Czechia
activeNeobank
- HQ
- Prague
- Fee
- Often CZK 0 if you use the account — confirm live
MONETA Money Bank
CNB credit institution. Czech Financial Market Guarantee System. Listed. Not a 2019 neobank.
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7.4Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Credit institution — MONETA Money Bank, a.s. (ex GE Money Bank) (Czech National Bank / ECB). Still read the entity on the statement.
If it fails?
Czech Financial Market Guarantee System up to €100,000-equivalent per depositor per bank
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
Account packs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.4
/10 · Solid
MONETA Money Bank, a.s. is a Czech National Bank credit institution. Guarantee System up to €100,000-equivalent. Ex GE Money Bank, listed in Prague, PPF-adjacent on the register. Air Bank is PPF’s other digital bank — two files, two pots, do not double-count if group rules say so. N26 is German EdB. A Czech current account here is a bank current account.
What it is
Prague 4, Vyskočilova. Smart Banka is the app. Directories file it next to Revolut because both have black icons. Revolut is specialised-bank plus EMI. This is a Czech bank with 100+ branches and 500+ ATMs.
Best for: Czech residents who want a CNB bank with a digital front, not N26’s German IBAN.
Last checked 2026-08-30. Not advice.
What it does well
- +Named CNB bank
- +Guarantee System
- +Scale
- +Air Bank is the other Czech digital bank — different group
What to watch
- −Czech-resident
- −Branch network still exists — not a pure app
- −Pack fees
- −Directories say neobank
Who holds the money
The account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- MONETA Money 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 per bank
Who holds the money: MONETA Money Bank, a.s.
- Czech National Bank / ECBCredit institution — MONETA Money Bank, a.s. (ex GE Money Bank) · Czechia
Fees
- Monthly
- Account packs — confirm live
- FX markup
- Bank tariff — worldwide ATM pitch on some SKUs
- ATM
- Own ATMs free; worldwide pitch on some current SKUs — confirm live
- Interest
- Savings / mortgages — rates move
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Czech IBAN / current
- Smart Banka app
- Guarantee System €100k
- Listed
- Not Air Bank
Score
- Safety25%
- 8.6
- Fees20%
- 7.4
- Features15%
- 7.6
- App15%
- 8.0
- Global15%
- 4.6
- Support10%
- 7.0
Change log
Full logLicence
MONETA Money Bank, a.s. — CNB, Guarantee System
Ex GE Money Bank. Listed. Not Air Bank. Not a 2019 neobank.
Available in
Straight answers
FAQ
01Is MONETA Money Bank a bank?
MONETA Money Bank holds a banking-style licence (Czech National Bank / ECB). 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 per bank
03Where is MONETA Money Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with MONETA Money Bank.
04Card and wallets?
MONETA Money 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 MONETA Money 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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