Cash & Liquidity Management

Cash & Liquidity Management

Facilitating domestic and international corporate cash management

Reducing financial costs

Management of short-term funding
and reduction of credit-related costs

Optimising cash

Efficient use of available
financial funds

Ensuring liquidity

It enables companies to cover operational
and unexpected expenses without
cash flow fluctuations

Automation of payments

Automatic delivery of bank statements and submission of payment orders
It allows automatic downloads of bank statements, setting up regular payments, and automatic submission of payment orders without the need for manual input, which greatly simplifies and speeds up financial management.

Early morning payment matching saves time
Automatic matching of payments with invoices as soon as a bank statement arrives allows for faster and more efficient reconciliation of payments.

Lower error rates
Automation eliminates the need for manual data entry, reducing the risk of errors such as typos in variable symbols, amounts or account numbers, ensuring more accurate and secure payment processing.

Digital tools accessible from anywhere
Modern online banking and integration with accounting systems allow you to manage payments, review bank statements and approve transactions from anywhere with an internet connection, increasing flexibility.

Cash Pooling

Liquidity management for domestic and international corporations

Domestic physical cash pooling
Domestic notional cash pooling
International physical cash pooling

Learn more about cash pooling

Automation of payments

Connecting the client’s accounting (ERP) systems with the bank.

International payments

Global Cash internet banking by Société Générale enables centralised management of domestic and foreign accounts, initiation and approval of payment orders, and provides an overview of transactions and balances for individual accounts.

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Delocalised payments

The model enables companies to optimise their liquidity management and ensure efficient management of international payments.

Payments

Domestic and international payments are made and credited throughout the day. Payment transactions can be executed in domestic and foreign currencies not listed in the exchange rate list.

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Short-term deposits

Financial products that are used to temporarily deposit available company funds to preserve liquidity and generate returns. These instruments are usually characterised by low risk, high liquidity and shorter maturity.

A company managed and operating in the Czech Republic

Services that are usually used

Current accounts in CZK and foreign currencies
Debit cards for the company’s corporate current accounts with the possibility of setting individual limits for withdrawals and card payments
Credit cards to cover company expenses in the Czech Republic and on the road, without fees and with zero liability policy
KB deposit card for quick and convenient cash deposits at deposit ATMs
Acceptance of payment cards for cashless payment of your customers
Domestic eBanking tools (MojeBanka Business, Profibanka) to manage and control your accounts
Domestic physical cash pooling for automated cash flow management, zero balancing positive and negative account balances and centralising financial funds
Notional cash pooling for optimising interest costs and income by netting positive and negative account balances, without actual transfers

A company managed from the Czech Republic with international operations

Services that are usually used

International eBanking tools (Global Cash, Sogecash International SFTP, Sogecash SWIFTNet)
Domestic eBanking tools (MojeBanka Business, Profibanka)
Provision of domestic and international payments (e.g. SEPA) in local, SWIFT or XML format
Physical cash pooling at a domestic or international level for automated cash flow management, zero balancing positive and negative account balances and centralising financial funds. This sophisticated service is an ideal solution for businesses with central financial management
Notional cash pooling for optimising interest costs and income by netting positive and negative account balances, without actual transfers

A foreign company’s branch in the Czech Republic

This is a company that is managed from abroad but that requires solutions to meet the needs of the Czech market. This type of company will also require international cash and liquidity management tools to operate from the headquarters of the parent company.

Services that are usually used

International eBanking tools by the Société Générale Group (Global Cash, Sogecash International SFTP, Sogecash SWIFTNet)
SIAM service for the exchange of messages in SWIFT or XML format containing payment instructions and/or statements
Provision of domestic and international payments (e.g. SEPA) in local, SWIFT or XML format
Real cash pooling on a domestic or international level for automated cash flow management, balancing of positive and negative account balances and centralization of funds. This sophisticated service is an ideal solution for businesses with central financial management
Notional cash pooling for optimising interest costs and income by netting positive and negative account balances, without actual transfers

Everyday banking services

Current accounts in CZK and foreign currencies
Domestic and international payments, incl. SEPA transfers
Debit and credit cards
Payment cards acceptance
Cash services

MojeBanka Business

MojeBanka Business Internet banking for businesses and entrepreneurs. Banking operations and management of your accounts online. Simple and secure operation.

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MultiCash

Multicash KB handles large-volume payments for corporations and international groups using accounts in the Czech Republic and abroad - even with different banks. All in one.

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