Payconiq by Bancontact

The ideal app for mobile payments in shops and between friends

Payconiq by Bancontact

The ideal app for mobile payments in shops and between friends

Pay and get paid with ease

Lent cash to a friend or need to pay someone back? Find them in your phone contacts using their phone number or e-mail address without needing their bank details!

Pay in lots of places near you

Look out for the Payconiq logo in shops, restaurants and a growing list of other outlets to pay securely by Payconiq by Bancontact.

Pay on your mobile

Payconiq by Bancontact makes paying on your mobile in online stores and apps easier than ever before. Use Payconiq or Bancontact to pay, confirm the transaction and your order is already on its way!

What is Payconiq by Bancontact?

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Payconiq by Bancontact is a smartphone app that lets you pay for things.
No need to have

  • A payment card
  • Cash
  • Banking details of someone you’re paying on you

All you need is your phone!

The new Belgian payment app Payconiq by Bancontact is set to replace the existing Bancontact and Payconiq mobile apps. If you currently use Payconiq and want to find out more about the switch to Payconiq by Bancontact, check out our FAQs for Payconiq users.

Where can you use Payconiq by Bancontact?

Payconiq by Bancontact lets you pay for things surprisingly easily. You can use the app in a variety of ways, as you can see here.

In shops

1. Via QR code/list

No more messing about with cash. From now on, you can pay in a shop, restaurant or hairdresser by scanning the QR code with the app and entering your PIN to confirm. Or simply select the right shop from the list. It couldn’t be easier!

2. Using Tap & Pay

If you have an Android smartphone, use the ‘Tap & Pay’ function by holding your smartphone next to the contactless symbol on the payment terminal. Simple, no?


There are two ways to pay online:

1. When shopping, you pay with a tablet or smartphone that has the Payconiq by Bancontact app installed on it

Say you just found the perfect pair of shoes. You can pay for them right away using either Payconiq or Bancontact. Open the Payconiq by Bancontact app, check the amount, confirm and enter your PIN. And that’s it!

2. You’re shopping on your laptop, but you pay with the Payconiq by Bancontact app on your smartphone or tablet

Imagine you’re looking for a nice sweater on your laptop. After lots of searching, you’ve finally found what you want. Now simply tap ‘Pay’ and choose Payconiq or Bancontact as your payment method. A QR code will appear on your laptop screen. Grab your smartphone or tablet, open the Payconiq by Bancontact app and scan the QR code. The amount will appear on the screen of your device. Check it, confirm and enter your PIN. It’s as simple as that!

With friends and family

If you ever have to borrow money from a friend or chip in for a shared gift, it’s handy to have a bank account number. But Payconiq by Bancontact does away with that. If your friend has Payconiq by Bancontact on their phone and you know their mobile number, that’s all it takes to send them money!

There are two options for paying friends or relatives:

1. Paying friends or family far away

Find the right contact person in the Payconiq by Bancontact app using their number or e-mail address in your phone. Pay without bank details.

2. Paying friends or family nearby

Pay each other back simply by creating and scanning a QR code in the Payconiq by Bancontact app.

Not with us yet?

Open a current account online and get your debit card by post in no time. Simply activate your account using KBC Brussels Touch or KBC Brussels Mobile, then easily link your card to Payconiq by Bancontact.

Open your current account online

Your questions on Payconiq by Bancontact answered

Where can I pay near me using the Payconiq by Bancontact app?

You can use the Payconiq by Bancontact app to pay at any merchant accepting Payconiq, Bancontact or both. When you spot these logos, you know you can pay using your app.

What are the limits for Payconiq by Bancontact payments?

A fixed daily limit applies to Payconiq by Bancontact payments (it can’t be changed). At KBC Brussels, we’ve restricted this to 1,000 euros a day. (125 euros per day for minors).

What does Payconiq by Bancontact cost?

Absolutely nothing! The app is free of charge and payments cost nothing either.

How do you install the Payconiq by Bancontact app and link it to your KBC Brussels account?

Type ‘Payconiq by Bancontact’ in the search bar at the App Store (iOs) or Google Play Store (Android) and tap the app’s pictogram in the search results. The download will begin automatically. There is then a three-stage activation procedure:

  1. First of all, you’ll be asked to create a user profile. Do this by entering your personal details. Next, choose a secret four-digit PIN (after doing this, the app is immediately activated).
  2. To make payments, though, you still need to register your card. In the app, select a valid Bancontact card from the bank that issued your card, in this case KBC Brussels. Enter the card details and give the card an alias (optional). Confirm your registration by making a 0.01 euro payment using your card reader or digipass (with your card's PIN). You need to link at least one valid Bancontact card to be able to use the app.
  3. Link an account number to the app by selecting the bank where you hold the account. The app will use this account number when you send money to friends or colleagues by tapping ‘contacts’ in the start screen or to a merchant when you tap ‘shops’.

How does my business offer Payconiq by Bancontact as a way to pay?

Running your own business and want to give your customers the added option of paying using their phone?

Other questions

If you haven’t found an answer to your question, be sure to check out the Payconiq by Bancontact's FAQs.

Want the ideal the app for paying on your phone in shops and between friends?

Install the Payconiq by Bancontact app for free on your phone
Link your KBC Brussels account to Payconiq by Bancontact using our KBC Brussels Mobile app
Get started with Payconiq by Bancontact

Been using the Payconiq app and have questions about the switch? You'll find the answer here.

Can I continue to use my Payconiq app now that there is also a Payconiq by Bancontact app?

You can continue using your Payconiq app in shops that accept Payconiq and for repaying friends.
However, we advise you to use the Payconiq by Bancontact app in future. The app combines the functions of the Bancontact and Payconiq apps, which means you can now make mobile payments at merchants who accept Bancontact and Payconiq. And you can still use it for easily repaying your friends.

Where can I use the Payconiq app?

At any merchant where you see the Payconiq logo. You can also find the merchants using the ‘Pay in shops’ button. If you have geolocation turned on for the Payconiq app, nearby shops will appear at the top of the list. Otherwise, you can use the search function to find the merchant.

Where do I go if I have questions about transactions or have a problem?

  • By e-mail:
  • By phone: +32 2 234 11 49

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