Spare change investing

Users of KBC Brussels Mobile can start investing their spare change in just a few taps. Our app shows you how much you’ve already invested and what that may have made you in the meantime.

If you’re not a customer with us, open a current account first.

We round up all your everyday purchases and payments from your account to the nearest euro at the end of each day. That includes credit transfers, card payments, standing orders, direct debits and loan repayments.

We won’t do any rounding up if your account has a negative balance or roundups would cause you to go overdrawn on your account.

Spare change investing is intended for our personal banking customers aged over 18 who want to start investing in a fun, easy and accessible way.

You invest your spare change from a personal current account or a joint current account (if you’re married or living together with someone).

Yes, you can. Simply turn on the turbo and double or triple your roundups to boost the size of your investment budget.

When you start investing your spare change, your investment plan will be visible the next business day. Just go to ‘Investments’ and tap ‘Investment plans’ to see it. It’s only when your roundups amount to 10 euros that we invest in the fund. It then takes three business days before you can see and track the fund in KBC Brussels Mobile. A good way to start accumulating roundups is by investing your spare change.

When you start investing your spare change, you automatically open a free investment plan. That investment plan is linked to a fund. Once you’ve set aside 10 euros by rounding up your purchase amounts, we invest that money in the fund. It’s at this point that you buy in and pay the standard entry fee of 2.5% of the amount invested. The ongoing charges (including the fund management fee) amount to 1.86% annualised, but these are already included in the net asset value of the fund, so you don’t have to pay them separately. You'll receive further details when you start investing your spare change in KBC Brussels Mobile.

You can pause and resume your investment, and you also have the option to stop investing for good and withdraw your money. This can be done at any time, and once your investment has been sold, you’ll quickly have access to your money again. Be aware that there are charges when you stop investing: a 1.32% stock market tax and a 30% withholding tax.

It might make sense to stop investing if you need you money back, but it’s a better idea to take a long-term view. The return on your investment may fluctuate, but the more time you give it, the more chance there is that the good months on the stock market will cancel out the poor ones. You'll receive further details when you start investing your spare change in KBC Brussels Mobile.

If you’d like to pause rounding up your purchase amounts, you can do so with a couple of taps in KBC Brussels Mobile, and it’s easy to start rounding up again later. Good to know: the amount already invested can continue to generate a return during the time you’ve paused investing.