We share ATMs with three banks

You can make cash withdrawals from MONETA Money Bank ATMs, free of charge and without any limitations, from 1 June 2022. Newly, this option is also available with Air Bank and UniCredit Bank ATMs from 1 February 2023. There are no fees associated with cash withdrawals from the MONETA Money Bank, Air Bank and UniCredit Bank ATM network for Komerční banka clients. This applies to ATM withdrawals with debit cards (incl. business debit cards).

With regard to KB credit cards, all cash withdrawals from MONETA Money Bank, Air Bank a UniCredit Bank ATMs shall be governed by the same terms and conditions as those applicable to cash withdrawals from KB ATMs.

At this stage of the project, you can display your KB account balance (in addition to cash withdrawals). This service is also free for KB clients.

If you make cash withdrawal from a MONETA Money Bank, Air Bank and UniCredit Bank ATM, it is the same as if you used the KB ATM network. Therefore, clients can still benefit from two cash withdrawals from third-party ATMs in the Czech Republic and selected European countries.

We will move duplicate ATMs (i.e., ATMs that are close to each other at a single location, such as shopping malls) to locations where no ATMs of either bank are currently available, thereby making our services even more accessible to clients in such areas.

Moreover, ATM sharing will allow us to reduce energy consumption and other costs required to operate separate ATM networks (e.g., ATM cash supply or cost of maintenance). This project will also contribute to lower carbon footprint of all participating banks. Consequently, we will be a step closer to doing business sustainably.

For now, KB clients cannot use MONETA Money Bank, Air Bank a UniCredit ATMs to deposit cash, change their PIN, unlock KB Klíč activation or activate their payment cards via an activation button. Payment cards can only be activated by a cash withdrawal.

The primary objective of the partnership is not to generate savings. The main goal for all the participating banks is to increase comfort for our clients, while ensuring better accessibility to ATMs outside of city centres and more sustainable operation of our ATM network.

When talking about savings in this connection, we mainly refer to savings relating to sustainability and better environmental performance.

Average annual costs of operating an ATM depend on a number of factors, such as an ATM type (cash withdrawals, deposits, or recycling) and the level of rent at the given location. However, in general, these costs roughly amount to CZK 500,000 per year (incl. VAT).

The average annual consumption is approximately 2 400 kWh.

This high energy consumption is caused by the ATM operation technology; in addition to constant connection (power source, control computer, touchscreen, data connectivity and security components, lighting, etc.), electricity is also needed to run drives of ATM mechanicals during each transaction. Last but not least, ATMs also include integrated heating that ensures stable operating temperature and their full functionality during cold periods, particularly in case of ATMs installed outside.

The ATM Network Sharing project therefore represents a significant energy saving and a reduction in carbon footprint, as the production of 2400 kWh of electricity generates almost one tonne of CO2.

The terms and conditions governing the use of ATMs (incl. any associated fees) will remain unchanged for clients of Komerční banka. Therefore, you can make cash withdrawals using your debit card from ATMs of MONETA Money Bank, Air Bank and UniCredit Bank free of charge.

Any cash withdrawals made with a credit card may be subject to a fee foreseen by the relevant credit card agreement.

Yes, similar ATM network sharing partnerships exist in a number of European countries, for example in the Netherlands, Belgium, Switzerland, or France where 3 large banks recently announced their plan to share their respective ATM networks, including Société Générale that is part of the same group as Komerční banka.

The shared ATM network with MONETA Money Bank is operational as of 1 June 2022. The shared ATM network of Air Bank and UniCredit Bank is operational newly from 1 February 2023.