Bankovní identita

What Bankovní identita does

Bankovní identita, a.s. (operating as Bank iD) is a Czech digital identity middleware platform founded in 2020 and headquartered in Prague. The company operates a B2B platform that connects Service Providers (SeP)—including businesses, government institutions, healthcare providers, and e-commerce platforms—with 11 Czech banks that serve as Identity Providers (IdP). Users authenticate and verify their identity using their existing internet banking credentials, enabling password-free access to government portals, commercial services, and electronic document signing. The platform is built on OpenID Connect and OAuth 2.0 standards, exposing REST APIs with JWT encryption (ES512/PS512), mutual TLS, and TLS 1.3 security. It operates under Czech banking law (Section 38aa of Act No. 21/1992 Coll.), giving it a licensed regulatory position.

The product portfolio includes the core Bank iD authentication and KYC/AML verification service, Bank iD SIGN for guaranteed electronic signatures, QSIGN for qualified electronic signatures via a Certifikační autorita (Certification Authority), Podepis Bank iD (web-based signing portal), AML identification service, and age verification service. The platform provides bank-verified personal data including name, birthdate, address, ID documents, nationality, and legal status, supporting KYC/AML compliance for regulated industries.

Revenue is generated through transaction-based API access fees charged to Service Providers, with electronic signature services as a secondary revenue stream. The service is free for end users (individuals). Customer acquisition is driven through a developer portal with sandbox environment, direct enterprise sales, and government sector partnerships. The company employs 11-50 people and operates exclusively in the Czech Republic.

Name

Bankovní identita

Legal name

Bankovní identita, a.s.

Website

https://bankid.cz

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Bankovní identita (Bank iD) operates a Czech digital identity middleware platform connecting 11 Czech banks as identity providers with service providers and government institutions, enabling secure authentication, KYC verification, and electronic document signing via OpenID Connect APIs.

Ownership category

akta.pro rank

Product category

Digital Identity Verification

NAICS

Investigation and Personal Background Check Services (561611)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Authentication (MFA/Passwordless/Biometrics) Platforms (BPAMAEAE)

akta.pro secondary industries

Data, Evidence & Document Verification (IDV) for KYC (FSAMAMAN), Identity Verification & Proofing (IDV, KYC, Biometrics) (HDADAAAF), Identity & Authentication for Open Banking (SCA support, token exchange) (FSAGACAF)

Keywords

• Digital identity verification
• Banking identity API
• Electronic signature services
• KYC compliance platform
• OpenID Connect middleware

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Service Provider API Access Fees: Bank iD charges service providers (businesses, government institutions) for access to its authentication and identity verification APIs. Service providers integrate via OpenID Connect and REST APIs. Pricing for businesses is published in the 'Ceník pro firmy' (pricing for companies) document. The service is free for end users (individuals) who use bank identity for login and signing.
2. Electronic Signature Services: Revenue is generated from electronic document signing services (Bank iD SIGN and QSIGN) used by service providers who need qualified electronic signatures integrated into their workflows (e.g., HR, contracts, government filings).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Bankovní identita operates Bank iD, a digital identity middleware platform built on OpenID Connect and OAuth 2.0 standards that connects Czech banks (acting as Identity Providers) with service providers (businesses, government institutions). The platform enables secure customer authentication, KYC/AML-compliant identity verification, and qualified electronic signatures (Bank iD SIGN and QSIGN) via REST APIs. End users authenticate using their existing bank login credentials, while service providers pay for API access; the service is free for individual end users.

Product overview

Bank iD is a Czech digital identity platform operated by Bankovní identita a.s. that enables citizens to use their banking credentials as a digital identity for secure login, identity verification, and electronic document signing across government portals, businesses, and institutions. The platform consists of the core Bank iD authentication/verification service, supplemented by electronic signature add-ons: Bank iD SIGN (guaranteed electronic signature), Bank iD QSIGN (qualified electronic signature via a Certification Authority), and Podepis Bank iD (web signing portal). Additional services include AML identification for compliance. The platform exposes OpenID Connect and OAuth2-based REST APIs for both Service Providers and Banks, with a developer portal providing documentation, sandbox, and SDK examples.

Differentiator

Problem solved

Functional benefit

Products and services

• Bank iD A digital banking identity platform that allows Czech citizens to securely log in to third-party portals (government, healthcare, e-commerce, telecom), verify identity, and sign electronic documents using their existing bank internet banking credentials. Banks act as Identity Providers confirming user identity without exposing financial data.
• Bank iD SIGN Electronic signature service enabling users to sign documents with a guaranteed electronic signature using their banking identity, without requiring additional software installation. Available as an add-on module for service providers.
• Bank iD QSIGN Qualified electronic signature service involving a Certifikační autorita (Certification Authority) for issuing qualified certificates and attaching legally recognized qualified electronic signatures to documents, compliant with Czech and EU regulations.
• Podepis Bank iD Web-based document signing portal allowing users to electronically sign documents using their Bank iD banking identity directly in a browser, supporting guaranteed electronic signatures.
• Bank iD AML Identification Anti-Money Laundering (AML) identification service enabling businesses to perform AML-compliant customer identity verification through banking identity, with personal data retained for 12 months for audit purposes.
• Bank iD Developer Portal Developer portal providing OpenID Connect and OAuth2-based REST API documentation, sandbox/test environment, code samples in Java, C#, and JavaScript/Node.js, and support resources for integrating Bank iD authentication, KYC, and electronic signature services.

Quantifiable outcome

• Free for end users — no cost for individuals to use banking identity for authentication or signing
• +3 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core.

• Air BankcoreTechnology or IntegrationAir Bank provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem. Air Bank customers can use their existing internet banking credentials to authenticate with any service provider connected to Bank iD.
• Banka CreditascoreTechnology or IntegrationBanka Creditas provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem, enabling Creditas customers to use their bank credentials for authentication across Bank iD-connected services.
• Česká spořitelnacoreTechnology or IntegrationČeská spořitelna (the largest Czech bank by assets) provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem, serving millions of customers across the Czech Republic.
• ČSOBcoreTechnology or IntegrationČSOB (Československá obchodní banka) provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• Fio bankacoreTechnology or IntegrationFio banka provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem, enabling Fio customers to use their bank credentials for authentication.
• Komerční bankacoreTechnology or IntegrationKomerční banka (KB) provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem, serving as one of the major Czech banking identity providers.
• mBankcoreTechnology or IntegrationmBank (owned by Commerzbank group) provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• MONETA Money BankcoreTechnology or IntegrationMONETA Money Bank provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• Partners BankacoreTechnology or IntegrationPartners Banka provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• Raiffeisen BankcoreTechnology or IntegrationRaiffeisen Bank (part of Raiffeisenbank International group) provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• UniCredit BankcoreTechnology or IntegrationUniCredit Bank Czech Republic provides banking identity as an Identity Provider (IdP) within the Bank iD ecosystem.
• Certifikační autorita (Certification Authority)coreTechnology or IntegrationAn accredited Certification Authority that issues qualified certificates for electronic signatures and qualified electronic time stamps. Used by the Bank iD QSIGN service to create legally valid qualified electronic signatures. The CA is a required component of the QSIGN electronic signature workflow.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ID.me: US digital identity network providing login, identity proofing, and group affiliation verification for government and commercial use cases. Comparable in the broad identity-platform category, especially for public-sector SePs.
• Onfido: Global identity verification provider covering document verification, biometric checks, and KYC. Comparable to Bank iD's IDV/KYC layer but operates internationally and does not rely on bank-issued identity.
• Jumio: Global identity verification and KYC/AML platform used by enterprises for onboarding. Overlaps with Bank iD's AML Identification and KYC offerings, particularly for non-bank-anchored verification.

Direct peers

• BankID (Norway): Norwegian bank-issued electronic ID for login, signing, and public-service access. Directly comparable model — banks as IdPs, exposed to SePs across public and private sectors — and the most mature banking-identity scheme in the Nordics.
• iDIN (Netherlands): Dutch bank-issued identity service for consumer login, age verification, and KYC. Directly comparable as a national banking-identity middleware used by businesses and government.
• itsme (Belgium): Belgian digital identity app backed by banks and mobile operators, used for login, KYC, and qualified e-signatures. Directly comparable multi-stakeholder model with bank-issued identity, including qualified electronic signatures.
• Finnish Trust Network (FTN): Bank-anchored strong authentication network in Finland, providing TUPAS-style login and identity verification to service providers. Same bank-as-IdP model as Bank iD, exposed as APIs to enterprise and government customers.
• BankID (Sweden): Operates the Swedish banking-identity scheme, allowing citizens to authenticate and sign with their bank credentials. Closest international analog to Bank iD in structure: a bank-anchored identity platform exposed via APIs to government and enterprise.
• Verimi (Germany): German identity platform offering login, KYC, and e-signature services with bank and insurer partnerships. Comparable as a European digital-identity middleware aiming at government and enterprise SeP use cases.

Emerging players

• Veriff: Identity verification company with strong presence in Europe, covering document verification, AML, and KYC. Adjacent competitor to Bank iD's IDV services for SePs that do not want to rely on bank credentials.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bankidcesko
• GitHubgithub.com/BankovniIdentita
• Facebookfacebook.com/bankidcesko
• LinkedInlinkedin.com/company/bankovn%C3%AD-identita-a-s
• Instagraminstagram.com/bankidcesko

Revenue estimate

Valuation estimate

Number of profiles

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 Bankovní identita