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.

• Acceptance of Payment Cards

  A convenient method of payment for your customers. Acceptance of payment cards via a payment terminal or the Internet allows for payment for goods and services with a payment card. With KB, you can accept payment cards from all card associations issued by any bank in the Czech Republic or abroad. The offer can be extended to include Cash back for withdrawal of cash at the checkout when paying by card.

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• Agreement on Administration of a Purchase Price

  The essence of the Agreement is deposit of a purchase price by the buyer at the level resulting from the purchase contract, obligation on the part of the bank to accept the purchase price into its administration and to pay out the purchase price (administered amount) to the seller subject to the agreed conditions, or to return this to the buyer.

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• 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 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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• 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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• 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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• Expresní linka

  Expresní linka for modern, fast and convenient communication with the bank by telephone. A direct banking service, which allows you to use banking services whenever you want via the 955 559 559 line. By activating the additional Expresní linka Plus service, you can also gain access to your accounts via the Internet.

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• Expresní linka Plus

  Expresní linka Plus is a service, which allows for fast access to information about your account at any time of the day or night. It also provides users of telephone banking and all other bank clients the possibility of downloading electronic statements.

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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 Private Cheques

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

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• Mobilní banka

  A revolutionary Internet banking service from Komerční banka predominantly for individual and small-scale entrepreneurs. Mobilní banka allows you to use banking services any time and any place via the display and keyboard of your mobile telephone. Mobilní banka combines the flexibility of telephone banking and convenient Internet banking.

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• Mobilní banka 2

  A direct banking service from Komerční banka available whenever you want and wherever you are via the display and keyboard of a mobile telephone which is connected to the Internet. Mobilní banka 2 is characterised by a high level of user friendliness and usefulness. Thanks to Mobilní banka 2, you always have important telephone numbers at hand.

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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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• Profi account

  Business Account, which you can set up according to your needs. Let do your business easily with products and services of Profi account.

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• Profi account for Housing Cooperatives and Flat Owners Associations

  Account for easy management of your finances

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• Profi account for start up entrepreneurs

  Attractive account for starting your business which you can set up according to your business needs.

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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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• Profi Card

  Profi Card is a payment card for your company. You retain management control over use of the card thanks to the possibility of setting various limits for drawing funds.

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• Profi Merlin

  Profi Merlin – insurance, which protects you all around the world against the consequences of misuse of your payment card in the event of its loss or theft. Merlin is the only insurance, which also protects you in the event of misuse of cards issued by other banking institutions based in the Czech Republic. The other risks covered by Merlin insurance include theft of cash withdrawn using the card, loss or theft of personal documents and keys, theft and subsequent misuse of a mobile telephone and also theft or damage to goods, which were purchased and paid for using a KB card.

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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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• VISA / MasterCard Business Gold Card

  A Gold card for discerning clients. The most globally recognised payment card from VISA and MasterCard. The path to unrivalled payment services including attractive additional products and travel insurance for gold and silver cards.

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