We share ATMs with three banks

Cash withdrawals from MONETA Money Bank, Air Bank and UniCredit Bank ATMs are free of charge for Komerční banka’s clients. This applies to withdrawals with debit cards, including business cards.

With KB’s credit cards, cash withdrawals from MONETA Money Bank, Air Bank, and UniCredit Bank ATMs are subject to the same conditions as those applicable to cash withdrawals from KB’s 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.

Withdrawing cash from MONETA Money Bank, Air Bank, and UniCredit Bank ATMs is the same as using KB’s ATM network. Therefore, clients can still benefit from two free cash withdrawals from third-party ATMs in the Czech Republic and selected European countries.

We will move redundant ATMs (i.e., shared ATMs that are close to each other in a single place, such as shopping centres) to places where none of the banks has an ATM, thereby enhancing comfort for clients in such areas.

Moreover, ATM sharing will help to cut energy demand and other costs required to operate separate ATM networks (e.g., ATM cash supply and maintenance costs). The project will also help to reduce all participating banks’ carbon footprint. Consequently, we will be a step closer to doing business sustainably.

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

Savings are not the primary objective of this project. Enhancing comfort for clients, improving ATM availability outside city centres, and more sustainable operation of ATM networks are the objectives for all participating banks.

When talking about savings in this context, we mainly refer to those related to sustainability and environmental friendliness.

Average annual costs of ATM operation depend on a number of factors, such as the ATM type (cash withdrawals only, deposits, or recycling) and the rent in the location. However, in general, the costs amount up to CZK 500,000/year (incl. VAT).

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 supply, control computer, touchscreen, data connectivity and security components, lighting, etc.), electricity is also needed to run the drives of its mechanicals during each transaction. Equally importantly, ATMs also contain integrated heating that ensures a stable operating temperature and their full serviceability in cold periods, in particular in the case of outdoor ATMs installed in wall recesses.

The ATM network sharing project therefore brings significant energy savings and carbon footprint reductions, since the generation of 2,400 kWh of electricity produces almost one tonne of CO₂.

The conditions governing the use of ATMs (including any fees) remain unchanged for Komerční banka’s clients. Therefore, you can use your debit card to withdraw cash from MONETA Money Bank, Air Bank and UniCredit Bank ATMs free of charge.

Cash withdrawals with a credit card may be subject to a charge under your credit card agreement.

Yes, similar ATM network sharing partnerships exist in a number of European countries, for example, in the Netherlands, Belgium, Switzerland, and also France where three major French banks have announced their plan to share their respective ATM networks, including Société Générale into whose group Komerční banka belongs.