KB API

In order to use Account Direct Access API (ADAA), you must have a certificate that is deemed credible by Komerční banka. To obtain such certificate, it is necessary to apply to:

• I.CA
• PostSignum

We support any of the following certificate types:

• Employee qualified certificate
• Company qualified certificate

Account Direct Access API (ADAA) requires a certificate that must contain Organisation name and identification number (IČO). When applying for a certificate, the client must explicitly specify this.

Transactions in an instant

Online stores, clubs, and associations that collect membership fees – all these entities need to actively work with payments. With Account Direct Access API (ADAA), clients can obtain information about payments in real time and subsequently use such information in their processes – such as shipping of goods in online stores or reconciliation of invoices by accounting firms. 

Management of financial flows

Clients may use account balance information for active management of their financial flows. It is possible to monitor balances of individual accounts and subsequently, based on the results, initiate further actions – such as notification that a current account balance is below a specific limit.

The Account Direct Access API (ADAA) service is provided free of charge.

1. Client logs in an application with an already implemented support of the Account Direct Access API (ADAA) service. Client will subsequently work with the relevant data in such application as well. 

2. Client must consent to data downloads in the application. This consent is given through one of the available bank authentication methods:

              a. Security password
              b. File-based personal certificate
              c. Smartcard-based personal certificate
              d. KB Klíč

3. The consent is given for a specific period of time of no more than 12 months.

4. Once the consent is given, the relevant third-party application is ready to download data and process transaction history.

We are continuously working on and improving the Account Direct Access API (ADAA) service. The following improvements are coming soon:

• 2020
  • Notification of a new transaction
  • Transaction history – incrementally, from the last download