What are contactless payments by debit card?

We’ve all been there: endless queues at the tills, just when you want to grab a sandwich and still make your train. That’s when you want to pay fast and go. So do we! Contactless lets you pay in no time.

Pay quickly and securely for small purchases like a newspaper, train ticket or quick bite to eat by simply holding your debit  card close to the contactless reader.

Contactless payments are processed in just the same way as payments using your card and PIN, except much faster.

Safety first!

Per transaction you can pay up to 50 euros contactless without a PIN code. Above 50 euros you will need your pincode.

Shopping, drinks with friends, cinema. All these items can be paid contactless up to a total amount of 150 euros. Has that maximum been reached? In that case, the payment terminal will ask you to enter your PIN. After that you can continue contactless again.

Due to the corona crisis, the limit for payments without a PIN code was temporarily raised to 50 euros. Do you make consecutive contactless payments without a PIN for more than 150 euros (e.g. 45 euros + 45 euros + 25 euros)? If so, you must insert your payment card into the terminal and enter your PIN at the time of the last payment.

Which card should I use?

Bankkaart contactloos betalen

You can pay by contactless online using your debit card, prepaid card or credit card. If your card has the contactless logo on it (four radio waves), you’re good to go.

When you see this symbol on a payment terminal, you’ll know that you can pay by contactless there.

Drat, forgot my card again

Fear not! Our K’Ching app lets you easily transfer money or withdraw money.

MobilePay using K’Ching 

From paying back friends after a night out to online shopping, our K’Ching app’s MobilePay feature lets you pay without needing your card and card reader. Simply scan the QR code with your phone and enter your PIN. Paying online has never been so fast and easy!

MobileCash using K’Ching

No cash on you and you’ve forgotten your debit card. Been there! Use K’Ching’s MobileCash feature to withdraw cash from KBC, CBC or KBC Brussels ATMs with your phone. No card required!