- Aktive Bank-Anbindungen
- 5
- Marktabdeckung
- 90%
- Aufsichtsbehorde
- CNB
- Wahrung
- CZK
The Czech retail market is dominated by three banks (Ceska sporitelna, KB, CSOB) which together hold roughly 60% of household current accounts.
The Czech National Bank operates a centralised credit register that aggregates exposure data across all major lenders.
Czech consumers transact in CZK, which Bank AI converts and normalises into your home currency for cross-border views.
Ceska sporitelna
Major retailCzech Republic's largest bank by customers, owned by Erste Group.
Komercni banka
Major retail and corporateMajor Czech bank, part of Societe Generale group.
CSOB
Major retail and corporateMajor Czech bank within the KBC group.
Raiffeisenbank Czech Republic
Retail bankCzech arm of the Raiffeisen banking group.
Air Bank
Direct bankDigital-first Czech retail bank within the PPF group.
Auch hier verfugbar: internationale Banken
Deine Bank fehlt?
Bank AI deckt deutlich mehr Institute ab als hier aufgefuhrt - inklusive Genossenschaftsbanken, Regionalbanken und reiner Online-Anbieter. Wenn deine Bank nicht dabei ist, schreib uns - wir bestatigen die Abdeckung.
1. Konten verbinden
Banken, Broker, Vorsorgekonten und Krypto-Wallets uber PSD2-lizenzierte Open-Banking-Partner anbinden - standardmassig nur lesend.
2. Gesamtbild sehen
Vermogen, monatlicher Cashflow, Ausgaben, Sparen, Investments und Krypto - in deiner Heimwahrung, automatisch aktualisiert.
3. Die KI uebernimmt das Heben
Kategorisierung, Anomalie-Warnungen, Sparprognosen und ein Chat, der deine Finanzfragen in Klartext beantwortet.
Czech National Bank (CNB)PSD2 (Czech implementation)
Account types we surface
Investicni ucet, podilove fondy
Pan-European brokers cover the ETF and equity layer; domestic brokerage at Komercni banka, Ceska sporitelna and CSOB is surfaced where the connector exposes positions via PSD2.
Brokers covered for Czech investors
- Trade Republic
- Saxo Bank
- Degiro
- eToro
Broker, Vermoegensplane und Krypto-Boersen mit Anbindung
Kuratierte Auswahl der wealth-faehigen Institute, die Bank AI in diesem Markt verbindet. Klicke eine Karte, um zu sehen, welche Positionen, Vorsorgehuellen und Steuerdaten Bank AI fuer den Anbieter ausliest.
Broker und Handelsplattformen(4)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
Krypto-Borsen und Wallets(5)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Investing in the Czech Republic - frequently asked questions
Which brokers does Bank AI support in the Czech Republic?
Pan-European brokers operating in the Czech Republic under EU passporting - Trade Republic, Saxo Bank, Degiro and eToro. Domestic brokerage at Komercni banka, Ceska sporitelna, CSOB and Moneta Money Bank is surfaced where the connector exposes wealth data via PSD2.
Is the Czech 3-year holding rule for capital gains tracked?
Bank AI shows the acquisition date and current value of each holding, so you can see whether a position is past the 3-year exemption threshold for individual investors. The actual tax filing is handled by your broker or in dedicated tax software.
Can I see CZK and EUR accounts together?
Yes. Czech CZK accounts at Komercni banka, Ceska sporitelna or CSOB live alongside EUR-denominated broker positions, with multi-currency totals computed live so your real net worth in CZK is always visible.
Is Bank AI regulated for Czech users?
Bank AI is a money app - not a bank. Account-information access is delivered by licensed Account Information Service Providers (AISPs) supervised by the CNB or another EU regulator and passported into the Czech Republic under PSD2.
Can I see cash, brokerage and crypto in one place?
Yes. Czech bank accounts plus your broker positions and crypto wallets (Coinbase, Bitpanda, Kraken) appear in a single multi-currency view, with the AI assistant reading across all of them.
| Bank AI | Other tools | |
|---|---|---|
| Multibank, landerubergreifend | Ja | Teilweise |
| KI-Assistent auf Basis echter Daten | Ja | Nein |
| EU-Datenresidenz, DSGVO standardmassig | Ja | Teilweise |
| Krypto-ready (in Vorbereitung) | Teilweise | Nein |
Which Czech banks are supported by Bank AI?
Bank AI covers the three big Czech banks - Ceska sporitelna, Komercni banka and CSOB - plus Raiffeisenbank Czech Republic and Air Bank. Czech connector coverage is currently 5 banks and will expand as additional licensed partners come online.
Does Bank AI handle CZK as well as EUR?
Yes. Bank AI normalises all multi-currency balances into your chosen home currency using daily ECB / market reference rates, while keeping the original CZK figure visible per account.
Is Bank AI regulated by the Czech National Bank?
Bank AI is not a Czech bank. AISP partners that hold permissions under PSD2 - either from the Czech National Bank or from an EU member state and passported into the Czech Republic - handle the account-information service layer.
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