For your convenience, we've provided information on how much it costs to make payments or withdraw cash abroad, and which cards should be used for what:
- Your debit card is the cheapest option inside the euro area. You will not be charged when you pay with your credit card in a euro country, but withdrawing cash is more expensive.
- Paying with your credit card is cheaper outside the euro area. It's also better to use your credit card when making cash withdrawals above 110 euros in non-euro countries.
Debit card transaction fees are not charged for euro transactions in the following geographical areas: Åland Islands, Azores, Bulgaria, Canary Islands, Ceuta and Melilla, Czech Republic, Denmark, French Guiana, Gibraltar, Guadeloupe, Hungary, Iceland, Liechtenstein, Lithuania, Madeira, Martinique, Norway, Poland, Romania, Sweden, Switzerland, United Kingdom.
A complete overview and three example amounts are provided below to allow you to make a quick comparison.
Using your payment card in euro countries (outside Belgium)
Debit card
- Making payments is free of charge, regardless of the amount involved
- Withdrawing cash at an ATM is in principle free of charge for KBC Brussels Plus Account holders
Important: some ATM operators charge a transaction fee (a fixed amount or a percentage) when you withdraw cash. Usually you are notified of this on the ATM itself.
Prepaid card and credit card
- Making payments is free of charge, regardless of the amount involved
- Withdrawing cash at other banks' ATMs costs 1% of the amount involved, with a minimum charge of 5 euros
- Withdrawing cash over the counter in a bank costs 2% of the amount involved, with a minimum charge of 5 euros
| Cash withdrawal at an ATM | Cash withdrawal in a bank |
|
| 25 euros | 5 euros | 5 euros |
| 150 euros | 5 euros | 5 euros |
| 500 euros | 5 euros | 10 euros |
| 25 euros: how much does it cost… | 150 euros: how much does it cost… |
500 euros: how much does it cost… |
|
| …when withdrawing this amount at an ATM? | 5 euros | 5 euros | 5 euros |
| …when withdrawing this amount in a bank or bureau de change? | 5 euros | 5 euros | 10 euros |
The cheapest way to make payments and withdraw cash in a euro country is with your debit card.
Using your payment card outside the euro area
An exchange commission will be charged for payments and cash withdrawals. It is included in the exchange rate appearing on your account statement or billing statement. However, you will not have to pay this commission if the transaction is in euros.
For European Economic Area (‘EEA’) currencies, the exchange commission is 1.6% of the ECB reference exchange rate used to convert the relevant amount into euros. See these euro foreign exchange reference rates.
Debit card
Payment in a shop |
Cash withdrawal at an ATM |
|
| 25 euros | 1.09 euros |
4.11 euros |
| 150 euros | 3.51 euros | 8.05 euros |
| 500 euros | 10.29 euros | 19.06 euros |
25 euros: how much does it cost… |
150 euros: how much does it cost… |
500 euros: how much does it cost… |
|
| …when paying this amount in a shop? | 1.09 euros |
3.51 euros |
10.29 euros |
| …when withdrawing this amount at an ATM? | 4.11 euros |
8.05 euros |
19.06 euros |
Prepaid cards and credit card
| Payment in a shop | Cash withdrawal at an ATM |
Cash withdrawal in a bank or bureau de change |
|
25 euros |
0.40 euros |
5.40 euros |
5.40 euros |
150 euros |
2.40 euros |
7.40 euros |
7.40 euros |
500 euros |
8 euros |
13 euros |
18 euros |
| 25 euros: how much does it cost… | 150 euros: how much does it cost… |
500 euros: how much does it cost… |
|
…when paying this amount in a shop? |
0.40 euros |
2.40 euros |
8 euros |
…when withdrawing this amount at an ATM? |
5.40 euros |
7.40 euros |
13 euros |
…when withdrawing this amount in a bank or bureau de change? |
5.40 euros |
7.40 euros |
18 euros |
The cheapest way to make payments and withdraw larger amounts of cash (110 euros and above) outside the euro area is with your credit card.
What to do if your payment card is lost, stolen or retained by an ATM?
Lost your debit card, credit card or prepaid card, or had it stolen? Act without delay! Block your card with KBC Brussels Mobile or call Card Stop on 078 170 170. Your card will then be blocked straightaway.
Card Stop can be contacted at any time. If your card is stolen, make sure the police draw up an official report within 24 hours.
1 KBC Brussels Silver Credit Card and KBC Brussels Gold Credit Card are traditional credit cards issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A. Subject to your card application being approved by KBC Bank NV.
² This KBC Brussels credit card is no longer being sold, so information on this page is just for existing card holders.
