Banky.cz

What Banky.cz does

Banky.cz is a Czech financial product comparison and advisory portal founded in 1997 and headquartered in Prague, serving retail consumers across the Czech Republic. The platform aggregates 571+ financial products from 250+ financial institutions and lets users compare loans, mortgages (including refinancing), current accounts, savings accounts, pension savings, building savings, investments, and insurance (life, travel, property). Core products include the Srovnání půjček and Srovnání hypoték comparison engines, an online mortgage calculator, and the Hyponamiru.cz sub-brand offering end-to-end online mortgage brokerage.

The underlying technology is a web-based platform with proprietary comparison and calculation tools (mortgage and life-insurance calculators), a free expert Q&A advisory forum (Poradna) with 28,582 answered questions, a content magazine (Magazín) with 2,120 expert-authored articles, and a product review system. Mortgage advisory operations are conducted through tied agents operating under Broker Trust, a.s., a CNB-registered independent consumer credit intermediary, providing the regulatory basis for credit intermediation.

The business model is freemium for end users (all comparison, advisory, and editorial services are free), with revenue generated primarily through affiliate/referral fees from financial institutions when users apply for products via the platform, supplemented by advertising and featured placement fees. Customer acquisition is product-led and content-driven: organic SEO, the magazine, the poradna forum, email newsletters, and social media (Facebook, LinkedIn) drive top-of-funnel traffic. The company is privately held, led by CEO Miroslav Majer with Head Analyst Petr Jermář, and operates within a broader affiliated group of 12+ financial services entities including Broker Trust, HYPO na míru, GOLEM FINANCE, and ZenX Capital.

Name

Banky.cz

Legal name

Banky.cz

Website

https://banky.cz

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Banky.cz is a Czech financial product comparison and advisory portal that aggregates 571+ products from 250+ financial institutions, offering free comparison and mortgage advisory services to Czech retail consumers across loans, mortgages, accounts, savings, investments, and insurance.

Ownership category

akta.pro rank

Product category

Financial Product Comparison and Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Financial product comparison
• Mortgage comparison services
• Consumer loan advisory
• Insurance product comparison
• Financial advisory portal

Headquarters

HQ city

Brno

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Affiliate/Referral Fees from Financial Institutions: Banky.cz generates revenue by referring customers to financial products from banks, insurance companies, and other financial institutions. When users complete applications or transactions through the platform, Banky.cz receives referral commissions from the financial institutions. This is the primary revenue model for comparison platforms in the Czech market.
2. Advertising and Promotional Fees: Financial institutions pay for featured placements, promotional banners, and highlighted product listings on the platform. This includes featured tips and sponsored content in the magazine section.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Banky.cz is a Czech web portal that aggregates and compares financial products from 250+ Czech banks, building savings companies, and insurance companies, covering loans, mortgages (including refinancing), current accounts, savings accounts, investments, pension savings, building savings, and insurance. It provides free comparison tools, an online mortgage calculator, an expert Q&A advisory forum (Poradna), an editorial magazine, and a dedicated online mortgage advisory and brokerage service (Hyponamíru.cz) that guides consumers through the full mortgage application process.

Product overview

Banky.cz is a Czech financial product comparison and advisory portal operating as a unified platform that aggregates and compares financial products from banks and insurance companies across the Czech market. The platform's core offering centers on comparative services for loans, mortgages (including refinancing), current accounts, savings accounts, investments, and insurance products (life, travel, property). The portfolio includes specialized tools such as a mortgage calculator and an online mortgage advisory service operated through Hyponamiru.cz, which provides end-to-end mortgage brokerage assistance. Supporting services include a free expert Q&A advisory forum (Poradna) with over 28,582 answered questions and a financial magazine (Magazín) with over 2,120 published articles. The platform enables users to compare products from approximately 610 offerings across 250 financial institutions, with stated coverage of 571 financial products.

Differentiator

Problem solved

Functional benefit

Brands

• Hyponamiru.cz: Online mortgage specialist service operated by Banky.cz, offering digital mortgage comparison and arrangement services for Czech customers seeking home financing.

Products and services

• Srovnání půjček (Loan Comparison) Comparison service enabling users to compare loan products from multiple Czech financial institutions with detailed parameter comparisons. Targeted at Czech consumers seeking personal loans or consumer credit.
• Srovnání hypoték (Mortgage Comparison) Mortgage comparison service allowing users to compare mortgage products across Czech banks, including rates, terms, and conditions to find the most favorable offer. Targeted at Czech consumers purchasing property or evaluating mortgage options.
• Srovnání běžných účtů (Current Account Comparison) Current account comparison service enabling users to compare checking account products from various Czech banks based on fees, features, and benefits.
• Spořicí účty (Savings Account Comparison) Savings account comparison service helping users find the best interest rates on deposit accounts across Czech financial institutions.
• Refinancování hypotéky (Mortgage Refinancing Comparison) Mortgage refinancing comparison service helping users find better mortgage terms by switching to a different Czech bank.
• Penzijní spoření (Pension Savings Comparison) Pension savings comparison service covering supplementary pension insurance products available in the Czech Republic.
• Stavební spoření (Building Savings Comparison) Building savings comparison service covering construction savings products from Czech building savings companies.
• Životní pojištění (Life Insurance Comparison) Life insurance comparison and advisory service covering risk life insurance, investment life insurance, and accident insurance, with an online calculator for personalized comparisons.
• Cestovní pojištění (Travel Insurance) Travel insurance comparison and online purchase service for international travel coverage.
• Pojištění (Insurance Comparison) Insurance comparison service covering insurance products including travel, life, and property insurance from Czech insurers.
• Investice (Investment Products Comparison) Investment products comparison section covering various investment options available on the Czech financial market.
• Online hypoteční poradce (Hyponamíru.cz Mortgage Advisory) Online mortgage advisory service staffed by mortgage specialists providing free consultations and assisting clients through the entire mortgage process from application to disbursement, including negotiating better rates on behalf of clients. Operated as a sub-brand via Hyponamiru.cz.
• Poradna (Financial Advisory Forum) Free expert Q&A advisory service where Banky.cz specialists answer user questions about taxes, real estate, banking products, and other financial topics, with over 28,582 answered questions.
• Magazín Banky.cz (Financial Magazine) Financial news and advice magazine publishing articles about Czech banks, laws, real estate market, and investing, written by the Banky.cz expert editorial team (over 2,120 articles published).

Quantifiable outcome

• 610+ financial products compared on platform
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Česká spořitelnacoreOthersMajor Czech bank whose financial products (loans, mortgages, current accounts, insurance) are featured and compared on the Banky.cz platform. Products are available for comparison in the platform's database.
• ČSOB (Československá obchodní banka)coreOthersMajor Czech banking group whose products are compared on the platform, including ČSOB and ČSOB Hypoteční banka products.
• Fio bankacoreOthersCzech bank whose products are compared on the Banky.cz platform.
• Komerční bankacoreOthersMajor Czech bank whose financial products are featured on the comparison platform.
• mBankcoreOthersCzech digital bank whose products are included in the platform's comparison database.
• MONETA Money BankcoreOthersCzech bank whose products are compared on the Banky.cz platform.
• RaiffeisenbankcoreOthersCzech bank whose financial products are featured in the platform's comparison database.
• UniCredit BankcoreOthersMajor Czech bank whose products are included in the comparison platform.
• Oberbank AGminorOthersAustrian bank operating in the Czech Republic whose products are compared on the platform.
• Broker Trust, a.s.coreChannel Partner/ Reseller/ DistributorIndependent consumer credit intermediary registered with ČNB (IČO: 26439719). The mortgage advisors at Banky.cz (hyponamíru.cz) operate as tied agents under Broker Trust, a.s., which is registered as an independent consumer credit intermediary. This partnership enables legal operation of mortgage and credit advisory services.
• GoInvest (Golem Finance)minorOthersPartner company in the financial services ecosystem, appearing in featured tips and advertising partnerships for mortgage products.

Scale indicators7 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• MoneySupermarket Group: UK-listed financial product comparison platform operating across insurance, banking, and utilities via affiliate revenue—the publicly-traded reference archetype for the comparison/lead-gen model Banky.cz executes in Czechia.
• Check24: Germany's largest comparison portal operating an affiliate/lead-gen model across insurance, banking, energy, and consumer finance—same core business model and monetization mechanics as Banky.cz at much larger scale.
• GoCompare: UK price comparison website for financial products (insurance, energy, banking) using a similar lead-generation and affiliate revenue model to Banky.cz.
• Bankrate: Major US financial product comparison and content publisher (banking, mortgages, credit cards) monetized via affiliate/lead generation—structurally identical business to Banky.cz at much larger scale.

Direct peers

• Smava: German loan and mortgage comparison platform combining credit marketplace intermediation with advisory services—an even closer niche analog to Banky.cz's loan/mortgage focus.
• Porovnej24.cz: Czech financial product comparison portal directly competing with Banky.cz in loans, mortgages, and insurance aggregation for Czech consumers.
• Finanzcheck.de: German loan and insurance comparison platform employing licensed intermediaries—a near-direct European analog to Banky.cz's hybrid comparison-plus-brokerage model.

Regional players

• BankBazaar: India's leading financial product comparison marketplace (loans, credit cards, insurance) operating on an affiliate/lead-gen model across multiple institutions—directly comparable business mechanics to Banky.cz in a different geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PoradceBankyCZ
• LinkedInlinkedin.com/company/banky-cz/about
• Xx.com/banky_cz

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries12 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 Banky.cz