If someone is pressuring you to make a quick decision or asking for information the bank never requests (passwords, PINs, codes), it could be fraud. If you find yourself in this situation, you can verify everything safely – either in person at a branch, by calling us at +420 495 800 111, or by requesting a callback in the Smart Application. During the call, you can also ask the bank employee to send a verification request to your Smart Key, so you don't have to share any sensitive information over the phone.

Our official reports are free of grammatical errors and come from the domains listed on our website. The bank will never ask you to enter your password via a link in a text or email.

If this happens, please contact us immediately at +420 495 800 111 and change your password. Reacting quickly allows us to work effectively with you to prevent the loss of your money. In general, there is a higher degree of certainty that you are actually sending your information to the bank when you use the app compared to a web browser. While Internet Banking is secure, it is what fraudsters primarily try to copy and fraud is more difficult to detect in these cases. Always access the bank using its official website (čsob.cz), not via search engines or links received in text messages and emails.

Malware slows down your device. Unfamiliar icons and excessive advertising appear and there is high data consumption. We recommend using antivirus software and installing apps only from official stores – Apple Store and Google Play.

Always check the HTTPS in the address and the correct site name (e.g. beware of the replacement of csob.cz with csoob.cz). Red flags are extremely low prices, missing contact details (IČO – Company ID number) or the inability to pay by card.

Yes. A fraudulent QR code can direct you to a fake payment gateway or download a virus to your phone. Only scan codes from trusted sources and always check where the link takes you in the app beforehand.

The first sign is suspicious activity, including notification of a password change you haven't made. You can check your data against databases like Have I Been Pwned and immediately change your passwords to strong and unique ones in the event of a leak. However, if you have any suspicions, always contact your bank at +420 495 800 111.

Yes. Biometrics are generally more secure than passwords because the data is stored directly in the secure chip of your device. For the highest security, we recommend combining biometrics with another element, such as a PIN.

It may be an attempt to engage you in money laundering. Do not send the money yourself and contact the bank immediately to have the situation safely investigated and resolved.

The safest option is a card in your mobile device (Apple Pay / Google Pay). When you pay, your actual card number isn’t used — instead, a security token linked to your specific device is used, and everything is protected by your fingerprint or face recognition. A plastic card is also safe, but the information on it can be copied more easily. That’s why we recommend using contactless payments whenever possible, as they are safer than inserting your card into a payment terminal or ATM.