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What added value does KBC offer you as a partner?

As a KBC partner, you benefit from our business solutions in 3 ways: 

  • More turnover. If you immediately offer a financing or insurance option with your products, this will undoubtedly add value for your customers. They get instant insight into the credit costs or insurance premium, which makes it easier for them to make their purchase. This integration allows your customers to save time, make decisions more quickly and enjoy an even better customer experience.
     
  • Faster turnaround time and lower costs. Secondly, the integration of KBC business solutions can make your operations more efficient. For example, it enables a real estate broker to assess the repayment capacity of potential buyers. This means that the broker knows in advance whether a potential buyer is eligible for a home loan for a specific property. As a result, the broker can make sure that all visited homes are within the buyer's budget. This greatly improves the broker's efficiency and shortens the sales cycle.
     
  • Performance-based fee. Finally, some business solutions offer the partner a fee for purchased products, such as credit or insurance. The fee depends on the type of business solution and on the partner’s role in the process: the partner can act as a referrer or as a credit intermediary. The fee rewards the partner’s efforts to offer KBC products to customers within the applicable legal framework.

Do the KBC APIs have Swagger specifications?

Yes, KBC APIs have Swagger specifications, now known as OpenAPI specifications. Once you have completed the registration process, you can find the specifications on the KBC Developer Portal.
Go to the develop
ment section of the portal for further details.

I am getting 400 Bad Request Error as a HTTP response status code. What went wrong?

A 400 Bad Request Error may indicate the following :

  • Request received without a mandatory parameter
  • Request received with bad parameters (invalid format) values
  • Request received with execution-date in past
  • Request received with amount<=0
  • Request received with currency other than EUR
  • Request received with same account for sender and receiver
  • Request received with incorrect debtor/creditor account or incorrect structured communication
  • Request received with invalid execution-date (for example in a weekend)

What is the KBC Developer Portal?

The KBC Developer Portal is a platform of financial APIs developed by KBC Bank & Insurance Belgium. Companies and developers interested in using these APIs can register for the portal and test the APIs in a secure sandbox environment. Do not hesitate to contact us for further information.

What does XS2A mean?

Access to Account (XS2A) services enable third-party payment service providers to gain access to the bank accounts of EU consumers. The detailed Access to Account framework is based on PSD2 and the European Banking Authority Regulatory Technical Standards requirements. It uses data model and associated messaging.

What is the benefit of connecting with KBC’s API’s?

Connecting with KBC’s integration patterns (API, QR, widget, SDK, …) enables entrepreneurs and business developers to upgrade their own internal processes and their proposition to private and business customers. For more information on the benefits of open banking, read this portal’s section on open banking.

 

What are the terms & conditions for using KBC API solutions?

Each integration option is subject to its own specific conditions. These are available on the description page of the API of your choice under the KBC Partner Requirements section. For more detailed information, you are always welcome to contact one of our implementation supervisors at partnerships@kbc.be.

If you want to use our PSD2 APIs, we will ask you to send your eIDAS certificates to psd2@kbc.be. If you are still in the process of obtaining your eIDAS certificate, you will need to send us the supporting documents from the relevant authority.

Where can I find the technical documentation for the KBC APIs?

Once you have registered, you can log into the KBC Developer Portal to access the technical documentation on our APIs.
Go to the development
section of the portal for further details.

Who is the KBC Developer Portal for?

The KBC Developer Portal has been created as a source of inspiration and integration for the managers and developers of small, medium sized and large enterprises. Business leaders, business developers and technical developers can be inspired by this portal to integrate KBC’s financial APIs into their applications. If you are interested in using our APIs to strengthen your business, contact us.

I am getting 401 Unauthorized Client Error or 403 Forbidden Error as a HTTP response status code. What went wrong?

401 Unauthorised Client and 403 Forbidden Errors may indicate the following:

  • Request received without or with invalid client certificate
  • Request received with invalid values for Oauth2 Security related parameters

Request received with invalid access_token

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About us

KBC Open Banking & Insurance fosters innovation
to take your business to the next level.

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