debit cards, prepaid cards, credit card and account insurance.

How do I choose the right credit card?

If you’d like more information about a particular credit card, tap the card icon. You can then choose the card that best suits your needs.

What’s the difference between your account charges at present and charges for your account with a credit card?

Your account charges at present are what you currently pay for your account package, i.e. not including the new credit card. Charges for your account with a credit card are what you’ll pay for your account package including your new credit card. The difference between the two charges is the extra you’ll pay for your new credit card.

I want a credit card for the insurance that comes with it, but I think the limit is too high. Can I choose a lower limit?

As soon as you receive the PIN for your credit card, you can lower its limit with KBC Mobile. If you then plan to spend more in a particular month or go on holiday, you can raise your limit back to the standard level.

Can I get a credit card for my KBC Basic Account?

No, you can’t get a credit card when you have a KBC Basic Account. However, if you convert your Basic to a Plus Account (you can do this using KBC Touch), you can then apply for a new credit card for the account you just converted.

I run a business. How can I identify the credit cards I use for this business?

Your business credit cards are shown in dark blue and your personal ones in light blue. The order in which your cards appear is based on the order you set for your accounts under ‘More > Profile > Accounts view’.

Can I activate my credit card for use abroad using the KBC Mobile app?

Yes. Log in to the app, swipe right to see your cards and tap your credit card. Open ‘Settings’ and tap ‘International card use’ to choose where you can use your card. You can set a standard area or one for a temporary period of time (up to a year ahead).

How do I manage my credit card?

Log in to the app, swipe right to see your cards and tap your credit card. Open ‘Settings’ to configure ‘International card use’ and switch the ability to pay online on or off.

Can I apply for a credit card for my partner?

No. KBC Mobile doesn’t let you do this. Your partner can, however, use KBC Mobile to apply for a credit card themselves. The staff at your branch will also be happy to help you.

What if my credit card’s PIN is blocked?

Log in to KBC Mobile and open your ‘Cards’ view. Tap your credit card, then open ‘Settings’ and select ‘Unblock PIN’.

New in KBC Mobile and KBC Touch

Discover all new features here.
New in KBC Mobile and KBC Touch

Pimp your K'Ching app

Want to change your theme, add friends and check balances on your smartphone without logging in to K'Ching?
Pimp your K'Ching app

KBC Budget Facility

  • Handy at the end of the month
  • No need to worry about your balance
  • No charges if your account remains in credit

KBC Budget Facility

What is a statutory debt clearance period?

Your credit facility is subject to a debt clearance requirement. Before the end of the debt clearance period, you must have fully paid off the outstanding balance on your credit facility at least once so that the outstanding balance comes down to zero.
What is a statutory debt clearance period?
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