Kate Coin is our rewards programme available in the ČSOB Smart app. After logging in, just tap the Kate Coin tile on the home screen. You’ll immediately see an overview of your Kate Coins (KTC).

Please note: Kate Coins are not a cryptocurrency or "electronic money" as defined by law.

Kate Coins are digital 'coins' (KTC) that we reward you with for using our services or paying with our card at selected stores. You can then exchange your Kate Coins for money back into your account or a voucher.

Kate Coin is only available in the ČSOB Smart app. It is open to all personal customers aged 18 or over who have ČSOB Identity and have given their consent for their personal data to be used for marketing purposes.

If you have withdrawn this consent in the past but want to start using Kate Coins, just tap the Kate Coin tile in the app and you'll be prompted to give your consent again.

After using your Kate Coins, you can receive money back into your account or a voucher. 1 Kate Coin is always worth at least 1 CZK. For some rewards, it could be more. It depends on the specific offer in the ČSOB Smart app.

You don’t need a current account to earn Kate Coins. However, cash rewards can only be paid into a current account held with us. If you use the ČSOB Smart app without an account and want to claim a reward, you can open your account directly in the app. And you'll get Kate Coins for doing so!

Your current Kate Coin balance is shown on the Kate Coin tile in ČSOB Smart. Please note it may take a moment for the balance to update.

Kate Coins are credited once you've met the conditions. For purchases at partner stores, this happens once the payment has been posted, which is usually within two working days.

Taking longer than expected? Email us at infoKTC@csob.cz

You can exchange your Kate Coins for a voucher for a selected store. How to redeem it is always described in the offer and on the voucher itself.

Unfortunately, Kate Coins won’t be credited without activating the offer. However, you can activate it for future purchases and earn Kate Coins the next time you shop.

Look for the Activate button on the offer. Once you tap it, the offer becomes active and you can start earning Kate Coins.

1. Select a voucher in the ČSOB Smart app in the Kate Coin section, under the Rewards tab
2. Once you have enough Kate Coins, exchange them for a voucher by tapping the 'Get voucher' button
3. Your Kate Coins will be used and you'll find your voucher ready in the Vouchers tab

After tapping 'Get voucher', you'll find your voucher in the Vouchers tab.

You'll see how to redeem it when you tap on it; whether you're still choosing a reward or have already claimed your voucher.

Simply tap on the voucher and its expiry date will appear straight away.

If you don't redeem your voucher in time, it will unfortunately expire. That would be a shame — you'd also lose the Kate Coins you exchanged it for.

No. Once you've exchanged your Kate Coins for a voucher, you can't get them back.

We're sorry to hear that. The quickest help will come from the partner store where you want to redeem the voucher — they can verify the validity, terms and the code itself. Before contacting them, please check the expiry date and that you've entered the code correctly.

You can earn them for using our services or shopping with selected partners. You can find full details of how to earn them under the Earn tab in the Kate Coin section of the ČSOB Smart app.

In the ČSOB Smart app, tap the Kate Coin tile and go to the Rewards tab. You'll see all the rewards you can use your Kate Coins on.

Have you made your purchase? Once the payment is processed, you can easily claim your reward in the ČSOB Smart app (Kate Coin → Rewards) by tapping “Claim reward.” The money is usually credited to your account within a few hours.

Taking longer than expected? Email us at infoKTC@csob.cz.

No, Kate Coins cannot be transferred, gifted, or sent to anyone else.

No, you cannot purchase Kate Coins. You can only earn them through banking with us or shopping at partners.

No. You'll need to claim each reward yourself once the conditions are met.

Some rewards offer better value for your Kate Coins, so we leave it up to you to decide how to use them.

With the launch of the new programme, you can exchange your existing Kate Coins for rewards from us or any partner store.

You can reactivate it in the ČSOB Smart app. On the home screen, go to World of Benefits → Earn Kate Coins.

We’re sorry the programme isn’t for you. You can deactivate it by emailing your request to infoKTC@csob.cz.

If the wrong number of Kate Coins was credited, a reward wasn't credited to your current account, or you're unhappy with anything, please let us know at infoKTC@csob.cz.

A screenshot of the offer in question (please hide your balances first using the eye icon in the top right)

• Your Smart app version (found in Menu → ČSOB Smart → About the app)
• Your phone's operating system version (usually found in your phone's settings)
• The date you tried to use the offer

The easiest way is to email us at infoKTC@csob.cz.