Akcenta CZ
Akcenta CZ is a Czech-licensed non-bank payment institution providing foreign exchange, cross-border payments, currency hedging, and invoice factoring to SMEs and corporates across six Central European markets, monetizing via FX spreads and transaction fees.
- Company typePrivate
- Founded1997
- HeadquartersPrague, Czechia
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Akcenta CZ does
Akcenta CZ a.s. is a Czech-licensed non-bank payment institution founded in 1997, providing foreign exchange services, cross-border payments, currency risk hedging, and invoice factoring to businesses across six Central European markets (Czech Republic, Slovakia, Poland, Hungary, Romania, and Germany). The company serves 58,000+ clients, with primary segments including SMEs, exporters and importers, and corporate/institutional customers that require foreign currency transactions and international payment infrastructure. Its product set spans spot FX trades, forward contracts (from 10,000 EUR equivalent), SWAPs and currency options, internal payment accounts (IPÚ) in 17 currencies, and the Inflow (formerly Zalep.to) invoice factoring platform acquired in 2020. Named reference customers include Tank Ono (fuel retail) and Magrix s.r.o. (SMB).
The company's underlying technology includes a proprietary Online Broker (OLB) platform for live FX trading and payment order entry, the Akcenta Key mobile authentication app with biometric verification, and an Internal Payment Account infrastructure backed by correspondent accounts at multiple partner banks across the six operating markets (e.g., Česká spořitelna, Komerční banka, OTP Bank, Banca Comercială Română). Distribution is hybrid: 100+ regional sales representatives provide personalized service and on-site contract signing, while the OLB and online onboarding via akcenta.online enable self-serve client acquisition. Monetization combines commission-free FX trades (revenue from bid-ask spread), per-transaction payment fees (typically 30-250 CZK), free internal payment account services with revenue generated through associated transactions, and 2-4% factoring fees on Inflow transactions.
Since 2021, the company has been majority-owned by Raiffeisen Bank International AG (70%) and Raiffeisenbank a.s. (30%), providing institutional backing while Akcenta operates independently under its Czech National Bank payment institution and securities dealer licenses. Headcount has grown past 130 as of 2023 (currently 162), and the company has continued launching digital product enhancements through 2025, including DigiSign electronic signature, Akcenta Key mobile authentication, fully online onboarding, and a reactivated partner referral program — all consistent with a strategy to digitize the historically sales-led acquisition funnel while deepening in-country presence in Romania and Slovakia via dedicated Business Director appointments.
Akcenta CZ firmographics
Firmographics- Name
- Akcenta CZ
- Legal name
- AKCENTA CZ a.s.
- Website
- https://akcenta.cz
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Akcenta CZ is a Czech-licensed non-bank payment institution providing foreign exchange, cross-border payments, currency hedging, and invoice factoring to SMEs and corporates across six Central European markets, monetizing via FX spreads and transaction fees.
- Ownership category
- akta.pro rank
Akcenta CZ industry classification
Industry- Product category
- Foreign Exchange Services
- NAICS
- Securities and Commodity Contracts Intermediation and Brokerage (5231), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)
- akta.pro secondary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where Akcenta CZ is headquartered
LocationHeadquarters
- HQ city
- Prague
- HQ country
- Czechia
- HQ region
- Europe
Offices2 records
Markets served
Akcenta CZ business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Foreign Exchange (FX) Spread Revenue: Akcenta CZ earns revenue through the bid-ask spread on currency exchange transactions. The company offers individualized exchange rates to each client based on market conditions and transaction volume, providing better rates than standard bank exchange rate sheets. No fees are charged for currency exchange itself.
- Payment Transaction Fees: Fees charged for processing domestic and foreign payment transactions. Incoming payments in CZK, EUR, USD are free within Akcenta's banking network. Outgoing foreign payments are priced at 40 CZK via OLB or 60 CZK by phone. Urgent payment surcharge is 250 CZK. SEPA payments within EEA are free.
- Internal Payment Account (IPÚ) Services: Internal payment accounts (IPÚ) are provided free of charge. Revenue is generated through associated payment transactions and currency conversions using these accounts.
- Forward and Derivative Transaction Revenue: Revenue from providing hedging instruments including standard forwards, payment forwards, par forwards, window forwards, amortizing forwards, swap transactions, and currency options. Clients can hedge exchange rate risk from amounts as low as 10,000 EUR equivalent.
- Invoice Factoring via Inflow Platform: Akcenta CZ owns the Inflow platform (acquired in 2020 as Zalep.to) which enables invoice factoring. Clients pay 2-4% of invoice value to unlock cash flow within 24 hours. Investors earn returns with average ROI in 45 days.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Individual exchange rates — no fixed pricing tiers |
| Transaction based/ take rate | Pay-as-you-go | Domestic payments — free |
| Transaction based/ take rate | Pay-as-you-go | Invoice factoring via Inflow — 2-4% of invoice value |
| Subscription | Monthly | Account and service fees |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Akcenta CZ product offering
Product offeringCore offering
Akcenta CZ is a non-bank payment institution providing foreign exchange services, international foreign currency payments, and currency risk hedging instruments to businesses. The company operates a proprietary online trading platform and serves clients across multiple Central European markets under Czech National Bank licensing.
Differentiator
Problem solved
Functional benefit
Brands
- Inflow: Invoice financing platform connecting sellers of invoices with investors, providing fast cash flow solutions for SMEs.
- Akcenta Key
- Online Broker (OLB)
- Internal Payment Accounts (IPÚ)
Products and services
- Foreign Exchange (FX) Trading
- International Payments
- Currency Risk Hedging Instruments
- Internal Payment Accounts
- Invoice Factoring (Inflow)
Quantifiable outcome
- Annual savings of 108,000 CZK per client for USD transactions
- +3 more outcomes
Companies that use Akcenta CZ
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Akcenta CZ technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Akcenta CZ partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core and minor.
- Česká spořitelnacoreČeská spořitelna is one of Akcenta's partner banks where Akcenta holds accounts. This partnership enables free incoming and outgoing CZK, EUR, and USD payments within the bank's network, and is a core part of Akcenta's payment infrastructure in the Czech Republic.
- FIO BankacorePartner bank where Akcenta holds accounts in the Czech Republic, enabling efficient payment processing within the FIO network.
- Komerční bankacorePartner bank in the Czech Republic. Akcenta holds accounts enabling free CZK, EUR, USD transfers within Komerční bank's network.
- MONETA Money BankcorePartner bank in the Czech Republic for payment processing and account services.
- Raiffeisenbank a.s.corePartner bank in the Czech Republic and 30% owner of Akcenta CZ. Akcenta holds EUR accounts at Raiffeisenbank for payment settlement.
- Tatra banka (Slovakia)corePartner bank in Slovakia where Akcenta holds accounts for Slovak market payment processing.
- Alior Bank SA (Poland)corePartner bank in Poland for payment settlement. Part of Akcenta's multi-bank infrastructure across the Polish market.
- PEKAO SA (Poland)corePartner bank in Poland for payment processing. Akcenta holds accounts enabling free PLN transactions in Poland.
- PKO BP (Poland)corePartner bank in Poland for payment settlement.
- Santander Bank Polska SA (Poland)corePartner bank in Poland for payment settlement.
- Bank Millennium SA (Poland)corePartner bank in Poland for payment settlement.
- BNP Paribas Bank Polska SA (Poland)corePartner bank in Poland for payment settlement.
- mBank SA (Poland)corePartner bank in Poland for payment settlement.
- OTP Bank (Hungary)corePartner bank in Hungary for payment processing.
- CIB Bank (Hungary)corePartner bank in Hungary for payment processing.
- MKB Bank / MBH Bank (Hungary)corePartner bank in Hungary for payment processing. Previously CIB Bank, now under MBH Bank.
- Raiffeisen Bank Zrt. (Hungary)corePartner bank in Hungary for payment processing.
- Banca Comercială Română SA (Romania)corePartner bank in Romania for payment settlement.
- BRD Groupe Societe Generale (Romania)corePartner bank in Romania for payment settlement.
- Raiffeisen Bank SA (Romania)corePartner bank in Romania for payment settlement.
- TyfloCentrum Hradec Králové, o.p.s.minorAkcenta has long-term CSR partnership supporting this organization that helps visually impaired citizens.
- Česká golfová asociace hendikepovaných (CZDGA)minorAkcenta supports the Czech Golf Association for the Disabled, which brings together more than 180 players with various disabilities.
- Lady Abrahams TrophyminorTraditional sponsorship of this prestigious golf tournament that officially opens the Czech golf season.
- Česká komora (Czech Chamber)minorAkcenta is a partner of the Czech Chamber (Česká komora).
Scale indicators10 records
Recent moves10 records
Expansion highlights5 records
Akcenta CZ competitors and assessment
Company assessmentBroad incumbents
- Revolut Business: Revolut Business offers multi-currency accounts, FX at interbank rates, and international payments for businesses. Broader product portfolio than Akcenta (cards, expense management) but overlapping on FX and cross-border B2B payments.
- Western Union Business Solutions: Western Union Business Solutions provides international payments and FX hedging for SMEs and mid-market corporates globally. Overlaps with Akcenta on cross-border B2B payments and FX risk management; a much larger incumbent parent.
Direct peers
- Kantox: Kantox is a London-headquartered fintech specializing in FX risk management and international payments for mid-market and SME businesses. Closest direct functional peer to Akcenta on hedging products (forwards, swaps) plus cross-border payments.
- TransferMate: TransferMate is an Irish-regulated payments institution offering international B2B payments and FX to corporates and SMEs. Same regulatory archetype as Akcenta (non-bank PI) and same SME-corporate cross-border payment value proposition.
- OFX: OFX is a publicly listed global FX and international payments provider serving SMEs and corporates with FX forwards and spot — same product mix (FX trading + payment execution) and same target customer (importers/exporters).
- Moneycorp: Moneycorp is a UK-regulated FX and payments specialist serving businesses with spot FX, forwards, and mass payments — directly comparable on product set, regulation-by-NB model, and SME focus.
- Currencycloud: Currencycloud (now part of Visa) provides cross-border payment and FX infrastructure that other fintechs and banks rebrand. Comparable in delivering FX-as-a-service and B2B payment orchestration, though primarily wholesale/API vs. Akcenta's direct SME front-end.
- Wise: Wise Business offers cross-border multi-currency accounts and FX for SMEs globally with mid-market pricing. Highly comparable to Akcenta on cross-border payments and FX for businesses, though Wise is consumer-first and Akcenta is strictly B2B.
- Conotoxia (Cinkciarz.pl): Conotoxia (rebrand of Cinkciarz.pl) is a Polish online FX and cross-border payments provider serving retail and SME customers across CEE — the most directly comparable Central European competitor to Akcenta's Polish and Slovak operations.
- Equals Money: Equals Money (formerly FairFX/Equello) is a UK-listed business FX and international payments provider — multi-currency cards, spot FX, and mass payments for SMEs. Closely comparable in size, customer segment, and product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Akcenta CZ social profiles
Digital presenceAkcenta CZ financial estimates
Financial estimateRevenue estimate
Valuation estimate
Akcenta CZ leadership team
Management profileNumber of profiles
Akcenta CZ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Akcenta CZ 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 Akcenta CZ
What does Akcenta CZ do?
Akcenta CZ is a non-bank payment institution providing foreign exchange services, international foreign currency payments, and currency risk hedging instruments to businesses. The company operates a proprietary online trading platform and serves clients across multiple Central European markets under Czech National Bank licensing.
Is Akcenta CZ a public or private company?
Akcenta CZ is a private company. It is classified as corporate owned and is currently operating.
When was Akcenta CZ founded?
Akcenta CZ was founded in 1997. It employs 101 to 250 people.
Where is Akcenta CZ based?
Akcenta CZ is headquartered in Prague, Czechia, in the Europe region.
How does Akcenta CZ make money?
Five revenue lines are on record. Foreign Exchange (FX) Spread Revenue is the primary driver. The others are payment Transaction Fees, internal Payment Account (IPÚ) Services, forward and Derivative Transaction Revenue and invoice Factoring via Inflow Platform.
Who are Akcenta CZ's main competitors?
Broad incumbents on record are Revolut Business and Western Union Business Solutions. Direct peers are Kantox, TransferMate, OFX, Moneycorp, Currencycloud, Wise, Conotoxia (Cinkciarz.pl) and Equals Money.
Does Akcenta CZ have an API?
No public API is recorded for Akcenta CZ.
What industry is Akcenta CZ in?
Akcenta CZ's product category is Foreign Exchange Services. Its primary akta.pro industry code is FSAMAIAL, Trade & Invoice Payments (Cross-Border B2B), with a secondary code of FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 5231 and its SIC code is 6153.