Cashless Payments

Offers a wide range of tools for making payments while maintaining security, simplicity, reliability, and speed. You do not have to withdraw cash from the account. Payment orders, collection orders, permission for collection, SIPO can be made in the standard way on the applicable CSOB forms or electronically through select electronic channels.

Payment Orders

A service intended for all clients for cashless payments via transfers from accounts. The benefit is a safe, simple, and reliable form of payment that will save you time and money. You can enter:

one-time orders (orders for a single payment to be made),
mass orders (a set of one-time payment orders from your account with a total financial amount given),
permanent payment orders (which ensure regularly repeating payments of the same amounts from your account to the credit of the account of the recipient).

Orders can be entered with a currency conversion and also can be made with foreign exchange resources.

Comfort Billing

The product is intended for all clients who make cash-free, CZK-denominated payments through our internet banking ČSOB InternetBanking 24. With it, you can pay your household expenses easily – by mere clicking on electronic documents (settlement, insurance premium and other) which are delivered directly to your internet banking. There, you can check them easily and pay without having to write relevant data on payment-order forms.

You can order Comfort Billing directly from service providers, which now also include ČSOB Pojišťovna and UPC Česká republika. We are now negotiating also with other interesting companies.

Comfort Billing brings the following advantages, in particular:

we provide it free of charge (you only pay a standard fee for the payment orders generated on the basis of provided documents),
it is the most comfortable manner of making payments,
you can handle documents at one place,
your documents are archived in internet banking for as long as 18 months.

Collection Orders

The service is intended for all clients who need to have required amounts deducted from the accounts of payers to the credit of their own account. Again, you can enter:

one-time orders (orders for a single payment to be made to your account),
mass orders (a set of one-time payment orders to your account with a total financial amount given), permanent orders (which ensure regularly repeating payments of the same amounts to your account from another account).

Permission for Collection

This involves allowing finances to be written off the account of a client to the credit of the account of a specific recipient on the assumption of there having been a mutual agreement. The service is beneficial for all clients who want to use cashless collection from their account to pay amounts that are not the same each month. The amount of the collection may be restricted by a limit.

Special offer:

For collections made by Telefónica O2 Czech Republic, a.s. (formerly Cesky Telecom, a.s.), no agreement has to be concluded between the payer and the company. We will inform Telefónica O2 of your permission ourselves.

SIPO

Centralised Collection of Resident Payments (SIPO) is a product of Ceska Posta. It is intended for citizens who want to replace all regular payments (rent, electricity, gas, telephone, radio, television) with a single cashless payment from their account.
Requests for initiation, changes, or cancellation of cashless SIPO payments from the account need only be submitted by the 20th day of the month, so as for the payment to be made/cancelled the next month.

The payment is made from your account:

on a working day before a the 15th calendar day of the month, provided the 15th of the month is a working day,
or on the second deadline, 1 working day before a the 23rd calendar day of the month, provided the 23rd of the month is a working day.

To take advantage of SIPO payments you must have an account with our bank. You must also know the connection code and the code of the Ceska Posta branch (shown on the SIPO document) If SIPO payments have already been set up with another financial institution, all you have to do is request that the service be set up at our branch, and you do not have to cancel the service in the original financial institution.

Pensions

A service intended for citizens receiving pensions from Czech Social Security Administration or the Social Security Department of the Ministry of the Interior, or who receive pensions from abroad. Pension payments are paid directly to an account, the owner of which is the recipient of the payout, or the spouse of the owner. Sending pension payments from abroad is a cashless transaction made to the account in the form of an insured letter (in any currency) or money order in CZK.

You can set up the service if you are a citizen who meets the following conditions:

you have an account at our bank,
through the “Application for the Establishment of Pension Payments by Remission to Account” confirmed by the bank the entire pension will be paid by cashless transfer,
you agree, that in the event of unauthorised transfer of the pension allowance to your account, the bank will transfer the amount back at the request of ČSSZ or OSZ MV.

Priority Payments

Allow you high priority for processing payment orders for amounts in Czech crowns to other financial institutions. The service is suitable for all clients who need to make a cashless payment quickly. In such cases the client's account is debited on the same day as the amount is credited to the account of the bank of the recipient. The payment request must be delivered to the bank on the day of payment by no later than 9:30 a.m. and the payment order must be labelled urgent. Priority payments can be made through CSOB Internetbanking 24 or BusinessBanking 24 by no later than 12 p.m. of the day of payment (or 10:30 a.m. for payments over 100 million CZK), for more details see Terms and Conditions for Account Maintenance and Payments .

We provide the service to all clients who meet the following conditions:

who have an account in CZK at our bank,
who make the payment upon prior agreement with the bank,
who pay the fee for priority payment pursuant to the CSOB Rate Book of Fees.

Basic Terms for Domestic Payments

Domestic payments in crowns: transfers made in CZK in the Czech Republic;
date of repayment: the day that funds are written off of the account of the mandator according to the authorisation of the mandator for the order;
date of effect of order: the day that the mandator has met all of the conditions for the order to take affect that have been stipulated by the bank, i.e. he has properly filled out the order, submitted a transfer order within the set deadline, and has ensured sufficient coverage for the payment on his account;
bank business day: a day upon which all banks that take part in making or intermediating transfers undertake their standard activities.

What is necessary to make a payment

In order for a payment to be successfully made, you must know the bank information of the fee payer and the recipient - the account number and the code of the bank or building savings institution. The following is also necessary for a payment to be made properly:

designate the amount and currency (with the Kc or CZK code);
designate the date upon which the payment order is issued (if it is not given, the date that the payment order is delivered to CSOB will apply);
signature agreeing with the specimen signature, or other verification key, if one has been contractually arranged;
the constant symbol is mandatory information only where payments to the credit or debit of the state budget are concerned, or if relevant legislation requires that the constant symbol be given The correct (mandatory) constant symbol is given by the authority or institution in question (for example tax administration) - the payment recipient. There are also generally non-mandatory constant symbols for payments.

Payment orders may also include other non-mandatory columns, such as:

a variable symbol (additional identification information - maximum 10 digit number with no hyphens or slashes);
a specific symbol (additional identification information - maximum 10 digit number with no hyphens or slashes);
the date of payment (it is not given, CSOB will give the bank working day following the day upon which the order is received by CSOB as the date of payment);
the AV field intended for any messages for the recipient and the mandator (maximum of 4 × 35 characters).

Codes of banks and building savings institutions in the Czech Republic

Bank code	Name of bank
0100	Komerční banka, a.s.
0300	Československá obchodní banka, a.s.
0600	GE Money Bank, a.s. (od 17. 1. 2005)
0710	Česká národní banka
0800	Česká spořitelna, a.s.
2010	Fio, družstevní záložna
2020	Bank of Tokyo-Mitsubishi UFJ (Holland) N.V. Prague Branch, organizační složka (od 7.5.2006)
2040	UNIBON – spořitelní a úvěrní družstvo
2050	WPB Capital, spořitelní družstvo (since 1. 4. 2008)
2070	Moravský Peněžní Ústav – spořitelní družstvo
2100	Českomoravská hypoteční banka, a.s.
2400	eBanka, a.s.
2600	Citibank Europe plc, organizační složka (převod podniku Citibank a.s. na Citibank Europe plc, organizační složka k 1.1.2008)
2700	UniCredit Bank Czech Republic, a.s. (fúze Živnostenské banky, a.s. a HVB Bank Czech Republic a.s. k 5.11.2007)
3500	ING Bank N.V.
4000	BAWAG International Bank CZ, a.s. (od 20. 10. 2004)
4300	Českomoravská záruční a rozvojová banka, a.s.
5000	CALYON BANK CZECH REPUBLIC, a.s. (od 10. 5. 2004)
5400	ABN AMRO Bank N.V.
5500	Raiffeisenbank, a.s.
5800	J & T Banka, a.s.
6000	PPF banka, a.s. (od 1. 9. 2004)
6100	IC Banka, a.s., Praha
6200	COMMERZBANK AG, pobočka Praha
6700	Všeobecná úvěrová banka, a.s., pobočka Praha
6800	Volksbank CZ, a.s.
7910	Deutsche Bank A.G. Filiale Prag
7940	Waldviertler Sparkasse von 1842
7950	Raiffeisen stavební spořitelna, a.s.
7960	Českomoravská stavební spořitelna, a.s.
7970	Wüstenrot – stavební spořitelna, a.s.
7980	Wüstenrot hypoteční banka, a.s., se sídlem v Praze
7990	Modrá pyramida stavební spořitelna, a.s. (od 1. 1. 2005)
8030	Raiffeisenbank im Stiftland Waldsassen eG, odštěpný závod Cheb
8040	Oberbank AG, pobočka Česká republika (od 1. 10. 2004)
8060	Stavební spořitelna České spořitelny, a.s. (změna názvu od 14. 9. 2001)
8070	HYPO stavební spořitelna, a.s.
8090	Česká exportní banka, a.s.
8150	HSBC Bank plc – pobočka Praha
8200	PRIVAT BANK AG der Raiffeisenlandesbank Oberösterreich v České republice

List of most frequently used constant symbols

Constant symbol
0008	payments for goods
0038	funds for wages
0058	fines, fees on arrears payment
0138	wage deductions
0168	payments on credit and loans
0308	fees for services
0408	payments for transportation
0558	other financial payments
0938	social security allowances
0968	other cashless payments
3558	payment of premiums to insurance companies

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