Partners Banka
Partners Banka is a Czech digital-first retail bank offering fee-free current accounts, savings, mortgages, loans, investments, and insurance to individuals, couples, and families through a mobile app, 175 branches, and a 2,300-strong financial advisor network.
- Company typePrivate
- Founded2024
- HeadquartersPrague, Czechia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Partners Banka does
Partners Banka is a Czech digital bank founded in 2024 and headquartered in Prague that delivers fee-free retail banking — current accounts, savings, mortgages, loans, investments, and insurance — to individuals, couples, and families in the Czech Republic. It distributes through a mobile-first platform supported by 175 physical branches and a network of 2,300+ financial advisors operated by its sister company, Partners Financial Services, reaching approximately 174,000 customers within roughly two years of launch. The bank self-describes as Czech-owned and bootstrapped, and is positioned as an alternative to traditional incumbents through bundled subscription packages (Pro jednoho, Pro dva, Pro rodinu) and zero base fees.
Partners Banka firmographics
Firmographics- Name
- Partners Banka
- Legal name
- Partners Banka, a.s.
- Website
- https://partnersbanka.cz
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Partners Banka is a Czech digital-first retail bank offering fee-free current accounts, savings, mortgages, loans, investments, and insurance to individuals, couples, and families through a mobile app, 175 branches, and a 2,300-strong financial advisor network.
- Ownership category
- akta.pro rank
Partners Banka industry classification
Industry- Product category
- Retail Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
- akta.pro secondary industry
- Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)
Keywords
Where Partners Banka is headquartered
LocationHeadquarters
- HQ city
- Prague
- HQ country
- Czechia
- HQ region
- Europe
Offices2 records
Markets served
Partners Banka business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: Revenue from mortgage products, home loans, and personal loans including the new Půjčka na bydlení PLUS (unsecured loan up to 3 million CZK, 25-year term, starting at 5.59%)
- Savings Account Interest Spread: Earn interest spread on savings deposits (3.2% p.a. to customers) versus lending rates to borrowers
- Financial Advisory Cross-Sell: Revenue from insurance, investments, and other financial products distributed through the advisor network (cross-sell from sister company Partners Financial Services)
- Package and Account Fees (Currently Waived): Standard banking fees currently offered free (0 Kč/month for all package tiers), with future monetization potential
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Pro jednoho (Individual Package) - Free account with all essential banking features |
| Subscription | Monthly | Pro dva (Couples Package) - Shared account for two equal partners |
| Subscription | Monthly | Pro rodinu (Family Package) - Account package for families with children |
| Subscription | Monthly | Savings Account |
| Unit Pricing | Pay-as-you-go | Půjčka na bydlení PLUS (Home Loan) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Partners Banka product offering
Product offeringCore offering
Partners Banka is a Czech digital retail bank delivering fee-free current accounts, savings accounts paying 3.2% p.a. interest, mortgages and unsecured home loans, investment products, and insurance brokering, packaged into subscription bundles (Pro jednoho, Pro dva, Pro rodinu) for individuals, couples, and families. Core activities are interest income from lending and savings spreads, cross-selling of insurance and investments through a 2,300-strong financial advisor network, and a multi-currency account serving clients with cross-border payment needs.
Product overview
Partners Banka is a Czech digital bank offering a unified financial services platform that bundles current accounts, savings, investments, mortgages, loans, and insurance into subscription packages (Pro jednoho, Pro dva, Pro rodinu) accessible via a primary mobile banking application and a companion children's app. The bank supplements its digital-first offering with personal financial advisory through the affiliated Partners Financial Services network. Core products include fee-free current accounts, savings accounts with 3.2% p.a. interest, a multi-currency account (supporting up to 15 currencies), mortgage products, unsecured home loans (Půjčka na bydlení PLUS), general loans, insurance brokering, and annual travel insurance. All services are accessible and managed through the mobile application, which also provides an aggregated overview of financial products held with external providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Běžné účty (Current Accounts) Fee-free current accounts for Czech consumers, offered in individual, couple, and family bundle packages. Accounts include a Czech-koruna current account with no fees for opening, maintenance, closure, or transactions, plus physical and virtual debit cards, Apple Pay / Google Pay / Garmin Pay, domestic payments, and unlimited ATM withdrawals.
- Spořicí účty (Savings Accounts) Savings accounts paying a uniform 3.2% p.a. interest rate applied to every deposited koruna without artificial limits or conditions and without fees, intended for Czech retail customers seeking liquid, high-rate deposit storage.
- Investice (Investments) Investment platform giving retail clients access to financial instruments from across the broader Czech market rather than confining them to the bank's own products, managed and viewed inside the Partners mobile app.
- Hypotéky (Mortgages) Mortgage products for Czech consumers purchasing or refinancing residential real estate, with free extra repayments and free early repayment included as standard features.
- Půjčka na bydlení PLUS (Home Loan PLUS) Unsecured loan for housing purposes of up to CZK 3 million with repayment terms up to 25 years, requiring no property collateral, priced from 5.59%, targeted at Czech retail customers needing larger sums for housing-related investment.
- Půjčky (Loans) General-purpose personal loan products for Czech retail customers, with bank advisors helping clients configure repayment schedules to suit their financial capacity.
- Pojištění (Insurance) Insurance brokering service covering life, home, and auto insurance for Czech retail clients, with Partners advisors selecting the optimal coverage available on the wider market rather than only proprietary products.
- Cestovní pojištění (Travel Insurance) Annual travel insurance product that Czech retail clients can arrange directly inside the Partners Banka mobile app, complementing the broader insurance-brokerage offering with ongoing (rather than per-trip) coverage.
- Účet multiměnový (Multi-Currency Account) Multi-currency account feature allowing Czech clients to hold up to 15 currencies on a single account, converting card payments abroad at the fixed ECB reference rate without markup, and targeted at consumers with cross-border payment and FX needs.
- Mobilní aplikace Partners (Partners Mobile Banking App) Primary mobile banking app that consolidates all of a customer's finances — current and savings accounts, investments, mortgages, and insurance, including products held with other providers — into a single secure interface supporting comparison and purchase of additional financial products.
- Dětská aplikace (Children's App) Dedicated mobile banking app for children with a companion parent interface, featuring gamified financial literacy, allowance management, and task tracking that supports children's path toward financial independence.
- Poradenství (Financial Advisory) Independent financial advisory delivered through the affiliated Partners Financial Services network of more than 2,300 advisors, providing clients with long-term, market-wide financial planning and product recommendations rather than proprietary-only sales.
- Bankovní identita (Bank Identity) Digital banking identity service that lets clients verify their identity online and access third-party services such as opening accounts at other Czech banks, filing tax returns, registering with betting companies, and creating data mailboxes.
Companies that use Partners Banka
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Partners Banka technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Partners Banka partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Aukro.czminorCzech marketplace Aukro.cz partnered with Partners Banka for a cashback promotion campaign offering bank clients up to CZK 500 (approximately $24) on purchases made through Aukro. The campaign runs from January 22 to May 31, 2026, aiming to boost platform usage and engagement.
Scale indicators5 records
Recent moves6 records
Expansion highlights7 records
Partners Banka competitors and assessment
Company assessmentDirect peers
- Revolut: Global fintech offering multi-currency accounts and consumer banking products. Explicitly named by Partners Banka as the target competitor for its new multi-currency account feature.
- Wise: Cross-border payments and multi-currency fintech. Comparable on the multi-currency and low-fx-markup value proposition Partners Banka is launching to compete with Revolut and Wise-style services.
- Air Bank: Czech digital-first challenger bank offering fee-free accounts, savings, and mortgages. The closest direct competitor to Partners Banka in terms of digital-led customer acquisition and zero-fee positioning, targeting the same Czech retail segments.
- Fio banka: Czech bank with strong retail and trading franchises, known for digital account opening and competitive savings rates. Comparable as a domestic challenger with a digitally-led retail proposition.
- Moneta Money Bank: Czech digital-leaning bank offering current accounts, savings, and loans. Comparable as a publicly-listed Czech retail bank competing in the same account/savings/mortgage segments Partners Banka is targeting.
Broad incumbents
- Komerční banka: One of the largest Czech commercial banks offering current accounts, mortgages, and savings. Comparable to Partners Banka as a domestic full-service retail bank competing for the same Czech consumer wallet, though vastly larger and with established branch and digital infrastructure.
- Česká spořitelna: Czech savings bank and Erste Group subsidiary with the country's largest branch network. Directly comparable as a Czech retail banking incumbent offering current accounts, savings, mortgages, and increasingly digital services.
- ČSOB: Major Czech universal bank (KBC Group) offering full retail and commercial banking. Comparable as a Czech incumbent competing for the same household banking relationships Partners Banka is pursuing.
Others
- Partners Financial Services: Sister company and primary distribution channel for Partners Banka through its 2,300+ advisor network. Not a competitor but a critical adjacent ecosystem player whose relationship directly drives Partners Banka's acquisition and cross-sell economics.
Regional players
- mBank: Polish-headquartered digital bank with a Czech subsidiary offering current accounts, savings, and loans. Comparable as a digitally-led foreign retail bank competing in the Czech market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Partners Banka social profiles
Digital presencePartners Banka compliance and trust
Trust signalCompliance1 record
Partners Banka financial estimates
Financial estimateRevenue estimate
Valuation estimate
Partners Banka leadership team
Management profileNumber of profiles
Profiles10 records
Partners Banka funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Partners Banka M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Partners Banka
What does Partners Banka do?
Partners Banka is a Czech digital retail bank delivering fee-free current accounts, savings accounts paying 3.2% p.a. interest, mortgages and unsecured home loans, investment products, and insurance brokering, packaged into subscription bundles (Pro jednoho, Pro dva, Pro rodinu) for individuals, couples, and families. Core activities are interest income from lending and savings spreads, cross-selling of insurance and investments through a 2,300-strong financial advisor network, and a multi-currency account serving clients with cross-border payment needs.
Is Partners Banka a public or private company?
Partners Banka is a private company. It is classified as unknown and is currently operating.
When was Partners Banka founded?
Partners Banka was founded in 2024. It employs 11 to 50 people.
Where is Partners Banka based?
Partners Banka is headquartered in Prague, Czechia, in the Europe region.
How does Partners Banka make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are savings Account Interest Spread, financial Advisory Cross-Sell and package and Account Fees (Currently Waived).
Who are Partners Banka's main competitors?
Direct peers on record are Revolut, Wise, Air Bank, Fio banka and Moneta Money Bank. Broad incumbents are Komerční banka, Česká spořitelna and ČSOB. Partners Financial Services is listed as an others. mBank is listed as a regional player.
Does Partners Banka have an API?
Yes. Partners Banka operates a public-facing Open Banking API compliant with PSD2 (Payment Services Directive 2), enabling third-party providers to access account information and initiate payments. The API is accessible at https://psd2.partnersbanka.cz. Developer documentation is at psd2.partnersbanka.cz.
What industry is Partners Banka in?
Partners Banka's product category is Retail Banking. Its primary akta.pro industry code is FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment), with a secondary code of FSABALAE, Deposit Operations (Account Maintenance, Fees, Reconciliations). Its NAICS code is 5221 and its SIC code is 6021.