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Airbank campaign 2024

PPF Financial Holdings

Air Bank

Established 12 years ago to compete with conventional banks by offering straightforward, customercentric and innovative services, Air Bank is a next-generation retail and hyper-digital bank. Air Bank’s goal is to be the first choice retail bank on the market. It is the fastestgrowing neo-bank in the Czech Republic. Globally, only a few banks of this kind can match its size and profitability.

Air Bank routinely introduces innovative financial services and solutions to the Czech market and leads the way by focusing on customers’ needs. Its customer-centric approach attracts new clients while increasing the lending volume and income from regular retail banking services. At the end of 2023, Air Bank was serving over 1.2 million customers via 1,061 employees at 32 branches across the Czech Republic.

Air Bank

Air Bank is steadily advancing the digitalisation of its services. By the end of 2023, more than 972,000 people were using Air Bank’s mobile banking, with 57% of new accounts being opened and 90% of all loan applications being submitted online.

In 2023, the bank introduced several services, including services for the business community. It expanded its range of mortgage services to include the option of mortgages for foreign real estate and other features. It rolled out a new service designed to help people manage their household cash flow when faced with an unexpected expense.


Unity, a new brand shared by Air Bank and O2 (both part of PPF Group) that delivers benefits to clients when they use the services of both companies, received a strong market response. The number of clients signing up for this off er in the 2023 pilot phase exceeded expectations. In June 2023, Air Bank announced that it would be continuing its agreement with three other banks to share ATMs in the Czech Republic. Zonky, the P2P lending platform which has formally been part of Air Bank since 2021, continues to off er services branded under its own name. In 2024, Air Bank launched a new globally unique payment solution under the newly established Cvak brand and it plans to exounts (75% online), applying for loans (88% online), or taking out travel insurance (91% online).

Air Bank's Values

In February 2023, the Czech and Slovak arms of Home Credit became subsidiaries of Air Bank a.s. The change was a formal switch aimed at optimising synergies, especially in operations. These companies continue to do business independently, maintaining their individual brands and distinct management structures.

Air Bank

Multiple Awards

In 2023, Air Bank attracted multiple awards for its services, marketing, and standard of customer service. The My Air mobile app, the Air Bank current account and the Air Bank loan all scooped awards in the Golden Crown competition. The bank was also named Customer Bank of the Year and in doing so reclaimed its status as the Czech Republic’s customer-experience leader. For the fifth time, it took the top spot as the most attractive employer in the banking and insurance industry.

Air Bank has committed itself to socially responsible business, increasing transparency in the provision of financial services and cultivating the consumer lending market. Both Air Bank and Zonky loans regularly rank at the top of the People in Need Responsible Lending Index.

“We are keen to remain a friendly bank that can help people understand their money in as many areas as possible with simple and friendly services.”

Michal Strcula

Air Bank CEO

Air Bank's Growth



Number of clients 

1 240 000

1 070 000







Air Bank Clients

Customer focus

Air Bank's growth

Air Bank's clients


Air Bank

Evropská 2690/17
160 00 Praha 6
Czech Republic