Open Banking Specifics in Czech Republic
NB
Currently, Enable Banking does not provide its services to payment service users residing in Czech Republic. However, TPPs operating in Czech Republic can use Enable Banking API for integrating towards Czech banks.
# Authentication flows and SCA
Czech banks predominantly use redirect-based authorisation flows for Open Banking. During the authentication process, users are redirected to the bank’s online banking interface where they log in with their internet banking credentials. Some Czech banks support app-to-app redirection when the authorisation is initiated from a mobile device and the bank's app is installed, but this is not yet widespread.
# Major Banks (ASPSPs)
The most widely used Czech ASPSPs are:
Full list of banks (as per EBA) is available here (opens new window).
# Payment Specifics
All major Czech banks support domestic payments in CZK (Czech Koruna) via their Open Banking APIs. Additionally, most banks also support SEPA Credit Transfers (SCT) in EUR. Czech banks currently do not offer initiation of Instant SEPA Credit Transfers (SCT Inst) via their Open Banking APIs.
# Specifics per ASPSP
Below are some verified details for major banks operating in the Czech Republic.
# Česká spořitelna
After redirect to Česká spořitelna, users log in using their George Internet Banking credentials. SCA is completed via the George klíč mobile app or SMS OTP with a code confirmation. App-to-app redirection is not supported.
# ČSOB
ČSOB users authenticate with their ČSOB InternetBanking credentials. SCA is done via the ČSOB Smart Key app or hardware token.
# Komerční banka
Komerční banka provides a redirect-based flow. Authentication requires input of credentials and confirmation via the KB Klíč app.
# Raiffeisenbank
Raiffeisenbank uses redirect-based flows where users authenticate with online banking credentials and perform SCA through the Raiffeisen Mobilní eKonto app.
# MONETA Money Bank
Integration towards this bank is not yet supported by Enable Banking. If you are interested in integrating with this bank's Open Banking interface, please contact our tech support.
# Fio banka
Integration towards this bank is not yet supported by Enable Banking. If you are interested in integrating with this bank's Open Banking interface, please contact our tech support.