Established 13 years ago to compete with conventional banks by offering straightforward, customer-centric and innovative services, Air Bank is 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 for the past couple of years. Globally, few other neo-banks can match its size and profitability.
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PPF Financial Holdings
Air Bank
Air Bank regularly introduces pioneering financial services and solutions to the Czech market, leading the way with a strong focus on customers’ needs. This customer-first approach attracts new clients while increasing lending volumes and income from regular retail banking services.
In 2024, Air Bank attracted numerous accolades for its services, marketing, and customer-service standards. The My Air mobile app, the Air Bank current account, and the Air Bank loan all scooped up awards in the Golden Crown competition. The bank was also named Customer Bank of the Year in the CX ranking Top 100 brands, conducted by KPMG, and in doing so reclaimed its status as the Czech Republic’s customer-experience leader for the eighth time in a row. For the sixth time, it received the Randstad Employer Brand Award for the most attractive employer in the banking and insurance sector.
Air Bank is steadily advancing in the digitalisation of its services. By the end of 2024, more than 1.1 million people were using the bank’s mobile banking, with almost 500,000 unique customers logging in to the My Air app daily. Furthermore, 90% of all loan applications were submitted online.
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 P2P lending platform that has formally been part of Air Bank since 2021, continues to operate under its own name. In 2024, Air Bank launched an innovative payment solution under the newly established Cvak brand that uses account-to-account payments as an alternative to traditional card schemes.
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
|
2024 |
2023 |
2022 |
|
|
Number of clients |
1 440 000 |
1 240 000 |
1 070 000 |
|
Branches |
32 |
32 |
32 |
|
Employees |
1000+ |
1061 |
1050 |
Contacts
Air Bank
Evropská 2690/17
160 00 Praha 6
Czech Republic
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