• Domestic Cashless Payment Transaction

    Payments and transfers of financial funds between accounts maintained by banks in the Czech Republic.

Smartly

Submit smartly payment orders in your mobile phone, PC, telephone or at a branch.

Submit payments smartly

Secure

Your payments are executed in a secure and reliable manner.

Quick

Payment orders between KB accounts are processed and settled immediately.

Online

Benefit from internet or mobile banking solutions.

Why KB?

No problems

Submit your payment orders online – it is simple, quick, and secure.

Simply choose

We offer a comprehensive portfolio of payment instruments.

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Customer support available every day from 8:00 am to 10 pm.

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Detail

About Domestic Cashless Payment Transaction

  • Make cashless transfers of funds in the form of payments and direct debits:
    • In CZK and foreign currencies between KB accounts
    • In CZK to other banks in the Czech republic, settled via the Czech National Bank
  • Available to anyone with an account intended for payment transactions in KB
  • Payments and direct debits in CZK or foreign currencies are executed immediately
  • All payment orders may be submitted up to 364 days prior to the requested due date

You might also like to know

  • Payment orders and direct debits in the amount of no more than CZK 500,000 may be placed in a Self-Service Box
  • For direct debits within the bank, the payment currency must correspond to the account currency of both the direct debit debtor and creditor
  • For express payments in CZK to other Czech banks, we guarantee that amounts of no more than CZK 500,000 will be credited to the payee’s bank account on the same day, if submitted via
    • Direct banking systems as “express” and made by 2:00 pm on the given due date
    • Payment order in paper from at a branch and executed as “super express” by 11:30 am on the given due date
  • Standing orders in CZK and foreign currencies are used for recurring transfers of fixed amounts in CZK or foreign currencies on a fixed date and to an account of one payee
    • Orders may be set up, modified or cancelled in direct banking systems or at a branch; paper orders for up to CZK 100,000 may be dropped off in a Self-Service Box
    • Payment orders between KB accounts may also be submitted in different currencies; only CZK orders are available if made to another bank
  • We distinguish 3 types of automatic transfers:
    • Transfer of excess balance with a specific date/time (sweep) – simply define a limit, date and time, and sweep parameters; if the given limit is exceeded on the specified date and time, the excess funds are transferred
    • Transfer of excess balance without a specific date/time – specify the transfer limit and parameters; if the given limit is exceeded, the excess funds are transferred
    • Transfer to maintain minimum balance – specify the transfer limit and parameters; if your account balance falls below the given limit, a transfer from another KB account is effected
  • SIPO payments may only be used for individual (personal) accounts
    • SIPO may be set up, modified or cancelled in direct banking systems or at a branch; paper orders may be dropped off in a Self-Service Box
    • Payments are settled between the 11th and 13th day of each month; in case the account balance is not sufficient, second settlement attempt takes place between the 19th and 21st day of the month in question
  • In a direct debit agreement, you specify a limit, payment frequency, and account that is authorized to make collections from your account
    • Payment takes place on the basis of payee’s request
    • Direct debits may be set up, modified or cancelled in direct banking systems or at a branch; paper orders for up to CZK 100,000 may be dropped off in a Self-Service Box
  • Payment orders may be submitted
    • Online
    • Import in the form of batches via direct banking systems: MojeBanka Business, Profibanka, Direct Channel or via the KB MultiCash application