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Air Bank

PPF Financial Holdings

Air Bank

Established 14 years ago to challenge conventional banks by offering straightforward, customer-centric, innovative services, Air Bank operates as a next-generation retail bank. It is well on the way to achieving its goal of becoming the market’s first-choice retail bank, having been the fastest-growing bank in the Czech Republic over the past several years. Globally, few other neo-banks can match its size and profitability.

Customer focus

Air Bank's growth

Contacts

Air Bank
E
info@airbank.cz
www.airbank.cz

Evropská 2690/17
160 00 Praha 6
Czech Republic

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Related

Air Bank

11/8/2026

PPF to establish investment company for Air Bank and PPF bank clients. Portfolio Managers Michal Semotan and Patrik Hudec are joining the Group

PPF is significantly expanding its investment and asset management capabilities. Experienced portfolio managers Michal Semotan and Patrik Hudec are joining the Group to help establish a new investment company focused on investment products for clients of PPF Group’s financial institutions.

Air Bank

25/7/2024

Our strategy is the same as Apple’s. We won’t be buying another bank, says Air Bank’s Strcula

Air Bank

15/4/2024

PPF launches Unity platform with Air Bank and O2

PPF Group announces the launch of Unity, a platform that enables selected consumer-focused Group companies to provide their joint offerings of services and products to existing and new customers. Unity is the result of a pilot project between two of the largest Czech consumer brands in PPF's portfolio, Air Bank and O2.

Air Bank

1/4/2022

Air Bank Group - Unaudited combined financial results for 2021

AIR BANK GROUP DELIVERS CZK 2.252 BILLION NET PROFIT IN 2021, A 50% INCREASE YEAR ON YEAR. RESULTS DEMONSTRATE ENCOURAGING PERFORMANCE ACROSS ALL OF ITS BUSINESS UNITS AHEAD OF MONETA MERGER

Air Bank

19/11/2021

Air Bank Group Unaudited Combined Financial Results for Q3 2021

AIR BANK GROUP DELIVERS CZK 1.472 BILLION PROFIT FOR THE YEAR TO DATE - A 16.9% RISE IN NET PROFITS YEAR ON YEAR - DEMONSTRATES SOLID GROWTH FOUNDATION IN PLACE TO CAPITALISE ON CONTINUED ECONOMIC RECOVERY

Air Bank

2/7/2021

Air Bank continues to fulfil its parent company PPF’s vision of being a digital financial institution for the general public. It will offer online investment platform Portu directly in the My Air mobile app

Making financial market opportunities more accessible to the general public is an obvious and positive trend in Western Europe and the United States. Air Bank, as a leader in Czech digital banking, is now bringing its clients the online investment platform Portu, which allows them to quickly and easily invest, directly from within the My Air mobile app.

Air Bank

11/3/2021

2020 unaudited combined financial results of Air Bank Group

THANKS TO ITS DIGITAL DISTRIBUTION AIR BANK GROUP GAINED 173,516 NEW CLIENTS AND DELIVERED CZK 1.5 BILLION NET PROFIT IN 2020, DEFYING COVID.

Air Bank

Multiple Awards

Air Bank is committed to socially responsible business practices, promoting transparency in the provision of financial services, and cultivating the consumer lending market. Both Air Bank and Zonky loans consistently 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

2025

2024

2023

2022

Number of clients 

1 600 000

1 440 000

1 240 000

1 070 000

Branches

32

32

32

32

Employees

1000

1000+

1061

1050

Air Bank regularly introduces pioneering financial services and solutions to the Czech market, leading the way with a strong focus on customer needs. This customer-first approach attracts new clients while increasing lending volumes and income from regular retail banking services. By the end of 2025, Air Bank was serving over 1.6 million customers, supported by over a thousand employees across 32 branches in the Czech Republic.

Air Bank

In 2025, Air Bank received numerous accolades recognising its services, marketing, and customer-service standards. The My Air mobile app and the Zonky loan were both awarded prizes in the Golden Crown competition. Air Bank was also named Customer Bank of the Year in the CX Top 100 Brands ranking compiled by KPMG, thereby affirming its status as the Czech Republic’s customer-experience leader for the ninth consecutive year. The My Air mobile app also emerged victorious from this survey. In addition, Air Bank received the Randstad Employer Brand Award for the most attractive employer in the banking and insurance sector for the seventh time.

In 2025, Air Bank further consolidated its position as one of the leading retail banks in the Czech Republic, delivering strong financial results, expanding its product offering, and continuing to enhance its digital services.

Air Bank

In 2024, the bank introduced several services, including for the business community. It expanded its range of mortgage services to include options for foreign real estate and other features. It rolled out a new tablet-based service model featuring the familiar My Air mobile app interface across all branches, which is set to further enhance the already exceptional usage of the app. 

Air Bank broadened its offering by incorporating personal investing in US stocks and European ETFs into the mobile app. This service, the first of its kind on the market, is fully localised in Czech. Unity, a new brand launched in 2023 and born of a collaboration between Air Bank and O2 (both part of PPF Group), has received a strong market response by offering benefits to clients when they draw on the services of both companies. 

Air Bank's Values
Simplicity
Truthfulness
Courage
Friendliness

Zonky, the peer-to-peer lending platform that has formally been part of Air Bank since 2021, continues to operate under its own brand. The innovative payment solution Cvak, introduced in 2024, expanded into larger retail through a pilot collaboration with the Albert supermarket chain and into online shopping via the Comgate payment gateway. 

Air Bank is committed to socially responsible business practices, promoting transparency in the provision of financial services, and contributing to the development of the consumer lending market. Loans provided by both Air Bank and Zonky consistently rank at the top of the People in Need Responsible Lending Index.