Accounts and Payments

Complete overview of products and services included in the section Accounts and Payments

This list contains an overview of the products and services included in the Accounts and Payments section of Komerční banka. The product and service overview is arranged in alphabetical order.

• Bank Cheque Issued by KB

  A secure method of settling commercial payments or private liabilities. KB guarantees cashing of the cheque, so the recipient also gains certainty that he or she will receive his or her money. KB issues bank cheques in several currencies. Bank cheques can be issued by transfer from a current account up to an unlimited level, or in exchange for payment in cash up to the level of CZK 500,000 or the equivalent in foreign currency.

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• Business Gold Card

  Business Gold cards from VISA and MasterCard – the most recognised payment instrument in the world. Unrivalled payment services and attractive additional products in terms of a single card.

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• Business Prestige Card

  Business Prestige Cardis a payment card for your company, with which you will receive  automatic travel insurance for foreign travel. You retain management control over use of the card thanks to the possibility of setting various limits for drawing funds.

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• Business Silver Card

  Business payment cards with high weekly limits. An international payment card for demanding clients. Exclusive additional services, especially Travel insurance for embossed cards.

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• Cash Pooling

  Cash pooling KB is an effective tool for interest optimization. It enables comfortable liquidity management of single entity corporate, as well as economically connected group of corporate clients or municipality. This service offers both, zero balanced accounts and notional option of cash pooling in the Czech Republic or a cross-border alternative. Zero balanced accounts allow physical cash concentration and optimal sharing of all connected accounts' funds. Notional Cash pooling provides interest optimization without real transfer of funds. KB's Cash pooling offers tailor-made solutions in order to meet specific needs of our clients.

• Current account for capital composition

  Prior to their establishment, trade companies are designated a Current account for capital composition for the purpose of fulfilling their statutory obligations.

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• Current Account in a Foreign Currency

  A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions. It allows you to gain related products and services offered by KB. The Current account in a foreign currency is offered in the following currencies: AUD, BGN, CAD, DKK, EUR, GBP, HUF, CHF, JPY, NOK, PLN, RON, RUB, SEK, TRY and USD.

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• Current Account in CZK

  A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions especially in CZK. It allows you to gain related products and services offered by KBincluding an authorised overdraft up to the level of CZK 3 million.

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• Diners Club Corporate Card

  Diners Club Corporate Card is a type of charge card that you can use as a classical payment or as a credit card. The loan on the card must always be repaid in full by the end of the interest-free period.

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• Direct Channel

  Direct channel allows you to simply and quickly send payment orders and download bank statements directly in the environment of your accounting system. A simple and effective supplement to the MojeBanka service. An up-to-date list of accounting systems which Direct channel is fully integrated into can be found here.

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• Domestic Cashless Payment Transactions

  Domestic cashless transfers can be submitted in CZK in favour of accounts in Komerční banka and to other domestic bank and in foreign currency, only to accounts in Komerční banka. Orders can be submitted at any branch of the bank. A Self-service box is available for clients. Orders can also be submitted with the aid of direct banking products.

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• Domestic Cash Payment Transactions

  Domestic cash transactions allow you to deposit and withdraw cash in CZK and selected foreign currencies at KB branches. Cash can be deposited at cash counters and withdrawals are made using a withdrawal slip or cheque at KB branches, which provide cash services.

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• E-card

  Do you want to be able to make absolutely secure purchases on the Internet? e-Card is a virtual card, which ensures fast and secure implementation of your on-line transactions.

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• EDI KB

  KB EDI is an electronic banking service for transfer of large volumes of data. You can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments). You can also gain statements from the bank and debit and credit advice about payments just now being cleared on-line.

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• Electronic Pledging of Receivables

  Make use of the simple and administratively undemanding process of electronic pledging of receivables.  As specified in the contract, the client sends lists of receivables signed with an electronic signature via the MojeBanka or Profibanka application at regular intervals.

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• Foreign Payment Transactions

  Foreign payment – the most widespread and simplest payment instrument in foreign cashless payment transactions. Cashless transfer of funds.

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• Cheques for Collection

  Komerční banka mediates collection of cheques payable in any domestic or foreign bank. The service is available to KB clients and other holders of cheques. The bank is only the intermediary for collection of the cheque and does not guarantee its result.

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• Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB

  Komerční banka ensures immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB subject to meeting of the stipulated conditions.

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• Immediate Payout of Cheques Drawn Up in a Foreign Currency

  Komerční banka, a.s., cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately on presentation. The quality of the cheque and KB conditions for cashing of foreign cheques are decisive for cashing of the cheque.

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• KB Komplet

  Make use of aversatile package of banking products and services, which can be drawn up according to your personal requirements. Komplet includes a current account in CZK or foreign currency (or both alternatives), direct banking services, domestic payment transactions, a business payment card and discount on foreign payment transactions (outgoing payments).

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• KB Private Cheques

  KB issues clients with blank private cheques for all types of current accounts.

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• MojeBanka

  Simple communication with the bank via the Internet. MojeBanka – a modern Internet banking service from Komerční banka. MojeBanka allows you to gain information about your accounts and to perform banking operations from the comfort of your own home or office at any time of the day or night regardless of branch opening hours. MojeBanka utilises an advanced security solution based on electronic signature standards.

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• MojeKarta

  MojeKarta – a card with your own design. Thanks to the MojeKarta service, you can design your own card just the way you like. You could for example have a picture of a favourite place, pet, your family or friends on the card.

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• MULTICASH

  KB MULTICASH is an international multi-banking system, which allows you to operate accounts held in various banks in the Czech Republic and abroad. Via this single application, you can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments), conveniently and in an automated manner, as well as gaining statements from the bank and debit and credit advice about payments just now being cleared on-line.

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• Payment of Dividends and Other Direct Payments

  Komerční banka offers the possibility of bulk payment of dividends or similar monetary amounts to a large group of natural persons and corporate entities. The bank performs this bulk payment via the branch network throughout the whole of the Czech Republic. Amounts may be paid out in cash or by means of cashless transfer.

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• Profibanka

  Profibanka PC banking is a KB direct banking product. It provides a comprehensive solution for the requirements of companies in the field of payment transactions. Operation is very simple and intuitive. The service uses an advanced security solution based on electronic signature standards.

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• SEPA EuroPayment

  Do you make payments in EUR? Then the SEPA EuroPayment is the perfect product for you – a KB product which can be used to make payments within the SEPA area (= EU 27 + Iceland, Lichtenstein, Norway, Monaco and Switzerland).

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