We share ATMs with
three banks

Make cash withdrawals with your debit card
from MONETA Money Bank, Air Bank
and Unicredit Bank ATMs

As of 1 February 2023

From 1 February 2023, you can now use more than 2000 ATMs throughout the Czech Republic

Discover new ATMs at locations where they were previously unavailable

We save energy and reduce the carbon footprint of the participating banks

We won the Bankovní inovátor 2022 award for our ATM sharing project

Benefits of ATM sharing

As of 1 June 2022, clients of KB and MONETA Money Bank can make cash withdrawals with their debit cards and display account balance at ATMs of both banks, free of charge. From 1 February 2023, the same option will available at ATMs of Air Bank and UniCredit Bank.

Through this initiative, we respond to the current European trend of ATM sharing. The objective is to eliminate duplicate ATMs – in case two shared ATMs are close to each other at a certain location, we will remove one of them and reinstall it at a new location where no ATM was previously available. Over 5,000 of you voted last year on where to move duplicate ATMs. Locations where relocated ATMs are already installed are continuously updated on the map available at www.mamenavyber.cz.

We also invited other banks in the market to cooperate in the area of ATM sharing. Our partnership with MONETA Money Bank was a start; then Air Bank and Unicredit Bank joined the project. We hope that other banks will join us in the future as well. 

Thank you for appreciating our ATM sharing project

We won the prestigious award Bankovní inovátor 2022 for our innovative approach to ATM network sharing. The prize is awarded every year by Hospodářské noviny as part of the Visa Nejlepší banka competition. You have decided the winner of the Bankovní inovátor category with your votes via an online poll.

Thank you for appreciating our ATM sharing project

We won the prestigious award Bankovní inovátor 2022 for our innovative approach to ATM network sharing. The prize is awarded every year by Hospodářské noviny as part of the Visa Nejlepší banka competition. You have decided the winner of the Bankovní inovátor category with your votes via an online poll.

Frequently asked questions

You can make cash withdrawals from MONETA Money Bank ATMs, free of charge and without any limitations, from 1 June 2022. Newly, this option is also available with Air Bank and UniCredit Bank ATMs from 1 February 2023. There are no fees associated with cash withdrawals from the MONETA Money Bank, Air Bank and UniCredit Bank ATM network for Komerční banka clients. This applies to ATM withdrawals with debit cards (incl. business debit cards).

With regard to KB credit cards, all cash withdrawals from MONETA Money Bank, Air Bank a UniCredit Bank ATMs shall be governed by the same terms and conditions as those applicable to cash withdrawals from KB ATMs.

At this stage of the project, you can display your KB account balance (in addition to cash withdrawals). This service is also free for KB clients.

If you make cash withdrawal from a MONETA Money Bank, Air Bank and UniCredit Bank ATM, it is the same as if you used the KB ATM network. Therefore, clients can still benefit from two cash withdrawals from third-party ATMs in the Czech Republic and selected European countries.

We will move duplicate ATMs (i.e., ATMs that are close to each other at a single location, such as shopping malls) to locations where no ATMs of either bank are currently available, thereby making our services even more accessible to clients in such areas.

Moreover, ATM sharing will allow us to reduce energy consumption and other costs required to operate separate ATM networks (e.g., ATM cash supply or cost of maintenance). This project will also contribute to lower carbon footprint of all participating banks. Consequently, we will be a step closer to doing business sustainably.

For now, KB clients cannot use MONETA Money Bank, Air Bank a UniCredit ATMs to deposit cash, change their PIN, unlock KB Klíč activation or activate their payment cards via an activation button. Payment cards can only be activated by a cash withdrawal.

The primary objective of the partnership is not to generate savings. The main goal for all the participating banks is to increase comfort for our clients, while ensuring better accessibility to ATMs outside of city centres and more sustainable operation of our ATM network.

When talking about savings in this connection, we mainly refer to savings relating to sustainability and better environmental performance.

Average annual costs of operating an ATM depend on a number of factors, such as an ATM type (cash withdrawals, deposits, or recycling) and the level of rent at the given location. However, in general, these costs roughly amount to CZK 500,000 per year (incl. VAT).

The average annual electricity consumption is approximately 2,400 kWh. To give you an idea, this corresponds to average annual electricity consumption of a family home.

The average annual consumption is approximately 2 400 kWh.

This high energy consumption is caused by the ATM operation technology; in addition to constant connection (power source, control computer, touchscreen, data connectivity and security components, lighting, etc.), electricity is also needed to run drives of ATM mechanicals during each transaction. Last but not least, ATMs also include integrated heating that ensures stable operating temperature and their full functionality during cold periods, particularly in case of ATMs installed outside.

The ATM Network Sharing project therefore represents a significant energy saving and a reduction in carbon footprint, as the production of 2400 kWh of electricity generates almost one tonne of CO2.

Therefore, each duplicate ATM (i.e. in a location, where both Komerční banka and Moneta have their ATMs) that is removed will generate significant energy savings and contribute to lower carbon footprint, as the production of 2,400 kWh of electricity would result of nearly three tons of CO2 emissions.

The terms and conditions governing the use of ATMs (incl. any associated fees) will remain unchanged for clients of Komerční banka. Therefore, you can make cash withdrawals using your debit card from ATMs of MONETA Money Bank, Air Bank and UniCredit Bank free of charge.

Any cash withdrawals made with a credit card may be subject to a fee foreseen by the relevant credit card agreement.

Yes, similar ATM network sharing partnerships exist in a number of European countries, for example in the Netherlands, Belgium, Switzerland, or France where 3 large banks recently announced their plan to share their respective ATM networks, including Société Générale that is part of the same group as Komerční banka.

The shared ATM network with MONETA Money Bank is operational as of 1 June 2022. The shared ATM network of Air Bank and UniCredit Bank is operational newly from 1 February 2023.

We do business sustainably

See what else we are doing as a bank for a sustainable future.

More information