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.

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!

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).