Czechia
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
Air Bank
Czech CNB bank with a green slash. Koruna current account, real insurance.
Rate this app
7.3Solid
AlternativesOur take
Desk verdict
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.
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.
Air Bank lists Credit institution (Air Bank a.s.) under Czech National Bank in Czechia. On safeguarding we currently write: Czech Financial Market Guarantee System up to €100,000-equivalent per depositor. Holder / issuer line: Air Bank a.s.. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Often CZK 0 if you use the account — confirm live; FX Bank FX; not Wise; ATM Own + partner network. This desk would open it for: People who live in Czechia and want a CNB bank that feels like a phone.
What it does well: Full Czech bank; Deposit insurance; Genuinely good local app. What to watch: Czech-resident; Not a multi-country IBAN mill; FX is a bank desk. Desk score 7.3 / 10 (safety 8.4, fees 8.0, features 7.2, app 8.0). Last verified 2026-08-28. Headquartered in Prague, Czechia; founded 2011. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: People who live in Czechia and want a CNB bank that feels like a phone.
Pros
- +Full Czech bank
- +Deposit insurance
- +Genuinely good local app
- +PPF parent
Cons
- −Czech-resident
- −Not a multi-country IBAN mill
- −FX is a bank desk
- −Shops still exist
Account facts
- 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 it actually works
- Custody
- Bank balance
- Local rails
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Review risk
- Bank-grade; still not freeze-proof
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor
Holder / issuer: 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
FAQ
Is 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.
How is money protected?+–
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor
Where is Air Bank available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Air Bank.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
activeNeobank
- HQ
- Helsinki
- Fee
- Pack-dependent