Banking without borders. Obtain current data and information
and control your accounts in your own application with KB API.
CARD-BASED INSTRUMENT SERVICE (CIS)
This service makes it possible to verify the current account balance of a KB client. In order to use this service, it is necessary to obtain the relevant PSD2 license from the Czech National Bank or another official authority in the EU and receive a qualified certificate. Komerční banka relies on a uniform structure and format of information, as defined in the Czech Open Banking Standard (“COBS”) by the Czech Banking Association.
There are several basic ways you can use the data.
Issue your own payment instruments.
Verify sufficient balance to execute a transaction.
First of all, create an account according to the API type you would like to use.
Use KB API Sandbox to analyse our services and test the connection.
TEST YOUR SOLUTION
If everything works correctly, you can switch to the production API.
For current detailed overview of all functional APIs, see the Overview of Services.
Confirmation or no confirmation of sufficient account balance of a KB client.
Bank’s reply in the form of
“YES” or “NO”.