Our General Banking Terms and Conditions, legal documents and product regulations are available here for your information. You can view them online or, if you prefer, you can download them instead. Of course, they can also be obtained from your KBC Brussels Bank branch.


Belgian Bankers' Association Code of Conduct

The Belgian Bankers' Association Code of Conduct has been drawn up by the Belgian Bankers' and Stockbroking Firms' Association, the organisation representing banks and savings banks in Belgium. This publication contains the rules that banks and savings banks have to follow in their relationship with private customers.

Full text (in Dutch or French) provided on the Febelfin website.

General Banking Terms and Conditions

General Banking conditions until January 1, 2024
View the General Banking Conditions

General Banking conditions as of Jan. 1, 2024
View the General Banking Conditions

Main changes
View the main changes

KBC Bank Embargo Policy

KBC Bank must comply with financial and trade embargoes issued by the United Nations (made enforceable in Belgium),  the European Union and by the Belgian legislator, but also embargoes issued by the USA (OFAC).
Read here the KBC Bank Embargo Policy.

Information on the Conflicts of Interest Policy

The European Markets in Financial Instruments Directive (MiFID) obliges investment undertakings to draw up a written policy for managing their conflicts of interest when providing investment services. The Royal Decree of 21 February 2014 on the code of conduct and rules for managing conflicts of interest imposes the same requirement on insurance companies. The following publications contain more information on how KBC Bank and KBC Insurance have drawn up their policy.

Anti-Money Laundering

Banks play an important role in the fight against money laundering, terrorist financing, fraud and corruption. Anti-money laundering legislation requires KBC to carry out checks to prevent the bank from (unwittingly) supporting illegal activities.
To enable us to perform these checks, we ask customers to provide us with certain personal details. Given that they may change over time, we also regularly ask that these details be checked and either confirmed or updated where necessary. This is very important, because if we’re unable to verify these details in time, we have to block the relevant customer’s banking and insurance products of the customer concerned.

KBC will only use this information internally and in the context of the legal purpose for which it is intended, namely verification, investigations and giving advice in relation to money laundering and fraud prevention.

All prominent public functions at national level, at the level of International Organisations and at the level of the European Union Institutions and Bodies can be found in the following document published by the European Union: Read the publication

More information on the fight against money laundering can also be found on the Febelfin website.



Payment cards





Non-life covers

General conditions first house (main residence)

General conditions second home

General conditions family policy

Life and Health Insurance

Saving & investing


Product rating

Investor protection

Sustainability-related disclosures

Statement on principal adverse impacts of investment decisions on sustainability factors (cfr. art. 4.1 Commission Delegated Regulation – RTS)

Tax matters



Consult previous versions of these documents

If you're in doubt whether the document on this page is the most recent version or if you'd like to see a previous version, don't hesitate to contact your KBC Brussels Bank branch. They will be glad to provide you with the latest and earlier versions of these legal documents and regulations.

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