Legal Info

Here you will find important information.

Where applicable, KBC Dublin Branch may apply a fee for a product or service provided. Any fees will be notified to you in advance prior to the provision of the service in respect of which the fee is charged. The fee will be payable in amounts and at such times as will be notified to you by KBC Dublin Branch.

Please note: in line with the Code of Conduct on Mortgage Arrears (“CCMA”), KBC Dublin Branch will not impose any charges and/or surcharge interest on arrears arising on a mortgage account in arrears to which the CCMA applies.

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Where your Consumer or Business Banking loan has transferred to KBC Bank NV Dublin Branch (“KBC Dublin Branch”), we may undertake searches with the Central Credit Register during the period of your credit facility originally provided by KBCI (now Exicon) to establish your credit record.

These searches will be conducted at the time of any extension or variation of an existing credit arrangement (e.g. request for a mortgage arrears resolution option).

Searches may also be conducted in the event of any breach of any credit agreement with KBC Dublin Branch. Under the Credit Reporting Act 2013, KBC Dublin Branch is obliged to provide personal and credit information relating to credit applications and credit agreements to the Central Credit Register, where the amount of credit applied for is €500 or more. The Central Credit Register may retain a record of such searches for a period of at least five years and this five year period generally runs from the date of final repayment of the loan in question.

KBC Dublin Branch may use and retain any information received as a result of a credit search to:
(i) make credit decisions in relation to you,
(ii) review the operation, management and performance of a credit facility provided by KBC Bank Ireland (now Exicon),
(iii) help detect or prevent fraud and recover its property and/or
(iv) for statistical purposes.

Further information on how we process your personal information is available in our KBC Dublin Branch Data Protection Notice.

Further information on the Central Credit Register and how the Central Bank of Ireland processes personal data is available on the Central Bank of Irelands dedicated Central Credit Register section.

Notice: KBC Bank Ireland DAC (now Exicon DAC) ceased reporting to the Irish Credit Bureau (‘ICB’) on the 31st of August 2021 with enquiries ceasing from the 30th of September 2021. The ICB have updated their Fair Processing Notice to reflect this.