1. A smartphone.
2. A current account with us
   You can open a current account with us online or at your branch. If you’re under 18, one of your parents can open a current account in your name in KBC, CBC or KBC Brussels Touch. You just need to be aged 10 or over.

K'Ching is made for iPhone and Android devices. The operating system should be supplied and supported by the supplier of your mobile device.

• Apple iPhone 4S or higher running iOS 10.0 or higher
• 4G smartphone with a screen diagonal of up to 8 inches, running Android 4.4 or higher

Special requirements for specific features

• Smartphone with an autofocus camera for some MobilePay and scanning features
• iPhone running iOS 10.0 or higher that supports Touch ID fingerprint authentication (iPhone 5S or later)
• Android phone equipped with a fingerprint sensor and running Android 6 or higher if you want to use the fingerprint feature

Yes it is!

Install the official app from your app store. All you have to do then is complete our secure registration and activation process directly from the app.

This is the code you use to log in and sign transactions once you’ve registered your device.

Your card number is a unique, personal number that you will find on your bank card. You need it when going through the registration and activation procedures on your device.

Yes, once you’ve installed the K'Ching app, completed the registration and activation processes (you only have to do this once) and set your PIN.

Touch ID is the official name for the fingerprint identity sensor on the latest iPhones. On Android phones it’s called Fingerprint. It’s built into the home button on your phone and lets you log in and sign transactions without having to use your PIN.

You can only do this in your phone’s settings.

Some Samsung phones have a special type of fingerprint feature that doesn’t work with K'Ching.

Yes, although you’ll need to complete the registration and activation processes and set your PIN for each device. It’s up to you whether to use a different PIN for each device or to go for the same one for all.

Yes, although you’ll need to complete the registration and activation processes and set your PIN for each app. It’s up to you whether to use a different PIN for each app or to go for the same one for both.

No, a smartphone is treated as a personal device and therefore cannot be used by more than one user.

Don't forget that if someone logs in as an active user on a smartphone using the registration and activation procedures, they become the only active user on that device. This means that the previous user will no longer be able to log in (unless they complete the registration and activation procedures again).

This can only be done using your PIN or fingerprint.

Note that anyone who adds their fingerprint to your device can use it to log in to your K'Ching app and sign transactions.

This is so that your new device is recognised for use with K'Ching and security is guaranteed.

You need a current account to start using the app. You can open one online or in your branch. If you're under 18, one of your parents can open a current account in your name in KBC, CBC or KBC Brussels Touch.

The first time you open the app, K’Ching asks you for a few details: your name, nickname, date of birth and phone number. You can give them to us there and then or afterwards. Once you’ve added your details, you receive a code that’s valid for 30 minutes. Didn’t get a text message with the code right away. Fear not! It can take up to 30 minutes. Waited too long and the code has expired? No problem! Just tap ‘Send me a new code’ and you’re sorted!

Check if you’ve entered your mobile number correctly, like this: +32412345678 (with no initial ‘0’ that your number usually starts with). You could also have entered an incorrect code or it may have expired after 30 minutes.

Go to your settings to do this.  

Go to your settings to do this.

It may take up to 30 minutes for the text message to be sent. Check also if you’ve entered your mobile number correctly, like this: +32412345678 (with no initial ‘0’ that your number usually starts with).  

Check your settings. If you’ve entered your name, date of birth and mobile number, your profile is complete and you can enjoy all the benefits it gives you.  

Entering competitions requires a fully completed profile, including your name or nickname, your mobile number and your date of birth. So, set up a profile and get entering soon! Good luck!

You don’t, but we recommend you do! Creating a profile gives you access to lots more features, such as K’ards (send fun cards to your phone contacts) and Jobs (find student jobs with ease). It also lets you enter competitions and claim vouchers.  

Creating a profile gives you access to lots more features, such as K’ards (send fun cards to your phone contacts) and Jobs (find student jobs with ease). It also lets you enter competitions and claim vouchers.  

You certainly can! All you have to do is enter your name, date of birth and mobile number. We’ll then text you a code you need to enter. Once you have, you can start enjoying extra features like K’ards, Jobs, competitions and claiming vouchers.  

Open K'Ching and swipe left on your timeline to go to the Discover screen.

All you now have to do is follow these steps: Discover > Settings > About K’Ching > Delete profile
 

We will remove all your details and your K'ard conversations. We will also unlink your account, you will be removed from any Dividr groups you're in and you will no longer be able to claim vouchers.

You’ll no longer be shown to others as a K’Ching-app user and notifications will cease to be sent to you from the app. It's also important to remember that deleting your K’Ching profile cannot be undone.
 

If you delete your K'Ching profile, we will remove the following details from our systems: your mobile phone number, nickname, profile photo, imported contacts, linked account, K’ard conversations (more info), Dividr groups (more info), data storage preferences and chosen skin.  

Yes, they will. You and the other person will no longer be able to view the conversations you had.

We will delete the K’ards you’ve sent and received from our images gallery, personal photos you’ve sent to and received from others, and personal messages added to K’ards by you or others.
 

If you created a Dividr group yourself, it will be deleted for everyone else in it. Other participants won’t be able to find their spending either.

If you're in someone else's Dividr group, you will be removed from it and we'll delete your personal details. However, the name the administrator gave you can still be seen. An icon with the first letter of your nickname appears beside the name you had been given, but no badge. That lets other K'Ching users see that you no longer have a K'Ching profile.

By depicting you like this, the expenses you incurred and your share in other expenses can be calculated in group bills. Others can also see what you have already paid and how much you still have to pay someone. Due to the fact that we've deleted your personal details, we can no longer link these amounts to your identity.

If you decide to create a new K'Ching profile, you won’t be able to find Dividr groups you were in previously.
 

No, you can't. Deleting your K'Ching profile disconnects your account, but doesn’t close it. Your account stays open and your transaction details remain available.

If you want to use K'Ching to transfer money and check your account balance, you'll have to reconnect your account in the app.
 

Yes, you can. As you may already know, you can claim vouchers on the timeline. Those vouchers are linked to your K’Ching profile and the codes remain valid even after your profile has been deleted. So, remember to note any voucher codes you have if you still want to use them after deleting your profile.

You certainly can. The app looks as though you've just installed it from the App Store or Google Play. You can use the same mobile phone number to create a new profile, which is necessary if you want to use certain functions. Bear in mind that you won't be able to find any of your deleted details.

However, it is possible to reconnect your account without any of your transactions and other banking stuff being affected (for instance, your savings goals).
 

Deleting your K’Ching profile cannot be undone. However, it is always possible to create a new profile.  

Yes. Just log in and go to ‘My profile’ to change it.

If your PIN has been blocked, you can request a new one using ‘Forgotten PIN’ in the main menu. This involves going through the registration procedure again using your bank card and card reader.

When an account is removed, it will no longer be visible in K'Ching. If you open a new current or savings account at your branch or using KBC, CBC or KBC Brussels Touch, you can immediately select it in your settings.

Locked tiles require you to enter your PIN or fingerprint. They can only be used when we’re sure it’s you. Safety and security first!

If you’re already logged in and you swipe to your Discover screen, you’ll no longer see a lock. That’s because you’re then already identified by your PIN or fingerprint, so we already know for sure that it’s you.

When you tap a locked tile, a login screen appears where you can enter your PIN or fingerprint to unlock the relevant feature and use it.

Yes. Just tap and hold down a tile to drag it to where you want it. Then simply let go of the tile and it’ll take that new place.

Tap this tile to chat with our chatbot for answers to your questions. Give it a go!

Tapping this tile will take you to our closed Facebook community, where you can tell us what you think of our K’Ching app and help with its future design. The first time you tap this, you’ll have to wait to be admitted the group which is intended for young people only.

This is where you can pimp your app by doing things like uploading a personal photo and setting it as your skin. Tap ‘My personal skin’ to upload your favourite photo.
You can also change the layout to suit your current mood. Feeling like a superstar one day and a bit melodramatic the next? Change your skin to fit how you feel!

This lets you save new contacts and select an existing contact to whom you want to make a payment.

This allows you to change your name, phone number, PIN and e-mail address. You can also add a personal photo, enable or disable fingerprint recognition and turn the sound on and off. You’ll also find your customer number, the version number of the app and all the applicable regulations here. The jokes and tips the app shows you can’t be switched off, but – hey – you’re never too old to learn something new... and laughing is good for you!

‘Inbox’ in the Discover screen gives you access to personal communication from your branch or insurance agency. You can receive, read and save these types of messages on your phone.

If you’re under 18, there won’t be any messages in your inbox as we send them to your parents.

This gives you access to lots of important telephone numbers like the one for Card Stop or our helpdesk. Go here if you want to contact us with a question or problem.

This opens the MobileCash feature that lets you withdraw money from cash machines (also know as automated teller machines or ATMs).

This tile gives you access to the MobilePay feature that lets you buy things from online stores equipped with a KBC or CBC Payment Button. It also lets you pay in high-street stores where you see one of our QR codes at the till.

The timeline lets you keep up with all the latest K'Ching news.
It gives you:

• Details of current and new K'Ching features
• News about events
• All kinds of fun facts
• Discount codes for your favourites shops and activities

Open K'Ching to immediately see the timeline before you log in.

That means you’re not logged in yet. Enter your PIN or fingerprint to see your transactions.

That means you’re not logged in yet. Enter your PIN or fingerprint to see your transactions.

You see information relating to one current account, one savings account and one Start2Save account. If you've more than one current account, you can go into ‘Settings’ and select the account for which information is to be displayed. You're free to do that at any time. Even if you have more than one savings account, you can go into ‘Settings’ and select the savings account for which information is to be displayed.
If you and your partner have a joint account, you can see that too in the K'Ching app.

Your transactions are grouped by counterparty. For instance, if your parents transfer pocket money to you every week, all those transactions will be neatly grouped together, with the most recent transfer at the top.

Yes, you can. Go into 'Settings' and select the option to see the balance of your current account, savings account or both in your login screen. It'll save you the trouble of logging in each time to check if those millions have been credited to your account…
If you decide that you no longer want to display the balance on your login screen, you can quickly go back into ‘Settings’ and disable the facility.

Just swipe down your transactions and hey presto, there it is!

You can check your transactions going back 10 years.

No, that’s not possible in the K'Ching app.

Yes, you can. You can save his/her details in your list of contacts and also add a favourite photo of him/her. Each time there's a money transfer between both of you, that photo will appear in your account information. Of course, you can always save other people's details in your list of contacts, such as your parents, your friends, and so on.

Unfortunately not.

Yes, you can do this under ‘Contacts’ in your Discover screen.

No, you can also transfer money to other accounts in the euro area. If you're under 18, however, you'll need your parents' authorisation (power of attorney) to do this. If you don't have this authorisation, your branch can sort it out for you.

K'Ching doesn’t let you change limits yourself, but you can view them in your settings. Your limit for transfers is separate to your limit for the MobileCash feature that lets you make cash withdrawals. Learn more about limits. Changes made to your limits apply to all phones on which you’ve installed the K'Ching app.

If you’re still under 18, your parents can change the limits at your branch.

Yes, it is. If you've a number of current accounts, you can go into ‘Settings’ and select the current account you want as your main one. You can then see all the relevant information for it and make transfers from it.

Yes, it is. If you've a number of savings accounts, you can go into ‘Settings’ and select the savings account you want as your main one. You can then see all the relevant information for it and make transfers to your current account from it.

No, unfortunately the K'Ching app does not offer that capability. However, you can do that in KBC, CBC or KBC Brussels Touch or KBC, CBC or KBC Brussels Mobile.

No, unfortunately the K'Ching app does not offer that capability. However, you can do that in KBC, CBC or KBC Brussels Touch or KBC, CBC or KBC Brussels Mobile.

Yes, you can! If you have an iPhone with iOS’s voice recognition feature Siri activated, you can use it to transfer money.

Swipe to your settings, then tap ‘My preferences’ to switch on Siri for K'Ching!

Formula 1 cars are fast, but not as speedy as instant credit transfers! They’re SEPA credit transfers paid to the recipient’s account in seconds. Even at 2 o’clock on Christmas morning on a weekend! The recipient doesn’t need to have an account with the same bank either.

Using a KBC Plus Account or business account through our K’Ching app? We make your transfers as fast as we can, instantly where possible or else as standard transfers. You don’t have to do anything extra. Sweet!

Transfers scheduled for a later date are processed as standard ones. The same goes for standing orders.

If we’ve made your transfer instantly for you, it’ll be marked as such in your transactions view, which also shows you when transfers are made.

Savings goals are a fun, easy way to save up for something you’d really like.

Yes!

You can set up a savings goal on your savings account. The bot is there to guide you in setting up a new savings goal ;-). Name your goal and add a fun photo if you like. Then you just say how much you want to save up and you’re done!

There are several ways to transfer savings in this way.

• When you transfer money from your current account to your savings account, you can specify whether it’s for a particular savings goal. You can of course also opt to simply put the money onto your savings account rather than towards something you’re saving up for.
• Your savings account gives you the option of transferring money to savings goals. Simply choose how much and to which savings goal to make the transfer!

Yes. You can easily rearrange your savings goals in order of importance.

Absolutely! You can always transfer money from your savings account, regardless of whether you have savings goals.

Transfer the money you’ve saved under your savings goal to your current account. You’ll need your parents’ authorisation (power of attorney) to do this. You can also transfer money directly from your savings account to your current account.

No problem. Your savings goal will be shown as being over the 100% mark.

If you have set up savings goals, each one shows you how much you’ve already saved. The amount shown at the top of your savings account view is the balance on the account minus all the money you’ve saved under your savings goals.

Change your goal or remove it using the header options.

• If you’d rather save up for something else, you can change your savings goal’s name, photo and amount. This will transfer the money you’d saved for your old goal to your new one.
• You can also remove savings goals if you want to, in which case any money you’ve saved will of course stay on your savings account! 

Sorry, you can’t share savings goals with people like on social media. Only you can see your savings goals.

1. Select 'Withdraw money by MobileCash' in the K'Ching app's login screen and then log in.
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 smartphone's camera.
5. Sign using your PIN or Touch ID.
6. Take your money from the ATM cash dispenser.

No. All you need is your smartphone, the K'Ching app and the PIN you use for the app.

You can withdraw money from your current account. If you've a number of current accounts, you can go into ‘Settings’ and set up your main one.

Any amount that can be made up of 20 and 50 euro banknotes and does not exceed your daily limit for withdrawals. Find out the most you can withdraw and more about limits.

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 smartphone. This may vary for each account.
Needless to say, you can specify a different amount if you wish.

K'Ching doesn’t let you change limits, but you can view them in your settings. If you’re still under 18, your parents can change the limits at your branch.

Yes. You don't even need your bank card to do this.

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

No. The QR code that appears on the ATM screen when you use the KBC, CBC or KBC Brussels Mobile Banking app doesn't contain any personal details and only indicates the location of the ATM.

MobilePay lets you buy things from online stores equipped with a KBC or CBC Payment Button. It also lets you pay in high-street stores where you see one of our QR codes at the till.

You simply scan available QR codes to confirm payments or even generate your own QR codes to repay friends.

You can authorise payments using your phone, so there’s no need for your debit card or a combination of your card and a card reader. You can pay using only your phone and your PIN or Touch ID/fingerprint for K'Ching. 

No. All you need is your smartphone, the K'Ching app and the PIN or Touch ID/fingerprint you use for the app.

DELETE? MobilePay payments come out of your current account. If you’ve a number of current accounts, you can go into ‘Settings’ and set up your main one.

There are no set limits for MobilePay. Payments made this way count as regular transfers. For confirming card payments using your smartphone and mobile payments by Bancontact, a limit of 1 000 euros per transaction has been set. Learn more about limits.

K'Ching doesn’t let you change limits, but you can view them in your settings. If you’re still under 18, your parents can change the limits at your branch.

Only QR codes bearing the KBC, CBC, KBC Brussels or Bancontact logo can be scanned using K'Ching.

Your phone’s camera needs to be able to focus on a QR code to scan it properly. Hold your phone a little closer to, or further away from, the QR code. 

Yes. It also lets you receive payments. Just enter the amount (and a reference if you want) to generate a QR code your friends can scan to repay you.

Looking for the number to call Card Stop? Just tap the robot and then type 'Card Stop'. Need help? Type help. Feeling hungry? Type…

Our Helpdesk is on hand to assist you! The contact details and opening hours are available on our website.

Call us immediately any time on + 32 15 63 22 80 (emergency number). We’ll ensure that K'Ching is blocked straightaway. You’ll then have to go through the registration and activation procedures again to be able to use K'Ching again.

If you’ve installed certain mobile apps, they may be preventing your K'Ching app from running properly. These will be apps that cause data sent or received through the 3G network to be compressed beforehand. This distorts encrypted data sent by your K'Ching app which our systems then reject, resulting in 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 K'Ching.
Still have questions or want to learn more? Just call our Helpdesk.

• At KBC, CBC and KBC Brussels, we do our utmost to ensure that your mobile banking transactions are as secure as possible.
• You can only use our mobile banking service on devices you’ve already registered yourself.
• You need to enter a PIN to log in and confirm transactions. Each time you enter your PIN, a unique, single-use electronic signature is generated and sent to the bank.
• When you register to use K'Ching on your device, you can set for each type of credit transfer the maximum daily amount (within certain limits) that you can transfer using the app.

Don’t forget that as a user of K'Ching, you too play a vital role in ensuring its security.

• Keep your PIN secret. Make sure no-one is looking over your shoulder when you’re entering your PIN into an ATM or device.
• Only use legal software.
• Always close your mobile banking app when you’ve finished using it.

Get more tips for secure mobile banking.

You need to register your mobile device to be able to use our K'Ching app on it. You only have to do this once using your card reader and bank card. K'Ching can only be launched on devices you’ve already registered yourself.

Call us immediately any time on 0800 65 650 (emergency number).

If you don't have the K'Ching app, you can also be involved as a non-user. However, there are a number of restrictions:

• You can't enter any costs
• You can't create a group

If you have the K’Ching app, you can easily pay in just a few taps. Make sure though that your account is linked to it.
 

Yes, you can also be the only person in a group.

Tap the account in question and correct the mistake(s). Note that, if the creator of the group has already hit Calculate, you won't be able to change the account details and you'll have to create a new group.

Install K’Ching and create a profile so that you can use all of Dividr's features. You can also take part as a non-user, but then you won't be able to enter costs yourself or create a group.

You can only enter a transaction if:

• You've entered it yourself
• You own the group

If that's not the case, ask one of these people to change the transaction for you.

Go to the group overview. Tap the three dots beside the group's name to reveal the option to leave the group.

Remember that if you leave the group, your costs and expenses will be deleted too.

Only the person who created a group can delete it.

No, it can have just one owner.
 

No, that’s not possible. However, you can create a new group.

You already have a K’Ching profile

We'll use your profile name for your Dividr name. To change your name, go to Settings in the Discover view and change your profile name there. Your K’Ching profile name now appears as your name in every Dividr group.

Either you don't have K’Ching or you have it but haven't created a profile?

You'll see the name that the person who created the group uses for you in their phone contacts. If you'd like to use another name or your nickname, ask the creator of the group to change your name in Dividr.

Tell them to follow these steps:

• Tap the three dots beside the group's name
• Tap the group's details
• Tap the three dots beside your name and change the name

If you create your own K’Ching profile, you can choose your own name.

No, obviously not. The group shares the cost among the persons involved. The person drawing up the expenses and the group owner can mark who has to pay what and who's already paid.

For instance, if you've gone out together for a pizza, they can unmark your name and the costs will be divided up among those members of the group who ordered food.