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FAQ

Shares in Komerční banka

I am a shareholder of Komerční banka, what do I need for payout of a dividend?

Komerční banka, a.s. deliver to all shareholders notification on payment of dividends with instruction how to process the payment. After presentation of ID card on the Komerční banka branch in the Czech Republic, client can choose the form of dividend payment (cashless or cash transaction). Komerční banka, a.s., pobočka zahraničnej banky does not offer possibilities to dividend payments from shares of Komerční banka, a.s. in Czech Republic. According to Komerční banka statutes is not possible now to distribute dividends via Slovak Post. For further details please visit www.kb.cz or contact Business division Slovakia.

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Loans

Which loans do you offer for corporate clientele?

Komerční banka, a.s., pobočka zahraničnej banky 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, Export documentary Letter of Credit advance loan;
  • Overdraft on current account,
  • Revolving loan for current assets,
  • Discount loan and
  • Global credit line.

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

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Do you offer consumer loans?

Komerční banka, a.s., pobočka zahraničnej banky as a corporate bank is oriented to corporate clients and does not offer consumer loans.

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I am planning to purchase real estate. Can you provide me with information about the conditions for a mortgage loan from your bank?

Komerční banka, a.s., pobočka zahraničnej banky 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.

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Accounts

I am a corporate entity – national and I would like to open a current/term account in EUR or foreign currency. What will I need to do this?

Original or certified copy of a document confirming the legal status, not older than 3 months.

Companies registered in Companies or Trade Register of Slovak Republic have to submit the abstract from this register.

Persons that are not registered in the Commercial or Trade register SR have to submit another document justifying their legal status, it is civil associates, political parties and political stirring, sacral and religious corporations, spare-time legal associates, foundations, funds and other similar subjects - submit statute in which Ministry of Foreign Affairs of Slovakia confirmed registration of these subjects.

Further, the clients have to submit an Identity Card of member/members of the statutory body of the company (it means an Identity Card, a residence permit for a foreigner with the register of a permanent residence on the territory of Slovak Republic or passport).

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I am a corporate entity – foreigner and I would like to open a current/term account in EUR or foreign currency. What will I need to do this?

  • A document justifying the legal status, not older than 3 months (it means a document from the Companies Register or similar register in the country of the legal person residence) and containing the legal form, residence, register date, trade name of the legal person, denomination of the statutory body and the form of acting and signing on behalf of the company. If this document does not contain the identification and the signatures of statutory bodies, it is necessary to submit another documents (Articles of Association, Memorandum of Association, statutes) which declares it.

    On the basis of The acceptation of validated documents in SR the verification of public letters for using in SR is realized by special verification - Apostille. Contracting states does not demand with each other verification of public letters, for which is the acceptation valid to. The public letter is supplemented by verification delivered by competent authority of the state, which is letter from, with position directly on the letter or on its extension.

    If Slovakia has not concluded a Contract on legal support (with acceptation of validated documents) with the country of registered seat of the company the concerned documentation has to be super legalized by Ministry of Foreign Affairs of Slovakia and in case of doubt, Bank requires authorized translation to the Slovak language.

  • Identification of statutory body, i.e. identification card, passport or different document certifying identity with photography (e.g. driving license).

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I am an individual and I would like to open a current/term account in EUR or foreign currency. What will I need to do this?

Komerční banka, a.s., pobočka zahraničnej banky offers its services only legal entities, namely corporates with annual turnover more than 33 million EUR.

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How can I open an account?

The Bank shall open the account based on the client's personal attendance in Business division Slovakia or through your Relationship manager. Komerční banka, a.s., pobočka zahraničnej banky 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.

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Can I open an account in Komerční banka, a.s., pobočka zahraničnej banky, as Komerční banka is your owner?

On the basis of the fact, that both banks use different systems, it is not possible to open such account or enable any other services of Komerční banka in our business division. That is valid also by contraries.

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Can I manage my accounts, which I opened in Komerční banka in the Czech Republic, via Komerční banka, a.s., pobočka zahraničnej banky?

On the basis of the fact, that both banks use different systems, it is not possible to open such account or enable any other services of Komerční banka in our business division. That is valid also by contraries.

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In which currencies can I open current and term accounts in your bank?

Komerční banka, a.s., pobočka zahraničnej banky opens current accounts in domestic currency EUR, foreign currencies CZK and USD.

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What are the conditions for opening and management of accounts?

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:

  • Current accounts in EUR or foreign currency (CZK and USD), with the minimum balance of 170 EUR / 4,000 CZK / 140 USD
  • Term accounts in EUR with the minimum balance of 1.700 EUR / 40,000 CZK / 2,000 USD

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What is a frequency of current account statement issuing? May I download the statement from internet?

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

  • personal taking 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,

(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.

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When can I use the funds in my term account? Can I also do this via the Internet?

Komerční banka, a.s., pobočka zahraničnej banky 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 deposit is 30,- EUR, or its foreign currency equivalent.

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 Important information page.

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

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Do you offer special accounts for students and pensioners or deposit books?

Komerční banka, a.s., pobočka zahraničnej banky does not offer special accounts for students or retirees, also does not offer savings books. Komerční banka, a.s., pobočka zahraničnej banky is a corporate bank and is oriented to corporate clients and top corporations.

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Do you open anonymous accounts and joint accounts for several owners?

No, Komerční banka, a.s., pobočka zahraničnej banky does not offer these types of accounts.

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What are the fees for opening and cancellation of an account?

Komerční banka, a.s., pobočka zahraničnej banky offers for its Clients opening and cancelling of account without any charges.

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Payments

Can I make deposits and withdrawals in cash in your bank?

Komerční banka, a.s., pobočka zahraničnej banky terminated cash payment services.

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What is the deadline on working days for submission of a standard transfer order in person or electronically due on the same day?

Komerční banka, a.s., pobočka zahraničnej banky enables to its clients to present (also send by fax or e-mail) written 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.

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How long does a standard domestic transfer to an account in another bank take? Is it possible to influence this time?

Komerční banka, a.s., pobočka zahraničnej banky 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 the beneficiary bank. That means a standard domestic payment transaction takes 2 work days.
Komerční banka, a.s., pobočka zahraničnej banky 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.

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A client from abroad will be sending me money. What is required for implementation of the payment?

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

  • the account number of the recipient in the bank of the recipient (for payments in EU is requested the IBAN 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 Komerční banka, a.s., pobočka zahraničnej banky'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.

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Can I send funds in EUR to an account abroad subject to advantageous conditions?

Yes, Komerční banka, a.s., pobočka zahraničnej banky enables to realize foreign standard/express payment up to 50.000 EUR to countries of The European economic area (herein "EEA") by presenting the payment order personally in Business division Slovakia 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.

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I am a client of your bank and am planning to send funds by means of foreign transfer to a client in Komerční banka in the Czech Republic. Are there any advantages for me due to your ownership connection?

Yes, Komerční banka, a.s., pobočka zahraničnej banky realize every incoming payment from Client of Komerční banka and outgoing payment (to Client of Komerční banka) with advantaged charges.
In the case of urgent foreign payment in favour of Komerční banka Client, the bank defined a charge much lower in comparison with foreign payment in favour of other bank Client.

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Direct banking

What type of account can I establish the electronic banking service for?

Komerční banka, a.s., pobočka zahraničnej banky 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.

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How can I operate my current accounts?

Komerční banka, a.s., pobočka zahraničnej banky offers these 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.

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How is the Internetbanking service secured?

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.

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How long does issuance of an authentication calculator take and where can I get it?

Komerční banka, a.s., pobočka zahraničnej banky 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.

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I am interested in electronic banking services. How should I proceed?

If you have an current account opened in our bank, you can visit Business division Slovakia and ask for arranging one of the form of electronic banking services that our bank offers - Internet banking or Home banking. You can ask for more information about usage of these services our employees in the business division by telephone or by visiting Business division Slovakia personally.
Komerční banka, a.s., pobočka zahraničnej banky 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.

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Until when will Home banking and Internet banking work?

Home banking and Internet banking will be fully functional until the end of 2011, in exceptional cases until 31. 3. 2012, in that current electronic banking services will be shut down on 31. 3. 2012. After this date, it will not be possible to connect to OFL, only Profibanka will be functional.

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Cards

Which types of payment cards do you offer?

Komerční banka, a.s., pobočka zahraničnej banky offers 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.

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Which limits do you offer for payment cards? Is the limit set by the bank or me as the client?

Komerční banka, a.s., pobočka zahraničnej banky 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.

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ATMs

Where are your ATMs located?

Komerční banka, a.s., pobočka zahraničnej banky does not have any own ATMs. Our clients can use all ATMs inland and abroad for the same charge.

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Bureaux de change

In which currencies do you offer currency exchange services?

Komerční banka, a.s., pobočka zahraničnej banky terminated exchange office services.

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Important links

Contact Us

0800 118 100

BIC / SWIFT code: KOMBSKBAXXX
(KOMBSKBA)


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