Czechia
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Air Bank
Czech CNB bank with a green slash. Koruna current account, real insurance.
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7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Credit institution (Air Bank a.s.) (Czech National Bank). Still read the entity on the statement.
If it fails?
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Often CZK 0 if you use the account — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
Air Bank is the Czech answer to ‘neobank’ that is actually a bank. Score it for a Prague salary. Do not score it as a travel wallet. N26 and Revolut are different legal objects.
What it is
Air Bank a.s. launched in 2011 inside PPF. CNB-licensed. Green slash, koruna current account, deposit insurance. It is what Czech directories mean by digital bank.
Best for: People who live in Czechia and want a CNB bank that feels like a phone.
Last checked 2026-08-28. Not advice.
What it does well
- +Full Czech bank
- +Deposit insurance
- +Genuinely good local app
- +PPF parent
What to watch
- −Czech-resident
- −Not a multi-country IBAN mill
- −FX is a bank desk
- −Shops still exist
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- CZK current account
- Partner bank
- Air Bank a.s.
- Minimum balance
- CZK 0
- Lowest monthly fee
- Often CZK 0 if you use the account
- Who can open
- Czech residents
- Availability
- Czechia
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Air Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor
Who holds the money: Air Bank a.s.
- Czech National BankCredit institution (Air Bank a.s.) · Czechia
Fees
- Monthly
- Often CZK 0 if you use the account — confirm live
- FX markup
- Bank FX; not Wise
- ATM
- Own + partner network
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- CZK current account
- CNB bank
- App + a few shops
- Cards
- Koruna-first
Score
- Safety25%
- 8.4
- Fees20%
- 8.0
- Features15%
- 7.2
- App15%
- 8.0
- Global15%
- 4.2
- Support10%
- 7.2
Change log
Full logLicence
Air Bank a.s. remains a CNB credit institution
PPF. Prague. Koruna current account with deposit insurance. Not N26.
Available in
Straight answers
FAQ
01Is Air Bank a bank?
Air Bank holds a banking-style licence (Czech National Bank). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor
03Where is Air Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Air Bank.
04Card and wallets?
Air Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Air Bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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