1 - Current and Term Accounts
2 - System of cash payment
3 - Exchange office services
4 - System of cashless payment
5 - Foreign payment system
6 - Payment cards
7 - Electronic banking
8 - Loans
9 - KB Bratislava business centres
10 - Shares of Komerční banka, a. s.

For opening of your account in Komerční banka Bratislava you would need, if you are:

The Bank shall open an account based on the client’s personal attendance in whichever KB Bratislava business center (in Bratislava, Banská Bystrica, Žilina or in Košice). KB Bratislava is prepared to open such account remotely to the client of Komerční Banka, a.s. in Czech republic, through his relationship manager in Komerční banka.

KB Bratislava is 100% daughter company of Komerční banka, i.e. KB Bratislava is not its branch. On the basis of this fact, it is not possible to open such account or enable any other services of Komerční banka in our business centers.

KB Bratislava is 100% daughter company of Komerční banka, i.e. KB Bratislava is not its branch. On the basis of this fact, it is not possible to offer this kind of services to Komerční banka’s clients. The same goes for the, KB Bratislava clients who can not dispose with their accounts in Komerční banka.

Komerční banka Bratislava opens current and term accounts in domestic currency EUR and foreign currencies CZK and USD.

The condition for opening an account is a minimal deposit on the account. The current account balance should not be lower than minimum balance specified by the Bank. Minimum deposit and minimum balance on the current account should be identical. The amounts of minimal deposits are following according to the type of the account:

* using conversion rate 1 EUR = 30,1260 SKK

Paper statements of current accounts are generated automatically by the Bank. Client can choose the way of statement receiving :

• personal taking at business centre or
• sending the statement by mail to designated permanent address (or to correspondent address defined by the client).

The frequency of statement issuing is :

• daily upon account movement,
• weekly,
• monthly,
• quarterly (valid only for legal persons)
• yearly (valid only for legal persons)

(see Price list for fees).

Electronic statements issued by Internetbanking are not usable for legal purposes as the form is not same as in the paper statement.

KB Bratislava offers term accounts with non recurring maturity, or with automatic renewals of the deposit. In case of non recurring maturity, client can dispose with the funds in a maturity date. client, who has term account with automatic renewals of the deposit can reduce or increase the funds in a deposit renewal date. Minimum sum of cash deposit is 30,- EUR (903,78 SKK*), or its foreign currency equivalent. In case the deposit maturity day falls on a day that is not a Business Day, the deposit (including any interest paid on it) may be withdrawn in cash on the nearest subsequent Business Day.

Client can realize premature withdrawal from term account - out of renewal date (except term account with maturity of 7 days). The Bank shall be entitled to charge the premature withdrawal fee and other fees related to the early withdrawal. You can find more details in "Terms and Conditions for Opening and Maintaining Term Accounts" document at http://www.koba.sk/en/inf/legal_information.shtml.

There is no possibility to dispose with deposit on term account through electronic banking.

KB Bratislava does not offer special accounts for students or retirees, also does not offer savings books. KB Bratislava is a corporate bank and is oriented to corporate clients.

No, KB Bratislava does not offer these types of accounts.

KB Bratislava offers for its clients opening, maintaining and canceling of account free of charge.

KB Bratislava offers its products and services through 4 business centers, but system of cash payment is realized in 3 of them, namely in Bratislava, Banská Bystrica and Košice.

Business center Žilina actually works in cashless mode.

Yes, client is owed to notify the Bank with cash withdrawal bigger then 3.350 EUR (100.922,10,- SKK*), or conversion to the foreign currency in which Client will withdraw the cash, at least 2 work days in advance.

* using conversion rate 1 EUR = 30,1260 SKK

Only like a foreign payment from client’s current account maintained in KB Bratislava. KB Bratislava is 100% daughter company of Komerční banka, i.e. KB Bratislava is not its branch. KB Bratislava uses different bank systems which do not enable to handle such a kind of cash deposit, but they enable to realize the transaction like foreign payment from the current account maintained in KB Bratislava.

KB Bratislava offers exchange office services in currencies CZK and USD according to license granted by NBS and valid legislation. Currency rates are listed in Currency Rates List (bank halls or internet pages). Individual rates for the clients are granted separately according to the interbank rates. Fees for such services are listed in the Price list.

Starting February 16, 2005 KB Bratislava offers currency exchange services only in bank hall in Bratislava.

KB Bratislava enables to its clients to present standard payment orders at latest to the end of business centers opening hours - i.e. to 4 pm. In the case of presenting payment order made by electronic banking the Bank can accept it to 4.30 pm.

KB Bratislava handles domestic payment order with maturity in same day so that all money are received on another bank account following work day. A date of receiving transfer to client's account in another bank depends on rules of that bank. That means a  standard domestic payment transaction takes 2 work days.
KB Bratislava offers also express payments which are handled within a work day if client presents the payment order at latest to 2 pm of maturity day.

For the realization of a payment order you need to fill in as follows:

• the account number of the recipient in the bank of the recipient IBAN and BIC or bank connection in format of account number and bank code,
• the recipient's name or title
• the recipient's address.

Further, you need to write in detail the bank's specifications, which is its official name and address of the branch where the account is opened. You must also mention your bank's SWIFT code (i.e. BIC code), which is KOMB SK BA and KB Bratislava's routing code 8100. You can check the account number in IBAN format with our employees at the branches. For more information about the domestic and international payment system, please, see the product lists on our web site.

Yes, KB Bratislava enables to realize foreign standard/express payment up to 50.000 EUR (1.506.300 SKK*) to countries of The European economic area (herein "EEA") by presenting the payment order personally in business centre or electronically with shared charges “SHA” – so complies with the criteria for specially regulated transfers, charged by the bank like a standard domestic payment. Foreign urgent payment, which complies with the criteria for specially regulated transfers, is charged like a domestic express payment.

* using conversion rate 1 EUR = 30,1260 SKK

Yes, KB Bratislava realize every incoming payment (from client of Komerční banka) and outgoing payment (to client of Komerční banka) without any charges.
In case of urgent foreign payment in favour of Komerční banka’s client, the Bank defined a charge much lower in comparison with foreign payment in favour of other bank client.

KB Bratislava offers private and business debit payment cards to Current Accounts in EUR, issued by MasterCard company.
These cards are usable for cash withdrawal from ATM in inland and abroad, cash withdrawal in exchange offices and bank branches (receiving MasterCard cards), cashless payments for products or services through POS-terminal and also cashless payments through internet.

KB Bratislava does not have any own ATMs. Our clients can use all ATMs inland and abroad for the same charge.

KB Bratislava offers to client a possibility to choose from 4 to 5 limit types (according to the type of payment card) valid in currency CZK and defined weekly.

KB Bratislava offers electronic banking services to bank accounts in domestic currency EUR and also foreign ones CZK and USD.
The main condition of using services from foreign bank account is establishing the electronic banking to domestic bank account in EUR.

Komerční banka Bratislava offers four different types of the electronic banking.
Internetbanking and Homebanking will allow you to operate your accounts easily over the internet passively and actively, where you have the possibility to monitor your account balance, operations on the account, realize domestic and foreign payments and monitor your account statements. The services are available 24 hours a day.
Mailbanking and GSMbanking will allow you to operate your accounts passively by e-mail messages (Mail banking) or by your mobile phone (GSM banking) where you have the possibility to monitor your account balance in Slovakia and abroad and the services are available 24 hours a day.
Completed functions review of services you can find in section Accounts and Payment services/Direct banking.

All the information related to the security of Internetbanking, you can find at https://ebanking.koba.sk/index_en.htm - section Client-side Security and Bank-side Security.

KB Bratislava will send you or hand you the calculator on personally in the Bank after completion of all administrative terms (signature of contract documents) and consignation of minimal deposit to current account, for which Internetbanking is established.

If you have an current account opened in our bank, you can visit one of our branches and ask for arranging one of the form of electronic banking services that our bank offers- Internet banking, Home banking, Mail banking or GSM banking. You can ask for more information about usage of these services our employees in the branches by telephone or by visiting our branches personally.
KB Bratislava is prepared to arrange these services remotely to client, which is also the client of Komerční Banka, a.s. in Czech republic, through his bank consultant in Komerční banka.

Komerční banka Bratislava offers the following loans of Corporate financing:

• Installment loans - Loan for current assets, Investment loan, Project financing with support from the EU SF - Ponte program, Loan for purchase of shares or ownership interest, Loan for operational and investment needs, Loan for a temporary shortage in fund, Loan for export support, Export documentary Letter of Credit advance loan;
• Overdraft on current account,
• Revolving loan for current assets,
• Credit line,
• Discount loan a
• Global credit line.

For more detailed information, please, visit the section of "Corporate financing" on our website or contact the employees of our business centers.

Komerční banka Bratislava as a corporate bank is oriented to corporate clients and does not offer consumer loans.

Komerční banka Bratislava does not offer mortgage loans to retail clients for living usage, but we offer many types of loans that you can finance real estate as a corporate client.

KB Bratislava has its business centers located in Bratislava, Banská Bystrica, Košice and Žilina.
Business centre in Žilina actually works in cashless mode.

All information about KB Bratislava business centers are placed in section Contact/ KB Bratislava business centers.

The opening hours of Komerční banka Bratislava business centers are Monday - Friday from 8 am to 4 pm.

Our mother company, Komerční banka, a.s., delivers to all shareholders a notification of dividend payout with instructions how to process the payout. After presentation of ID card in the Komerční banka branch in the Czech Republic, client can choose the form of dividend payout (cashless or cash transaction). KB Bratislava is not a branch of Komerční banka, but a independent legal subject in Slovak Republic, and therefore these operations are not accessible through business centers of KB Bratislava. According to KB statutes, is not possible to distribute dividends via Slovak Post. For further details please visit www.kb.cz or contact our branches.