365.bank

What 365.bank does

365.bank is a Slovakian digital-first retail bank founded in 2017 and headquartered in Bratislava, serving over 830,000 retail customers in Slovakia. The bank distributes products through digital channels (online and mobile) and a partnership with Slovak Post, which provides physical access points across the country, enabling a hybrid digital-physical reach that few pure-play digital banks in the region match. Core products are retail loans and mortgages, with the bank holding a meaningful share of the Slovak retail lending market.

The bank's technology infrastructure is built on Backbase's Engagement Banking platform, which provides digital sales and digital banking functionality, including onboarding, servicing, and origination workflows. The operating model is digital-native, with only 11-50 employees supporting the customer base, which reflects a low physical overhead relative to traditional branch-based incumbents. Revenue is generated through standard retail banking mechanics — net interest income on retail loans, mortgages, and related consumer financial products — and no specific pricing or fee schedule is publicly disclosed.

In January 2026, KBC Group completed the acquisition of a 98.45% stake in 365.bank from J&T Finance Group for EUR 708 million, following European Commission approval. Post-acquisition, 365.bank is initially operating separately from KBC's existing Slovak subsidiary ČSOB, with a planned legal and operational merger intended to create a combined entity commanding approximately 20% market share in net retail loans and mortgages in Slovakia. Leadership comprises CEO Andrej Zaťko and Chief Innovation Officer Martin Horvath. The combined acquisitions of 365.bank and Business Lease are expected to contribute EUR 261 million to KBC Group's total income in 2026.

Name

365.bank

Legal name

365.bank

Website

https://365.bank

Company type

Private

Founded year

2017

Operating status

Acquired

Headcount range

11–50 employees

Short description

365.bank is a Slovakian digital-first bank serving over 830,000 retail customers via digital channels and Slovak Post partnerships, offering loans and mortgages. Acquired by KBC Group for EUR 708 million in 2026, it will merge with ČSOB.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Digital Retail Banking (Online & Mobile) (FSABAAAF)

akta.pro secondary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Retail banking services
• Digital banking
• Consumer lending
• Mortgage loans
• Mobile banking

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Banking and Financial Services: As a digital bank, 365.bank generates revenue through traditional banking activities including net interest income from retail loans, mortgages, and other financial products. The acquisition by KBC Group positions the bank to contribute approximately €261 million to total income in 2026 as part of the combined entity.

Go-to-market motion1 record

Distribution channels2 records

Core offering

365.bank is a Slovakian digital bank that provides retail banking services including retail loans, mortgages, and other consumer financial products to over 830,000 customers in Slovakia. The bank operates through digital channels (online and mobile) and leverages a partnership with Slovak Post to provide physical access points across the country. It is built on Backbase's Engagement Banking platform and serves as a digital-first retail bank under J&T Finance Group's ownership, with KBC Group acquiring a 98.45% stake in January 2026.

Product overview

365.bank is a Slovakian digital bank that operates as a standalone digital banking platform. The company provides retail banking services including loans and mortgages to approximately 830,000 customers via digital channels and Slovak Post partnership network. Following its acquisition by KBC Group (January 2026), 365.bank will initially operate separately from KBC's existing Slovak subsidiary ČSOB before undergoing a planned legal and operational merger, creating a combined entity with approximately 20% market share in net retail loans and mortgages in Slovakia.

Differentiator

Problem solved

Functional benefit

Products and services

• 365.bank Digital Banking Platform A digital banking platform serving over 830,000 retail customers in Slovakia through digital channels and Slovak Post partnerships, offering retail loans, mortgage products, and other consumer banking services.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Slovak PostcoreChannel Partner/ Reseller/ DistributorSlovak Post serves as a key distribution partner for 365.bank, enabling the bank to reach customers through Slovak Post branches across Slovakia. This partnership provides physical presence alongside digital channels.
• ČSOB (Československá obchodná banka)coreStrategic or Co-development PartnerČSOB is KBC Group's existing Slovak subsidiary that will be merged with 365.bank. The combined entity will command approximately 20% market share in net retail loans and mortgages in Slovakia. The merger is planned as a legal and operational integration following KBC's acquisition of 365.bank.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Prima banka: Slovak retail and SME bank; comparable regional peer offering deposits, consumer loans, and mortgages to overlapping Slovak customer segments.

Others

• Backbase: The Engagement Banking Platform vendor powering 365.bank's digital layer; not a competitor but a closely tied technology enabler whose roadmap directly affects 365.bank's product capabilities.

Emerging players

• N26: European neobank operating across the EU including Slovakia; competes with 365.bank for digitally native retail customers seeking mobile-first banking and lower-fee accounts.
• Revolut: European digital-first bank with a Czech/Slovak user base and ECB banking license; competes with 365.bank for primary banking relationships via app-based accounts, payments, and consumer credit.

Direct peers

• ČSOB Slovakia: KBC Group's existing Slovak subsidiary and the planned merger counterparty for 365.bank; operates retail and SME banking in Slovakia on overlapping products and customers.
• Tatra banka: Top-three Slovak commercial bank offering retail loans, mortgages, and increasingly digital channels; directly competes with 365.bank for the same retail and mortgage customers in the Slovak market.
• Slovenská sporiteľňa: The largest retail bank in Slovakia and a subsidiary of Erste Group; directly competes with 365.bank/ČSOB in retail deposits, loans, and mortgages, and is the market share leader 365.bank's combined entity is chasing.
• Poštová banka: Slovak retail bank with a long-standing distribution relationship with Slovak Post — directly comparable to 365.bank's postal-partnership omni-channel model and a competitor for the same Slovak retail customers.
• mBank (Slovak branch): Digital-led retail bank with a Slovak branch, part of Poland's mBank Group (Commerzbank); one of the closest mobile-first retail banking competitors to 365.bank in the Slovak market.
• VÚB Banka: Universal bank owned by Intesa Sanpaolo, with a strong retail and mortgage franchise in Slovakia; a direct Slovak-market competitor for retail deposits and lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/365_bank
• Facebookfacebook.com/365.bank
• LinkedInlinkedin.com/company/365.bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 365.bank