Partners Banka

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.

Name

Partners Banka

Legal name

Partners Banka, a.s.

Website

https://www.partnersbanka.cz

Company type

Private

Founded year

2020

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

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

• Retail banking services
• Consumer lending
• Savings accounts
• Mortgage products
• Insurance brokerage

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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%)
2. Savings Account Interest Spread: Earn interest spread on savings deposits (3.2% p.a. to customers) versus lending rates to borrowers
3. 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)
4. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core 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.

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

One partnership is on record.

• Aukro.czminorGTM or Marketing Partner · 22 January 2026Czech 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

Direct 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

• Xx.com/PartnersBanka
• YouTubeyoutube.com/@PartnersBanka
• Facebookfacebook.com/partnersbanka
• LinkedInlinkedin.com/company/partnersbanka
• Instagraminstagram.com/partnersbanka

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Partners Banka