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All of KB's offers
Agreement on the Administration of a Purchase Price
The nature of the Agreement is the payment of the purchase price in the amount resulting from the purchase contract, the commitment of the bank to take the purchase price into administration and to pay the administered purchase price under the agreed terms (administered amount) to the seller or to return it to the purchaser.
American Express Travellers Cheques
KB mediates sale of American Express travellers cheques from all types of current and savings accounts kept with KB as well as for cash.
Authorized overdraft on business current account
Authorized overdraft is a short-term contocurrent account (an account with an overdraft facility) in Czech currency which is used to finance deviations in the current funds of the client and is provided to the client's business current account. The client may draw on financial funds in the account up to the contractually agreed limit of the negative balance.
Bankokarta
Do you need the ideal card for your every day payment needs? The first card to be issued with an EMV compliant chip in the Czech Republic ensures your complete security and peace of mind. Issued with either the Visa Electron or Maestro brand, this card allows you to withdraw cash from ATM's, or to make purchases in over 30 000 locations across the country.
Bank overdraft for a definite period and for an indefinite period in CZK and in foreign currency
Bank overdraft is used to finance operating requirements resulting from the business activity of the client. The credit is maintained on the current account of the client.
Bond issue
Primary emission (issue) of bonds represents the standard form of medium-term to long-term financing of activities of the enterprise, municipalities or the state through the capital market.
Business loans for project financing with support from the EU SF - Ponte Programme II
Do you plan to implement a project with support from EU Structural funds and do you need to finance some expenses even before you attain a grant drawing? Or do you need money for co-financing the project? KB has prepared loans intended for these purposes. They are offered according to the Ponte II program, which offers assistance with the preparation of company and municipal projects including their credit financing. In conjuction with the access of the Czech Republic to the European Union, the operating programs will be declared. These operating programs provide finances from EU Structural funds for individual projects.
Business Silver Card
Does your company need a business payment card that will allow you to draw high weekly limits? Then the Business Silver Card, an international business card issued by KB for demanding clients, may be what you are looking for. The card also offers exclusive supplementary services, including the Travel insurance to gold and silver cards, UAMK assistance services and special terms for joining the ČSA loyalty program.
Capital markets trading
Do you have free financial resources? Would you like to invest in stocks, bonds or mortgage bonds? Are you interested in trading on the Prague Stock Exchange? Then you may use the services of KB in the area of capital markets trading!
Corporate program Domino
Would you like to increase the motivation and loyalty of your employees? If so, you may make use of the Corporate program Domino - the package enabling all your customers to find an advantageous individual solution to his/her personal financial needs. Due to the non-cash electronic transfer of your employee salaries to their respective accounts in KB, the program will save both time and money for your company. The program will help to increase labor productivity of your employees and decrease their turnover costs.
Cross currency swap
Cross Currency Swap is an agreement on a principle exchange of two currencies and related interest costs.
Party A undertakes to buy from party B funds in currency 1 for a certain amount of funds in currency 2 on an agreed due date and, at the same time, party A undertakes to resell the same amount of funds in currency 1 for a certain amount of funds in currency 2, in the same exchange rate, on an agreed later date, but not later than within one year after closing of the deal.
Within the deal period, both parties keep exchanging interest payments from currencies they bought from each other at the start of the deal.
Currency forward
Currency forward is a purchase or a sale of one currency for another currency in the rate agreed in advance between involved parties. The deal is settled with the forward value date (thus longer than 2 business days).
Currency Option (European type)
Currency Option represents a right (an option) to buy or sell a given amount in one currency for another currency, for the rate agreed in advance by counterparts, on the declared date.
Currency spot
Currency spot is a purchase or a sale of one currency for another currency in the rate agreed in advance between involved parties. The deal is settled with the spot value date, thus in two business days after the trade date.
Currency swap
Currency swap is a combination of two transactions, spot and forward.
This product consists in a purchase of one currency for another currency with at the latest spot settlement and a re-sale with a forward value date settlement.
Both transactions are concluded at the same moment.
Current account in CZK
Are you looking for a basic banking product that opens the door to most other KB products and services? You'll find it in the current account where you can deposit funds and make cash and non-cash payments in CZK. It also enables you to obtain associated KB products and services, e.g. mojebanka internet banking, profibanka PC banking, Expresní linka phone banking, or an authorized overdraft up to 3 milion CZK.
Current account in foreign currency
Are you looking for a basic banking product that opens the door to most other KB products and services? You'll find it in the current account where you can deposit funds and make cash and non-cash payments. It also enables you to obtain associated KB products and services, e.g. mojebanka internet banking, profibanka PC banking or Expresní linka phone banking. KB maintains current accounts in the following currencies: USD, EUR, AUD, CAD, CHF, GBP, JPY, NOK, PLN and SEK.
Current account on Housing Development Fund (FRB)
The Current account on Housing Development Fund is designed for legal entities - municipalities, who use this account to receive resources from the Housing Development Fund.
Custody Services
Custody services allow you the transactions settlement and safekeeping of assets at both national and international securities depositories. In addition, portfolio of custody services spans the income collection, corporate actions management and proxy voting services.
Diners Club Corporate Card
Diners Club Corporate Card is a payment/credit product. This is a charge card so the card credit must always be paid off completely by the end of the interest-free period - in contrast to a credit card where it is enough if the only minimum amount is paid off.
Direct channel
Do you want to send payment instructions easily and quickly and to load bank statements directly
from your accounting system environment? This is possible through the Direct channel, a simple
and efficient superstructure for the mojebanka service. The Direct channel saves time, makes
operations easier and reduces errors. You can find here
an updated list of accounting systems fully integrating the Direct channel. The service has been
designed for clients that use accounting systems in communication with the Bank or who need to
transfer large volumes of payments and statements (more than 3,500 payments per month). The service
is easy to operate and comes with top security protection based on electronic signature standards.
You can send an application for the personal or company certificate here.
Domestic payments in cash
Domestic payments in cash allow you to make cash deposits and withdrawals in Czech crowns and selected foreign currencies at KB business locations. Cash can be deposited either at KB cash counters, through night safes or in a sealed package. Withdrawals are possible either using withdrawal slips at the client's home branch or by personal cheque throughout the KB branch network.
Dynamic Card
The card for your every day payment needs. It provides attractive discounts and benefits at the country's largest network of petrol stations. Through a proud partnership with Benzina, we bring you a payment card with benefits attractive to motorists everywhere. With this Visa Electron card you can make payments in store or withdraw cash from ATMs all over the world. Additionally, a 2.2 % discount on fuel and other goods at Benzina petrol stations countrywide makes this more than just a payment card.
E-card
Would you like to be able to shop via the internet with complete confidence in the safety of your finances? If so, e-card is the payment product for you. Not really a card at all, the e-card is a virtual card which uses special security measures to ensure your on-line transactions are completed quickly and safely.
Foreign system of payments
Foreign payment (payment or bank transfer) is the most widespread and simplest payment instrument in the international non-cash payment system. Foreign payment is a transfer of financial funds ordered by a client of one bank in favour of a client of another bank. Payments are carried out through interbank accounts of the sender's and the beneficiary banks or, if necessary, of intermediary banks.
Forfaiting of receivables (buyback of receivables without recourse to previous holders of the receivable)
Forfaiting of receivables allows for bridging of time discrepancies between the need for finances to ensure planned construction or for purchase of ordered goods and services and the available resources of clients from the municipal sphere.
Forward Rate Agreement
FRA (Forward Rate Agreement) is a contract concluded between the bank and the client, the object of which is an agreement on the future interest rate for a particular term deposit or loan within a certain agreed future term. At the same time, no party actual provides to the other party a loan or accepts a term deposit from the other party, but the parties only exchange the difference between the interest rate agreed in the FRA transaction (the "FRA rate") and the actual market interest rate published on the financial market within the agreed time limit with respect to the term deposit or loan, which corresponds exactly to the terms of the FRA transaction.
Gold Card MasterCard / VISA
Do you demand the maximum from your payment card? Gold cards have long been recognised as the pinnacle of payment services. Our Gold cards, issued in partnership with MasterCard and VISA, are the most recognised and welcome means of payment in the world. Open the door to another world and enjoy not only peerless service, but also juicy extras such as the Travel insurance to gold and silver cards for trips abroad, worldwide assistance service ÚAMK for motorists, and inclusion in the ČSA OK Plus Frequent Flyer program.
Hire Purchase
This financial product is intended primarily for those who need to acquire immediate ownership the item they are purchasing, for example, in order to obtain subsidies. There is no statutory minimum repayment period; an additional advantage of hire purchase is the possibility of a single VAT deduction at the beginning of repayment.
Cheques for Collection
KB mediates the Collection of Cheques payable at any domestic or foreign bank, both for KB clients, as well as non-KB clients.
Immediate payment of bank cheques issued by other domestic banks in CZK
KB enables immediate payment of bank cheques issued by other domestic banks in CZK after fulfilment stated conditions.
Cheque is always paid with recourse.
Immediate payment of cheques issued by other banks against loro accounts at KB
KB supply immediate payment of cheques issued by other banks against loro accounts at KB after fulfilment stated conditions.
Immediate payment of cheques issued in foreign currency
KB enables immediate payment of cheques issued in foreign currency after fulfilment stated conditions.
Cheque is always paid with recourse.
Individual asset management
Do you have a considerable amount of money (at least 10 million CZK), which will be available for a longer period (a minimum of 6 months) and which value you would like to increse? Then the Individual Asset Management is the right thing for you. It is based on the establishment and management of a portfolio consisting of selected instruments on the financial market. This portfolio is managed by a responsible person in the Asset Management department of KB based on a contract and on the basis of authorization provided by the client. clientTrading is conducted on the client's account.
Insurance programme for cities and municipalities
This insurance programme from Česká pojišťovna is intended for regions, cities, towns, municipalities and organisations established by them. This programme provides comprehensive insurance cover including insurance of property, liability for damage and agricultural risks, which is adapted to suit the specific demands of municipalities.
Interest Rate Option
In general, the option represents a right to buy or sell the defined instrument on agreed dates.
The instrument, in case of the interest rate option, is the exchange of payments from the agreed fixed rate for the payments from the determined floating interest rate.
Interest rate option enables to the buyer to hedge his position against the increase or the decrease of interest rates.
Interest Rate Swap
Interest rate swap (IRS) is an agreement on an exchange of cash flows denominated in one currency that are derived from a fixed or a variable base.
Party A undertakes to pay a party B agreed fixed interest on an agreed principal, for an agreed period, as of agreed due dates. At the same time the party B undertakes to pay the party A agreed float interest on the agreed principal, for the agreed period, as of agreed due dates.
KB Bank Cheques
KB issues bank cheques from all types of current and savings accounts kept with KB as well as for cash.
KB EU POINT - Our subsidies services
KB EU POINT is a consulting service provided by Komerční banka for the financing of projects with subsidies from EU structural funds and other sources.
KB FleetLease
KB FleetLease is for company clients for the financing and operation of rolling stock. There is the option to use as operative or financial leasing or in the form of full-service leasing or fleet management.
KB Leasing
A financial lease is a long-term contractual relationship between the leasing company and the lessee, where the leasing company provides the lessee with the use of the lease item for an agreed period (lease term).
Under current legislation there are two types of finance leases:
- financial lease with the option to purchase the lease item at the end of the agreed period
- financial lease with the obligation to purchase the lease item at the end of the agreed period
KB Private Cheques
KB issues private cheque forms for clients to all types of current accounts.
Loans for financing of projects with support from the EU SF - Ponte II Programme
Loans from the Ponte II Programme allow municipalities to finance projects with grants from European funds. A loan for pre-financing of a grant resolves any time discrepancy between settlement of eligible project expenditure and receipt of the grant. A loan for co-financing of a project can be used to cover expenditure, which is not covered by the grant.
Mojebanka
Do you want to communicate easily with your Bank and make the most of your banking transactions
through the Internet? If so, then Mojebanka, a modern internet banking service from Komerční banka,
is just what you need. The service will enable you to receive information about your accounts,
carry out banking transactions comfortably from your home or office, at any time day and night,
regardless of branch business hours. The Mojebanka service is easy to use and comes with top
security protection based on electronic signature standards.
You can send an application for the personal certificate here.
Mojekarta - the card with your own design
Do you want a card like no one else's? We have prepared a new service for you called Mojekarta where you can design the look of your company card yourself. You can place your company logo or a photo of your colleagues, etc. on the card. You can have a unique and original card for you or your colleagues.
Mojeplatba
Do you operate an internet store with goods or accept payments for services from your customers? Would you like to have the money for the goods and services on your account immediately? Do you want to simplify payments for your customers and to speed up dispatch of goods as much as possible? Then the Mojeplatba (MyPayment) service is intended exactly for you. It allows you to interconnect your internet store or portal with direct banking of Komerční banka (Commercial Bank).
Mortgage loan in CZK or foreign currency
This is medium-term or long-term loan used for investment, particularly into real estate which must be secured by the right of lien to the real estate, including real estate under construction.
MULTICASH
Does your company use automated data processing technology and does it need to exchange large volumes of data with the bank? In this case, you can become a user of KB MULTICASH. The client can communicate with the bank 24 hours a day, send the bank large volumes of payments in a convenient and automated manner - both domestic (including express payments) and foreign (express and urgent payments) - and on the other hand, get online statements from the bank as well as debit and credit advice about payments currently being cleared.
Municipality package
The Municipality package contains financial products and services, which ensure reliable and effective management of the finances of clients from the municipal sector. Apart from standard banking services, this product offers access to a range of useful optional services, designed not only for cities, municipalities or regions, but also for representatives of local governments.
Municipal loan from resources of the European Bank for Reconstruction and Development (EBRD)
This concerns loan resources from the European Bank for Reconstruction and Development (hereinafter referred to as EBRD). Komerční banka has concluded a contract with the EBRD, thanks to which it can mediate grants for clients relating to drawing on a loan.
Municipal loan from resources of the European Investment Bank (EIB)
This concerns loan resources from the European Investment Bank (hereinafter referred to as EIB). Komerční banka has concluded a contract with the EIB, thanks to which it can mediate grants for clients relating to drawing on a loan.
Municipal loan in CZK or foreign currency
A loan intended for cities, municipalities and regions needing funds to acquire tangible and intangible fixed assets including projects or financing the recovery of existing fixed assets. In addition to this, it can bridge the difference in timing between income and expenditures of a city, municipal or regional budget, or a combination of the two.
Municipal loan over 10 years in CZK
This loan is designed for towns, villages and regions, needing funds to purchase tangible or intangible fixed assets, including projects, or for financing the renewal of existing fixed assets. The loan is provided for the amount of the contractual price.
Municipal revolving loan in CZK or foreign currency
The loan is desifned to bridge repeated time discrepancies between the revenue and expenditure of towns, municipalities or regions.
Non-cash domestic payment transactions
Do you need to transfer money between your accounts at Komerční banka or between your accounts at KB and accounts at other domestic banks? Then you will no doubt appreciate the benefits of our non-cash domestic payment transactions. Komerční banka accepts written payment orders for domestic payments from the client at the client's home branch. You do not have to waste your time queuing at the counter, because you can use self-serviced deposit boxes.Payment orders can also be made using direct banking products.
Pension Insurance
Do you want to live without financial worries when retired? The Pension Insurance with State contribution can help you. It is a long-term savings product allowing a client to accumulate sufficient funds to be drawn after retirement.
Prestige Card
Does your company need a payment card that it can rely on in any situation? Not only can the Prestige Card be used for payment, the card also gives the cardholder automatic travel insurance on trips abroad. The Prestige Card is a better instrument for your company than ordinary payment cards. You can also monitor card use by choosing the frequency of statements that suits your needs. Managerial control over card use is also maintained by the ability to set various limits on funds drawn.
Profibanka
Are you interested in a direct banking service that combines the advantages of internet banking
with the efficiency of local applications? We have prepared the PC banking Profibanka, a top
direct banking product from KB, in order to provide a comprehensive solution for companies'
payment systems. With Profibanka you can carry out all banking transactions comfortably at home or
in your office, at any time day and night, regardless of the branch business hours. The service
is easy to use and employs top security protection based on electronic signature standards.
You can send an application for the personal certificate here.
Program Vital
Are you an employer who is willing to motivate your employees through higher financial evaluation under recognized tax conditions - favorable to both the company and the employees? Then Program Vital is the right product for you within which the employee has an opportunity to choose from two types of life instance. This depends on whether the employee prefers the savings insurance which is brings him/her better financial evaluation at the age of retirement or whether he/she intends to protect his/her family members. The program will allow you to motivate your employees and at the same time decrease the tax base of your company from contribution to your employees without any stint.
Promissory note of Trading
Do you possess a large amount of available money which value you want to increase? One of your choices is the Promissory note of Trading (DST). This will allow you to deposit the money under a very favorable interest rate which is based on the actual rates of the interbanking market. This is a non-transferable note, which is issued with the validity between 1 day and 12 months. It is issued in CZK or in several foreign currencies (EUR, USD and GBP). The minimum value of one deal is 20,000,000 CZK or the equivalent amount in another currency.
SEPA EuroPayment
So you make payments in EUR? Then SEPA EuroPayment is here for you - it is a European Council project for payment systems. The aim is to integrate the payment system and create a single euro payment area. It will enable payers to make cashless payments to the credit of payees anywhere in the eurozone using a single account and a single system of payment tools.
Syndicated loan
Syndicated loan is a special loan category where the Komerčni bank as the Arranger, forms a group of creditors to finance the debtor. As a potential debtor you may be required to submit offers from various arrangers from which you can select a specific solution which is adapted to your individual requirements.
Term account
Do you want to get a higher return on your invested money compared to the return offered on your current account and yet not increase the level of risk? These requirements are fulfilled by the Term Account. Here, you can deposit any amount starting from 5,000 CZK, possibly 1,000 EUR or USD, and all this for a couple of days (7 or 14), months (1, 3, 6 or 12) or even years (2, 3, 4, 5). In case of deposits below 12 months there is the possibility of automatic renewal during 5 years. As far as longer-time term deposits are concerned, every three months the interests are being added and you can operate with them. If you have any current account as a part of a package, you will get an interest bonus of 0.2% per year. In case of an emergency, the money of the deposits for more than 1 month will be immediately released. The opening, maintenance, and cancellation of the account are free-of-charge.
Term deposit with individual interest rate
Are you looking for a way to increase the return on your invested money more significantly than in standard term deposits while maintaining the same safety level? Then you can use the term deposit with an individual interest rate (TVIS). It is a deposit with the interest rate set by the dealer according to the current interbank market prices. The maturity of the TVIS Deposit ranges from O/N (overnight) to one year. The minimum amount of a transaction is approximately CZK 15 million for deposits of up to one week, and CZK 10 million for deposits of one week to 1 year, possibly an equivalent amount in a foreign currency tradable on the interbank market.
The payment terminal
A payment terminal allows you to offer the citizens in your municipality use of payment when paying for services, any necessary fees of fines incurred. On the basis of a single contract with KB, you can accept generally known payment cards from all payment associations issued by any bank in the Czech Republic and abroad.
