Prima banka

What Prima banka does

Prima banka Slovensko, a.s. is a privately held Slovak commercial bank headquartered in Bratislava that has operated since 1993 under the brand tagline 'Jediná v každom okrese' (the only bank present in every Slovak district). The bank operates a hybrid physical-and-digital distribution model anchored by a nationwide branch and ATM network that, combined with eight Firemné centrá (corporate centers) in major regional cities (Banská Bystrica, Bratislava, Košice, Nitra, Prešov, Trenčín, Trnava, Žilina), gives it physical presence in every Slovak administrative district. Its technology layer consists of the Peňaženka mobile banking application (iOS, Android, AppGallery), a web-based internet banking platform, an SMS notification service, 3D Secure transaction authentication, a PSD2-compliant open-banking API, POS terminals for merchant acquiring (operated via a Nexi Central Europe partnership), and card integrations with Mastercard, Visa, Apple Pay, Google Pay, Garmin Pay, and Xiaomi Pay. In February 2026, the bank received an investment-grade A3 credit rating from Moody's.

The bank serves three primary customer segments through a vertically segmented GTM model: retail individuals (personal/student/children's accounts, savings products paying 5.0% p.a., personal loans up to EUR 15,000, mortgages at 3.4% p.a.), small and medium-sized businesses (business and tradesmen accounts at EUR 6.90/month, term loans, overdraft facilities, POS terminals, merchant acquiring), and municipalities and local governments (Municipality Accounts, four municipal-loan variants covering infrastructure, working capital, EU-fund pre-financing, and subsidies, plus bank guarantees for ŠFRB and PPA EU-fund instruments). Revenue is generated primarily through net interest income on loans and deposits, recurring monthly account-fee subscriptions (waived above EUR 30,000 average daily credit balance), transaction and interchange fees on card and POS activity, and professional service fees on municipal banking instruments.

Name

Prima banka

Legal name

Prima banka Slovensko, a.s.

Website

https://primabanka.sk

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Prima banka Slovensko, a.s. is a privately held Slovak commercial bank serving retail individuals, small and medium businesses, and municipal governments across Slovakia through a nationwide branch network, the Peňaženka mobile app, internet banking, and a PSD2-compliant API, with product depth spanning deposits, mortgages, SME credit, and EU-fund-backed municipal financing.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Municipal banking
• Mortgage lending
• Payment services
• Digital banking

Headquarters

HQ city

Zilina

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest earned on mortgage loans (including mortgage transfer offerings at 3.4% p.a.), personal loans, business loans, and municipal loans. The bank offers term deposits with competitive rates (5.0% annually for savings products).
2. Account and Transaction Fees: Monthly account maintenance fees (e.g., Účet samosprávy at 6.90 EUR, Firemný účet at 6.90 EUR), payment transaction fees, and cash handling fees. Electronic transactions typically bundled in account packages.
3. Payment Card Services: Revenue from merchant acquiring services (POS terminals), card transaction interchange fees, and payment processing services for businesses and municipalities.
4. Banking Services for Municipalities: Specialized services including municipal accounts, loans for municipalities (Klasik, Superlinka, Univerzál, Dotácia), bank guarantees for EU projects and housing funds (ŠFRB), and grant account management.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Prima banka Slovensko is a Slovak commercial bank that provides retail banking (personal accounts, savings, loans, mortgages, payment cards), business banking (entrepreneur and company accounts, business loans, POS terminals, term deposits), and specialized municipal banking (municipality accounts, municipal loans, EU fund financing, bank guarantees). Services are delivered through a nationwide branch network, dedicated corporate centers in eight cities, the Peňaženka mobile app, and PSD2-compliant internet banking.

Product overview

Prima banka is a Slovak commercial bank offering a comprehensive suite of banking products across three segments: individuals (personal, student, and children's accounts with savings, loans, and mortgages), businesses (entrepreneur accounts, company accounts, term deposits, loans, POS terminals, and business cards), and municipalities (municipality accounts, grant accounts, municipal loans, bank guarantees, and specialized EU fund financing). The digital banking platform includes Internet banking, the Peňaženka mobile app, SMS/Push notifications, and 3D Secure authentication. The bank provides PSD2-compliant API access for third-party payment service providers and integrates with Apple Pay, Google Pay, Garmin Pay, and Xiaomi Pay for mobile payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Osobný účet (Personal Account) Primary personal banking account with rewards for card payments, offering comprehensive banking services for individual retail customers in Slovakia.
• Študentský účet (Student Account) Banking account designed for students with special benefits and savings options tailored to young customers.
• Detský účet (Children's Account) Savings account for children with guardian-managed access and long-term savings features.
• Sporenie (Savings) Regular monthly savings product with guaranteed 5.0% annual interest rate, available as an add-on to Personal, Student, and Children's accounts.
• Termínovaný vklad (Term Deposit) Time deposit product with terms of 1, 3, 6, or 12 months, minimum deposit 1,000 EUR, with automatic renewal options.
• Pôžička (Personal Loan) Personal loan product up to 15,000 EUR with quick approval process, typically requiring only an identity card for application.
• Hypotéka (Mortgage) Mortgage product including mortgage transfer services with guaranteed 3.4% interest rate for 3-year fixation, offering lower payments for transferred mortgages.
• Podnikateľský účet pre živnostníkov (Business Account for Tradesmen) Business banking account tailored for self-employed individuals and tradesmen with bundled services at a fixed monthly price.
• Firemný účet (Company Account) Comprehensive business account for small and medium companies with unlimited electronic transactions and ATM withdrawals at 6.90 EUR monthly.
• Účet bytového domu (Apartment Building Account) Specialized account for apartment building management companies and housing cooperatives.
• Grantový účet (Grant Account) Account for municipalities and organizations receiving EU funds and grants, with 0% credit interest rate.
• Účet samosprávy (Municipality Account) Comprehensive municipality account bundling common banking services for cities and municipalities at 6.90 EUR monthly, with fee waiver for average daily balance of 30,000 EUR or more.
• Municipálny úver – Klasik (Municipal Loan – Classic) Purpose-driven loan for municipal operating needs and investment projects in ecology, infrastructure, and housing construction.
• Municipálny úver – Superlinka (Municipal Loan – Superlink) Flexible overdraft credit facility for municipalities with up to 1-year maturity and renewal option, no purpose documentation required.
• Municipálny úver – Univerzál (Municipal Loan – Universal) Long-term overdraft credit for municipalities covering both operating and capital expenditures with 10-year maturity.
• Municipálny úver – Dotácia/Eurofondy (Municipal Loan – Subsidy/EU Funds) Specialized loan product for pre-financing and co-financing EU-funded municipal projects, covering up to 100% of project costs.
• Banková záruka za zálohovú platbu PPA (Bank Guarantee for PPA Advance Payment) Bank guarantee service for agricultural fund advance payments, covering up to 100% of advance payment with 4-year validity.
• Banková záruka za úvery ŠFRB (Bank Guarantee for ŠFRB Loans) Bank guarantee for State Housing Development Fund loans, covering up to 100% of unpaid principal for municipal housing projects.
• Banková záruka (Bank Guarantee) Universal guarantee instrument covering bid bonds, advance payment guarantees, performance bonds, retention guarantees, and customs/shipping guarantees.
• Platobné POS terminály (POS Terminals) Payment card acceptance terminals for merchants, available as fixed (Ethernet/GPRS) or portable (GPRS-only) units with Nexi Central Europe support.
• Bezhotovostné platobné služby (Non-cash Payment Services) SEPA payment services including SEPA credit transfer, instant payment, standing order, direct debit, and cross-border payments in EUR and foreign currencies.
• Debit Mastercard International embossed debit card with contactless technology, daily limit of 1,500 EUR, valid for 5 years.
• Mastercard Standard International embossed debit card with contactless functionality, daily limit of 2,500 EUR.
• Mastercard Gold Premium international embossed debit card with gold design, contactless technology, and premium benefits, daily limit of 4,000 EUR.
• Investície (Investments) Investment products including corporate bonds available for purchase through the bank.
• Termínovaný úver (Term Loan) Fixed-term business loan with scheduled repayment for specific investment purposes.
• Kontokorentný úver (Overdraft Credit) Flexible short-term credit facility with up to 1-year maturity, accessible on business account, with no fixed drawdown schedule.
• Úver na financovanie opráv bytového domu (Apartment Building Renovation Loan) Investment loan for housing company renovations, modernization, and reconstruction of common building facilities with up to 30-year maturity.
• Úverové prísľuby (Credit Commitments) Binding or non-binding credit commitments for municipalities and businesses for future loan or guarantee provision.
• Transparentné účty (Transparent Accounts) Special account type for political party and independent candidate election campaign financing, publicly viewable.
• Bankové informácie (Banking References) International banking reference service for clients exporting goods and services, providing creditworthiness assessments of foreign partners.

Quantifiable outcome

• Savings interest rate: 5.0% p.a. guaranteed during entire savings period
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• Nexi Central Europe, a.s.coreTechnology or IntegrationPartnership for payment terminal (POS) services and support. Nexi Central Europe provides call center support for merchants at 02/6828 5255 and [email protected]. The bank offers POS terminals through this partnership for merchant acquiring services.
• MastercardcoreTechnology or IntegrationCard network partnership for debit and credit card processing. Prima banka issues Mastercard-branded cards including Debit Mastercard, Mastercard Standard, and Mastercard Gold. The bank participates in 3D Secure (Mastercard ID Check) for secure internet payments.
• VisacoreTechnology or IntegrationCard network partnership enabling acceptance of Visa cards at POS terminals and ATMs. While Prima banka primarily issues Mastercard products, the bank supports Visa card acceptance for merchants.
• Apple PaycoreTechnology or IntegrationMobile payment partnership enabling customers to pay with Apple Pay using their Apple devices (iPhone, Apple Watch, iPad, Mac).
• Google PaycoreTechnology or IntegrationMobile payment partnership enabling customers to pay with Google Pay using Android devices.
• Pôdohospodárska platobná agentúra (PPA)coreStrategic or Co-development PartnerGovernment partnership for EU agricultural fund management. Prima banka issues bank guarantees for advance payments under Rural Development Programme 2014-2020, securing payments from the European Agricultural Fund for Rural Development (EAFRD) and Slovak state budget for NFP recipients.
• Štátny fond rozvoja bývania (ŠFRB)coreStrategic or Co-development PartnerState housing fund partnership for municipal housing loans. Prima banka issues bank guarantees up to 100% of outstanding loan principal for ŠFRB loans, supporting construction of municipal rental housing, renovation of social service facilities, and residential building renewal.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• mBank Slovakia: Slovak branch of the Polish digital bank mBank (Commerzbank group) offering mobile-led retail and SME banking. Comparable as a digital-first competitor targeting the same Slovak retail and SME customers as Prima banka, but with a much lighter physical cost base.
• 365.bank: Slovak digital-first challenger bank (rebuilt from former Poštová banka) with mobile-led account opening and lower cost-to-serve. Comparable on the Slovak retail and SME target market and on the competing digital-banking platform, but with a fundamentally different distribution model.

Direct peers

• Fio banka: Czech-owned bank with a Slovak branch offering retail and SME banking with a strong digital and brokerage focus. Comparable mid-tier positioning, retail deposit and trading products, and a similar target customer profile of retail consumers and small businesses in Slovakia.
• OTP Banka Slovensko: Hungarian-owned full-service Slovak bank providing retail, SME and corporate banking including mortgage loans. The closest size-tier peer to Prima banka — competing head-to-head on retail deposits, mortgages and SME accounts within Slovakia with a comparable distribution footprint.

Others

• Prvá stavebná sporiteľňa: Slovak building savings bank specializing in mortgage and savings products. Overlaps with Prima banka on the Slovak retail mortgage-and-savings proposition, but operates as a specialised building society rather than a full-service commercial bank.

Broad incumbents

• VÚB Banka: A leading Slovak commercial bank owned by Intesa Sanpaolo, providing retail, SME and corporate banking plus municipal services. Comparable to Prima banka on customer segments and country-specific product offerings, but operating as part of an international banking group with broader funding access.
• UniCredit Bank Slovakia: Slovak subsidiary of UniCredit Group offering retail, corporate and SME banking with strong digital channels. Comparable to Prima banka on universal banking model and cross-border products, with deeper corporate and capital-markets capabilities from the parent group.
• ČSOB Slovakia: KBC Group's Slovak subsidiary operating as a full-service universal bank with retail, SME and corporate banking plus municipal services. Directly comparable on the three-segment customer structure and nationwide branch presence, but materially larger and broader in product portfolio.
• Slovenská sporiteľňa: The largest bank in Slovakia by deposits and assets, owned by Erste Group; offers the same broad retail, SME and corporate banking services as Prima banka across a national branch and digital network, with overlapping municipal capabilities, but at materially larger scale and as part of a wider CEE portfolio.
• Tatra banka: Raiffeisen Bank International's Slovak subsidiary offering retail, SME, corporate and private banking with strong premium-segment franchise. Comparable on full-service nationwide banking and digital channels, with a wider and more affluent customer profile.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Prima banka