Starting to invest
Invest your spare change
Saving for your retirement
- See 'Pension savings plans' under 'Savings'
Tap the ‘Investments’ menu to do this. You’re shown your largest assets (in euros) as standard, but you can ask at your branch to have other assets displayed by default instead.
This view displays products you’ve bought through your branch. Products you’ve bought through one of our insurance agents are shown under ‘Savings & investments via an insurance agent’. View a selected asset by tapping the arrow at the top next to its name.
If you have more than one type of asset (like several types of personal assets, savings and investment products through an insurance agent, cooperative shares and savings and other people’s savings and investment products), you can view those as well. Tap the arrow at the top right next to the name of a selected asset to do this.
You’re shown your own or your and your partner’s savings and investment products, depending on the products you have and whether you invest by yourself or together with your partner.
Cooperative shares or insurance you’ve bought through an insurance
agent are shown under a separate assets view. Other people’s savings
and investment products that you’re authorised to see are also
Your assets are divided up as ‘Savings’, ‘Tax-advantaged savings and investments’ and ‘Investments’.
Savings and investment products bought through one of our insurance agents are given under ‘Savings & investments via an insurance agent’, not under your ‘own’ assets view.
The equivalent value in euros is shown for each section. The total
value in euros of a selected asset is given in the heading
Tap the ‘Investments’ menu to see your investments categorised as
‘Savings’, ‘Tax-advantaged savings and investments’ and
Tap the ‘Investments’ menu and select the relevant asset, followed by ‘Tax-advantaged savings and investments’.
If you’ve only just opened a Pricos pension savings
plan, you’ll only be able to see its details a few days after you’ve
paid into it for the first time. Bear that in mind if you’ve opened a
Pricos pension savings plan at the end of the tax year and
still want to include what you’ve paid into it in your tax return for
Open 'Investments' and tap 'More' to see your periodic
Tap 'Investments', then the 'More' tab and 'Periodic investments' to set up a new investment plan in just a few steps.
If you’d like a bit more advice, opt for ‘Mobile investing with
advice’ under 'Offer' to get suggestions that fit you.
You invest periodically if you invest set amounts at fixed intervals in savings or investment products.
The risk is spread over time. Each month, a pre-selected amount is
invested in the chosen product.
If you open an investment plan using KBC Brussels Mobile, you can only invest in investment funds.
If you’d like to invest in other types of savings or investment
products, contact KBC Brussels Live or ask at your branch for more
You can set up an investment plan just for you or for yourself and your partner.
If you want to open a plan for someone else like your grandchild or
godchild, contact KBC Brussels Live or ask at your branch for more
You can set up an unlimited number of investment plans, except spare
change investment plans. They’re limited to the number of current
accounts you hold in your name or jointly with your spouse.
With an investment fund, you invest a fixed amount by standing order in a fund every month. You only pay usual charges for the fund. They are detailed in the product information.
Every time you pay into your plan, you pay entry charges. There are
also annual management fees to pay, as the fund invests in stocks and
bonds, which need to be actively monitored.
Once your savings account has been opened, we’ll message you as soon as possible to confirm this. Tap ‘Communication’ in KBC Brussels Mobile or ‘Messages’ in KBC Brussels Touch and KBC Brussels Invest to see this message,
which does not contain any legal information or product features.
If you wish to save that information, download the PDF files and save
them on your device.
Yes, as soon as you've set it up, it's shown under 'Investments >
No, processing your details for the fund in which you have invested
takes two to three working days. The number of units and the
equivalent value can only be viewed after the details have been
You can use KBC Brussels Mobile, KBC Brussels Touch or KBC Brussels Invest to change your investment plan. KBC Brussels Mobile lets you do in your investment plan view under 'Manage'.
You can also name your plan and add a photo to personalise it and
make it easier to find.
Yes, you can, though certain terms and conditions may apply (see the
relevant product information for more details). If you need help, call
or chat with KBC Brussels Live. Alternatively, make an appointment at
If you’ve set up an investment plan using KBC Brussels Mobile,
the allocation will always be 100% in the suggested fund. In the case
of investment plans set up through KBC Brussels Live or your branch,
you are unable to adjust the allocation yourself. To do so, contact
KBC Brussels Live or your branch.
Our Mobile app’s ‘Invest your spare change’ feature lets you invest small amounts of money in a balanced investment fund – without any paperwork hassle. The modest amounts invested come from roundups to the nearest euro on everyday transactions on your current 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 can invest spare change using a current account held in your
name or one you hold jointly with your spouse. Other types of common
account (held jointly with one or more persons other than the one
you’re married to) cannot be used for spare change investing.
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.
Open the ‘Offer’ menu, scroll down to ‘Savings and investments’ and tap ‘Show more’ to see the ‘Invest your spare change’ feature.
Go to ‘Investments’ to track your investments. Amounts you pay into your investment plan are shown under ‘Investments’ a few days after you make your deposit.
You only pay usual charges for the fund (see the product information for details).
No, processing your details for the fund in which you invest takes two to three working days. The number of units and the equivalent value can only be viewed after the details have been processed.
Yes, as soon as you’ve set it up, it’s shown under ‘Investments > Moreְ’
- Yes, you can. Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Pause’ to do so.
Tap ‘Investments > More > Periodic investments > Invest your spare change > Manage tab > Restart’ to do this.
If you want to stop investing your spare change for good, contact KBC Brussels Live for more help.
Yes, you can, though certain terms and conditions may apply (see the relevant product information for more details). If you need help, contact KBC Brussels Live.
You can also top up your roundups with an automatic investment order for any amount you like.
Tap ‘Investments > More > Periodic investments > Invest your spare change > More tab > plus sign (+) next to ‘Automatic payments’ to do this.
'Mobile investing with advice' gives you investment and savings advice that fits you and your budget. Invest from as little as 50 euros per month.
We make suggestions to you once we’ve gotten to know you better by asking you a few questions.
You then enter how much you want to invest every month to potentially earn more from your money than a standard savings account. Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:
Once you're happy with our suggestion or changes you make, you can immediately set up your automatic savings order, pension savings plan and/or investment plan.
This feature is intended for beginner investors who aren't that familiar with investing basics, but want to learn them and get investment advice.
Go to 'Offer > Savings and investments > Show more' to find 'Mobile investing with advice' and start using it. If you want to start saving for your retirement and investing, you can also go to 'Investments > Do you want to do more than just save > I'm not sure. I would like some help'.
We base what we suggest to you on the amount you’re capable of saving every month and the type of investor you are.
Depending on the amount you specify and your answers to our questions, we suggest whether you should invest your savings by:
Whenever we provide you with investment advice we always put your interests first. To give appropriate advice, we have to know not only our investment products but also you as customer. We ask you a few simple questions to determine what kind of investor you are,
including finding out your:
We use your answers to these questions to set your risk profile, which is the basis for investment advice that fits you.
See ‘What is periodic investing?’.
You can change the amount you want to save every month and how that’s spread over the products we suggest to you. You can also remove products.
You may be able to view a proposal again, depending on where you were when you left off.
If you still need to complete a step, we recommend doing so before leaving a proposal so you can easily pick up where you left off.