• Merlin Payment Card Insurance

    Insurance for all your payment cards and valuables against unauthorized use, loss or theft.

All cards

Insure all of your cards – issued by KB and other banks.


Get protection against all authorized transactions (even with PIN).


Merlin also insures your keys, mobile phone, your wallet and its contents.

Covers fees

Dot not pay any fees for replacement card or emergency cash.

Why KB?

Unique coverage

Extensive insurance coverage for less than CZK 1 per day.

Travel anywhere

Worldwide coverage – travel anywhere without any worries.

Trust experts

It is provided by Komerční pojišťovna – insurance specialist.

How to get this product?

Select a branch, leave your contact information – we will call you back.

At a branch

Get the service online – directly in the MojeBanka application.


Leave it all up to us. Leave your contact information – we will call you back.

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About Merlin Payment Card Insurance

  • Merlin provides extensive insurance coverage for all payment (debit and credit) cards issued in your name – both by Komerční banka and other banks in the Czech Republic
  • Merlin protects your cards from effects of unauthorized use in case of their loss or theft, anywhere in the world
  • Coverage for your personal belongings stolen with your card or for unauthorized card transactions with the use of PIN

You might also like to know

  • Merlin Payment Card Insurance also covers the following:
  • Unauthorized card transactions with the use of PIN (e.g. unauthorized ATM withdrawal)
  • Personal belongings
    • Wallet and any money in it, if you have an ATM withdrawal slip
    • Keys (expenses associated with new keys)
    • Documents (expenses associated with the issue of new documents)
  • Mobile phone (device and unauthorized phone charges)
  • Selected bank fees – e.g. you will not pay for
    • Replacement card issuing
    • Delivery of replacement card and PIN code abroad by a courier
    • Transfer of emergency cash to abroad
    • PIN redelivery

Important information for you

  • Study the indemnification limits
Limits of indemnity  
Unauthorised card payments CZK 30 000
Unauthorised withdrawal from KB ATM using KB
Unauthorised withdrawal from ATMs of other banks using card from other banks
CZK 10 000
Costs of obtaining personal items (mobile, documents, mp3, wallet, keys etc.) CZK 15 000
Costs of re-sending PIN to card CZK 1 000
Costs of courier services for dispatch of replacement card with PIN abroad CZK 12 000
Costs of issuance of replacement card after stop-listing and of issuing a duplicate card CZK 1 000
Costs of issuing replacement cash (emergency cash advance) CZK 15 000
Misuse of mobile telephone (calls, SMS from stolen phone) CZK 5 000

Specific conditions

The product is intended for owners of a KB personal account and people with a right of disposal to such account.


It covers payment cards issued by Komerční banka as well as other banks based in the Czech Republic.


Detailed KB pricelist and interest rates.