{"id":12710,"date":"2019-02-03T10:16:49","date_gmt":"2019-02-03T09:16:49","guid":{"rendered":"https:\/\/financera.cz\/?p=12710"},"modified":"2024-09-10T12:05:45","modified_gmt":"2024-09-10T10:05:45","slug":"kody-bank","status":"publish","type":"wiki","link":"https:\/\/financera.cz\/osobni-finance\/clanky\/kody-bank\/","title":{"rendered":"Aktualizovan\u00e9 k\u00f3dy bank 2025"},"content":{"rendered":"\n

\u010c\u00edslo va\u0161eho bankovn\u00edho \u00fa\u010dtu mus\u00ed b\u00fdt v\u017edy unik\u00e1tn\u00ed. <\/strong>Jedin\u011b tak je mo\u017en\u00e9 zaru\u010dit, \u017ee pen\u00edze poslan\u00e9 bankovn\u00edm p\u0159evodem doraz\u00ed opravdu v\u00e1m. Z tohoto d\u016fvodu se \u010d\u00edslo va\u0161eho bankovn\u00edho \u00fa\u010dtu skl\u00e1d\u00e1 s \u010d\u00edslic p\u0159ed lom\u00edtkem a za lom\u00edtkem n\u00e1sleduje k\u00f3dov\u00e9 ozna\u010den\u00ed va\u0161\u00ed banky.<\/p>\n\n\n\n

Pokud bychom se dr\u017eeli terminologie \u010cesk\u00e9 n\u00e1rodn\u00ed banky, pak bychom se bavili o k\u00f3du platebn\u00edho styku.<\/strong> Letm\u00fdm pohledem na \u010d\u00edslo \u00fa\u010dtu m\u016f\u017eete d\u00edky znalosti k\u00f3d\u016f platebn\u00edho styku rozkl\u00ed\u010dovat, ke kter\u00e9 bance je to \u010di ono \u010d\u00edslo \u00fa\u010dtu p\u0159i\u0159azeno.<\/p>\n\n\n\n

Co je k\u00f3d banky?<\/h2>\n\n\n\n

K\u00f3d platebn\u00edho styku instituc\u00edm ud\u011bluje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. <\/strong>Ta jej nep\u0159id\u011bluje jen bankovn\u00edm dom\u016fm, ale i spo\u0159iteln\u00edm dru\u017estv\u016fm a stavebn\u00edm spo\u0159iteln\u00e1m. Dle nejnov\u011bj\u0161\u00edho seznamu je \u010ceskou n\u00e1rodn\u00ed bankou p\u0159i\u0159azeno 66 k\u00f3d\u016f platebn\u00edho styku.<\/p>\n\n\n\n

K\u00f3d platebn\u00edho styku je identifik\u00e1tor banky pro bezhotovostn\u00ed transakci. K\u00f3d banky hraje d\u016fle\u017eitou roli pro identifikaci vnitrost\u00e1tn\u00edch plateb. <\/strong>Pro mezin\u00e1rodn\u00ed transakce existuje k\u00f3d BIC ( SWIFT), co\u017e b\u00fdv\u00e1 osmim\u00edstn\u00fd k\u00f3d slo\u017een\u00fd s p\u00edsmen a \u010d\u00edslic.<\/p>\n\n\n\n

K\u00f3dy bank p\u0159ehledn\u011b<\/h2>\n\n\n\n
Banka<\/th>K\u00f3d banky <\/th>SWIFT\/BIC<\/th><\/tr><\/thead>
Komer\u010dn\u00ed banka, a.s.<\/a><\/td>K\u00f3d banky 0100<\/td>KOMBCZPP<\/td><\/tr>
\u010ceskoslovensk\u00e1 obchodn\u00ed banka, a. s.<\/a><\/td>K\u00f3d banky 0300<\/td>CEKOCZPP<\/td><\/tr>
MONETA Money Bank, a.s.<\/a><\/td>K\u00f3d banky 0600<\/td>AGBACZPP<\/td><\/tr>
\u010cESK\u00c1 N\u00c1RODN\u00cd BANKA<\/td>K\u00f3d banky 0710<\/td>CNBACZPP<\/td><\/tr>
\u010cesk\u00e1 spo\u0159itelna, a.s<\/a><\/td>K\u00f3d banky 0800<\/td>GIBACZPX<\/td><\/tr>
Fio banka, a.s.<\/a><\/td>K\u00f3d banky 2010<\/td>FIOBCZPP<\/td><\/tr>
MUFG Bank (Europe) N.V. Prague Branch<\/td>K\u00f3d banky 2020<\/td>BOTKCZPP<\/td><\/tr>
Citfin, spo\u0159iteln\u00ed dru\u017estvo<\/td>K\u00f3d banky 2060<\/td>CITFCZPP<\/td><\/tr>
TRINITY BANK a.s.<\/td>K\u00f3d banky 2070<\/td>MPUBCZPP<\/td><\/tr>
Hypote\u010dn\u00ed banka, a.s.<\/td>K\u00f3d banky 2100<\/td>–<\/td><\/tr>
Pen\u011b\u017en\u00ed d\u016fm, spo\u0159iteln\u00ed dru\u017estvo<\/td>K\u00f3d banky 2200<\/td>–<\/td><\/tr>
Artesa, spo\u0159iteln\u00ed dru\u017estvo<\/td>K\u00f3d banky 2220<\/td>ARTTCZPP<\/td><\/tr>
Banka CREDITAS a.s.<\/td>K\u00f3d banky 2250<\/td>CTASCZ22<\/td><\/tr>
NEY spo\u0159iteln\u00ed dru\u017estvo<\/td>K\u00f3d banky 2260<\/td>–<\/td><\/tr>
Podnikatelsk\u00e1 dru\u017estevn\u00ed z\u00e1lo\u017ena<\/td>K\u00f3d banky 2275<\/td>–<\/td><\/tr>
Citibank Europe plc, organiza\u010dn\u00ed slo\u017eka<\/td>K\u00f3d banky 2600 <\/td>CITICZPX<\/td><\/tr>
UniCredit Bank Czech Republic and Slovakia, a.s<\/a><\/td>K\u00f3d banky 2700<\/td>BACXCZPP<\/td><\/tr>
Air Bank a.s.<\/a><\/td>K\u00f3d banky 3030<\/td>AIRACZPP<\/td><\/tr>
BNP Paribas Personal Finance SA, od\u0161t\u011bpn\u00fd z\u00e1vod<\/td>K\u00f3d banky 3050<\/td>BPPFCZP1<\/td><\/tr>
PKO BP S.A., Czech Branch<\/td>K\u00f3d banky 3060<\/td>BPKOCZPP<\/td><\/tr>
ING Bank N.V.<\/td>K\u00f3d banky 3500<\/td>INGBCZPP<\/td><\/tr>
Expobank CZ a.s.<\/td>K\u00f3d banky 4000<\/td>EXPNCZPP<\/td><\/tr>
N\u00e1rodn\u00ed rozvojov\u00e1 banka, a.s.<\/td>K\u00f3d banky 4300<\/td>NROZCZPP<\/td><\/tr>
Raiffeisenbank a.s<\/a><\/td>K\u00f3d banky 5500<\/td>RZBCCZPP<\/td><\/tr>
J&T BANKA, a.s<\/td>K\u00f3d banky 5800<\/td>JTBPCZPP<\/td><\/tr>
PPF banka a.s.<\/td>K\u00f3d banky 6000<\/td>PMBPCZPP<\/td><\/tr>
Raiffeisenbank a.s. (do 31. 12. 2021 Equa bank a.s.)<\/td>K\u00f3d banky 6100<\/td>EQBKCZPP<\/td><\/tr>
COMMERZBANK Aktiengesellschaft, pobo\u010dka Praha<\/td>K\u00f3d banky 6200<\/td>COBACZPX<\/td><\/tr>
mBank S.A., organiza\u010dn\u00ed slo\u017eka<\/a><\/td>K\u00f3d banky 6210<\/td>BREXCZPP<\/td><\/tr>
BNP Paribas S.A., pobo\u010dka \u010cesk\u00e1 republika<\/td>K\u00f3d banky 6300<\/td>GEBACZPP<\/td><\/tr>
V\u0161eobecn\u00e1 \u00faverov\u00e1 banka a.s., pobo\u010dka Praha<\/td>K\u00f3d banky 6700<\/td>SUBACZPP<\/td><\/tr>
Sberbank CZ, a.s. v likvidaci<\/td>K\u00f3d banky 6800<\/td>VBOECZ2X<\/td><\/tr>
Deutsche Bank Aktiengesellschaft Filiale Prag, organiza\u010dn\u00ed slo\u017eka<\/td>K\u00f3d banky
7910<\/td>		DEUTCZPX<\/td><\/tr>
Raiffeisen stavebn\u00ed spo\u0159itelna a.s.<\/td>K\u00f3d banky 7950<\/td>–<\/td><\/tr>
\u010cSOB Stavebn\u00ed spo\u0159itelna, a.s.<\/td>K\u00f3d banky 7960<\/td>–<\/td><\/tr>
MONETA Stavebn\u00ed Spo\u0159itelna, a.s.<\/td>K\u00f3d banky 7970<\/td>–<\/td><\/tr>
Modr\u00e1 pyramida stavebn\u00ed spo\u0159itelna, a.s.<\/td>K\u00f3d banky 7990<\/td>–<\/td><\/tr>
Volksbank Raiffeisenbank Nordoberpfalz eG pobo\u010dka Cheb<\/td>K\u00f3d banky 8030<\/td>GENOCZ21<\/td><\/tr>
Oberbank AG pobo\u010dka \u010cesk\u00e1 republika<\/td>K\u00f3d banky 8040<\/td>OBKLCZ2X<\/td><\/tr>
Stavebn\u00ed spo\u0159itelna \u010cesk\u00e9 spo\u0159itelny, a.s<\/td>K\u00f3d banky
8060<\/td>		–<\/td><\/tr>
\u010cesk\u00e1 exportn\u00ed banka, a.s.<\/td>K\u00f3d banky
8090<\/td>		CZEECZPP<\/td><\/tr>
HSBC Continental Europe, Czech Republic<\/td>K\u00f3d banky 8150<\/td>MIDLCZPP<\/td><\/tr>
Sparkasse Oberlausitz-Niederschlesien<\/td>K\u00f3d banky
8190<\/td>		–<\/td><\/tr>
FAS finance company s.r.o.<\/td>K\u00f3d banky
8198<\/td>		FFCSCZP1<\/td><\/tr>
MoneyPolo Europe s.r.o.<\/td>K\u00f3d banky
8199<\/td>		MOUSCZP2<\/td><\/tr>
PRIVAT BANK der Raiffeisenlandesbank Ober\u00f6sterreich
Aktiengesellschaft, pobo\u010dka \u010cesk\u00e1 republika<\/td>		K\u00f3d banky
8200<\/td>		–<\/td><\/tr>
Payment execution s.r.o<\/td>K\u00f3d banky
8220<\/td>		PAERCZP1<\/td><\/tr>
ABAPAY s.r.o.<\/td>K\u00f3d banky
8230<\/td>		–<\/td><\/tr>
Dru\u017estevn\u00ed z\u00e1lo\u017ena Kredit, v likvidaci<\/td>K\u00f3d banky
8240<\/td>		–<\/td><\/tr>
Bank of China (CEE) Ltd. Prague Branch<\/td>K\u00f3d banky
8250<\/td>		BKCHCZPP<\/td><\/tr>
Bank of Communications Co., Ltd., Prague Branch od\u0161t\u011bpn\u00fd z\u00e1vod<\/td>K\u00f3d banky
8255<\/td>		COMMCZPP<\/td><\/tr>
Industrial and Commercial Bank of China Limited, Prague Branch,
od\u0161t\u011bpn\u00fd z\u00e1vod<\/td>		K\u00f3d banky
8265<\/td>		ICBKCZPP<\/td><\/tr>
Fairplay Pay s.r.o.<\/td>K\u00f3d banky
8270<\/td>		FAPOCZP1<\/td><\/tr>
B-Efekt a.s.<\/td>K\u00f3d banky
8280<\/td>		BEFKCZP1<\/td><\/tr>
Mercurius partners s.r.o.<\/td>K\u00f3d banky
8293<\/td>		MRPSCZPP<\/td><\/tr>
BESTPAY s.r.o.<\/td>K\u00f3d banky
8299<\/td>		BEORCZP2<\/td><\/tr>
Ferratum Bank plc<\/td>K\u00f3d banky
8500<\/td>		–<\/td><\/tr><\/tbody><\/table>
K\u00f3dy bank \u010cR<\/figcaption><\/figure>\n\n\n\n

K\u00f3d platebn\u00edho styku je v\u017edy \u010dty\u0159m\u00edstn\u00fd, tak\u017ee u ni\u017e\u0161\u00edch \u010d\u00edslic se uv\u00e1d\u00ed na za\u010d\u00e1tku 0, viz. p\u0159\u00edklad Komer\u010dn\u00ed banky. Chcete-li se o n\u011bkter\u00fdch ze zm\u00edn\u011bn\u00fdch bank dozv\u011bd\u011bt v\u00edce, p\u0159e\u010dt\u011bte si na\u0161e ov\u011b\u0159en\u00e9 recenze bank.<\/a><\/p>\n\n\n

<\/div>

Internetov\u00e1 banka Revolut<\/h3>Pokud se chcete st\u00e1t sou\u010d\u00e1st\u00ed revoluce bankovn\u00edch slu\u017eeb a d\u00e1le si nechcete nechat \u00fa\u010dtovat nesmysln\u00e9 poplatky, kter\u00fdmi se v cen\u00edku bank jenom hem\u017e\u00ed, pak bychom pro v\u00e1s m\u011bli alternativu v podob\u011b spole\u010dnosti Revolut<\/a>.<\/div>\n\n\n

Co je SWIFT k\u00f3d?<\/h2>\n\n\n\n

SWIFT (Society pro Worldwide Interbank Financial Telecommunication) je nadn\u00e1rodn\u00ed spole\u010dnost, kter\u00e1 prov\u00e1d\u00ed zahrani\u010dn\u00ed platebn\u00ed styk. <\/strong>SWIFT k\u00f3d banky je tedy zjednodu\u0161en\u011b \u0159e\u010deno adresa banky v mezin\u00e1rodn\u00edm form\u00e1tu.<\/p>\n\n\n\n

Tato slu\u017eba je v sou\u010dasnosti vyu\u017e\u00edv\u00e1na 11 000 bankami a finan\u010dn\u00edmi spole\u010dnostmi na cel\u00e9m sv\u011bt\u011b. Ka\u017ed\u00e1 banka nebo spole\u010dnost v t\u00e9to s\u00edti je identifikov\u00e1na jedine\u010dn\u00fdm k\u00f3dem BIC.<\/p>\n\n\n\n

Jak\u00fd je rozd\u00edl mezi SWIFT a BIC k\u00f3dem?<\/h2>\n\n\n\n

Pojmenov\u00e1n\u00ed BIC k\u00f3d se pou\u017e\u00edv\u00e1 pouze v SEPA z\u00f3n\u011b, respektive bankovn\u00ed z\u00f3n\u011b Evropsk\u00e9 unie, <\/strong>zat\u00edmco zkratce SWIFT rozum\u00ed cel\u00fd sv\u011bt.<\/p>\n\n\n\n

P\u0159enesen\u00edm do praxe to znamen\u00e1 n\u00e1sleduj\u00edc\u00ed \u2013 p\u0159i pos\u00edl\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f nap\u0159\u00edklad do USA nebo mimo Evropskou Unii je t\u0159eba p\u0159i platb\u011b zadat SWIFT k\u00f3d, zat\u00edmco v r\u00e1mci EU si vysta\u010d\u00edme s BIC k\u00f3dem.<\/p>\n\n\n\n

Dal\u0161\u00ed alternativy SWIFT k\u00f3du<\/h2>\n\n\n\n

Spole\u010dnost SWIFT se zab\u00fdv\u00e1 zprost\u0159edkov\u00e1n\u00edm mezin\u00e1rodn\u00edch plateb. D\u00edky jej\u00ed tradici a zejm\u00e9na velikosti je nepravd\u011bpodobn\u00e9, \u017ee ji v bl\u00edzk\u00e9 budoucnosti nahrad\u00ed n\u011bkdo z konkurence, ale zn\u00e1me i jin\u00e9 mo\u017enosti zprost\u0159edkov\u00e1n\u00ed plateb.<\/p>\n\n\n

<\/h3>\n\n