According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- 0
- KB+ (Internet and Mobile banking)
- MojeBanka
- Mobilní Banka
- None
- Unified commission rate for all stock markets, funds in partnership with Amundi
Our Evaluation of KB
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
KB is a broker with higher-than-average risk and the TU Overall Score of 3.68 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by KB clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable broker with better conditions, as, according to reviews, many clients of this broker are not satisfied with the company’s work.
How we tested KB
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at KB
KB, short for Komerční banka, is a Czech bank and brokerage firm owned by the French financial group Société Générale. It separated from the Czechoslovak State Bank in 1990 and became a joint-stock company in 1992. More than 1.7 million clients use KB’s services. The bank is regulated by the Czech National Bank (ČNB). For both corporate and private clients, KB offers access to trading stocks, ETF, bonds, and other assets on the Prague Stock Exchange (Burza cenných papírů Praha, BCPP) as well as on international markets. It also provides access to more than 100 investment funds and professional asset management services.
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- Reliability and stability, operating since 1990 as part of a major international group
- Wide selection of accounts and tariffs
- Low entry point, with regular investing available from as little as CZK 100 per month
- Diverse investment strategies ranging from conservative to aggressive
- Professional asset management by specialists from Amundi and KB Private Banking
- Flexible investment horizons: short, medium, or long term
- Convenient online access to portfolios, accounts, and reports
- Limited educational materials
- No 24/7 customer support for investor clients
TU Expert Verdict
Chief Analytics Officer
KB is a Czech bank and brokerage firm that offers both banking and investment services, providing access to trading stocks, bonds, ETFs, physical gold, and other capital market products in the Czech Republic and international markets. The bank supports investing through account tariffs named Start, Standard, Komfort, and Exclusive, with flexible minimum deposit options starting from CZK 0 or regular investing from as little as CZK 100 per month. KB operates its proprietary KB+ platform, MojeBanka, and Mobilní Banka, enabling online and mobile management of portfolios, and is regulated by the Czech National Bank in compliance with European MiFID II standards.
KB has some drawbacks, including higher commissions of 0.23% per trade with minimum charges for each main market, product access that is limited compared to global brokers, and the absence of leverage for investment activities. Customer support does not operate 24/7, and available educational resources are minimal. KB is most suited for Czech-based investors seeking a regulated environment to trade traditional assets with direct banking integration but may not be suitable for those who require advanced trading tools, lower costs, or broader international product access.
KB Summary
Your capital is at risk. The risk of loss in online trading of stocks, options, futures, currencies, foreign equities, and fixed Income can be substantial.
| 💻 Trading platform: | KB+ (Internet and Mobile banking), MojeBanka, Mobilní Banka |
|---|---|
| 📊 Accounts: | Brokerage and banking accounts with Start, Standard, Komfort, Exclusive tariffs |
| 💰 Account currency: | 13 currencies |
| 💵 Deposit / Withdrawal: | SEPA bank transfers, credit/debit cards, mobile and online banking |
| 🚀 Minimum deposit: | 0–169 CZK depending on account tariff |
| ⚖️ Leverage: | None |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | CZK 100 |
| 💱 EUR/USD spread: | N/A |
| 🔧 Instruments: | Stocks, bonds, treasury bills, deposits, physical gold, credit instruments, currencies, commodities, capital market products |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | N/A |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | No |
| 📋 Order execution: | Exchange-based |
| ⭐ Trading features: | Unified commission rate for all stock markets, funds in partnership with Amundi |
| 🎁 Contests and bonuses: | Yes |
Investors can choose between two investment options: regular (from CZK 100) or one-off (minimum CZK 5,000). KB also offers the possibility to buy and sell investment gold in bars. The first deposit amount depends on the selected tariff plan. Investments can be made through both online and mobile banking. To support clients, the broker provides consultations by phone and in branches.
KB Key Parameters Evaluation
Trading Account Opening
To become a KB client:
Install the KB+ app using the QR code or from the app store.
Select one of the tariffs: Start, Standard, Komfort, or Exclusive, and activate it directly in the app.
If you are already using older apps such as Mobilní banka or the previous online banking version, you can select a tariff later once your access is migrated to KB+.
Assistance with choosing a tariff is available at branches or through the hotline.
KB’s user account features allow traders to:
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View the current investment portfolio.
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Submit online orders to buy and sell securities on the Prague Stock Exchange and foreign markets.
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Access historical data and portfolio movement reports.
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Track profit/loss and current asset valuation at market prices.
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View statements and transaction confirmations.
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Access Komerční banka news and analytics.
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Set filters and notifications for operations.
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Convert currencies for securities settlements.
Is KB Safe?
Komerční banka operates as an investment bank and service provider under a license from ČNB, issued under the Capital Market Trading Act.
The bank complies with European regulations, including MiFID II (Directive 2014/65/EU), MiFIR (Regulation (EU) No 600/2014), and PRIIPs requirements. KB also publishes mandatory disclosures and financial stability reports, ensuring transparency and regulatory oversight.
Advantages
- Client funds are segregated from broker capital
- Operations conducted under legal contracts
- Transparent commissions and mandatory risk disclosure
Disadvantages
- Higher commissions due to regulatory costs
- Restricted access to some products and strategies
- More formalities when opening and maintaining accounts
Commissions and Fees
For trades on the BCPP within the Czech Republic, KB charges 0.23% of the trade volume, with a minimum of CZK 90. For U.S. exchanges, the rate is 0.23% with a minimum of USD 4. For EU, UK, and Swiss markets, the rate is 0.23% with a minimum of EUR 6. Custody fees are 0.06% per year, calculated monthly based on daily balances. For foreign securities, the custody fee is 0.03% annually.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Brokerage account | CZK 90 / $4 / EUR 6 | Yes, for international withdrawals |
Service fees depend on the tariff plan, ranging from CZK 0 to 169 per month.
Account Types
KB offers current, multi-currency, and savings accounts, as well as accounts for children and young people aged 15 to 26. To begin investing, clients must open a current account and select a tariff plan.
For currency trading, registration in the eTrading system is required, which also includes a demo mode. Daily banking tariffs determine card and account maintenance costs, while the KB Brokerage Account functions separately for market transactions.
Deposit and Withdrawal
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Deposits and withdrawals are available via bank transfers (domestic and SEPA), credit/debit cards, mobile and online banking.
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Transfers within KB accounts are credited the same day, SEPA transfers in one business day, international transfers in 2–3 days.
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Standard bank transfer fees apply.
Investment Options
For retail clients, KB offers investments in more than 100 funds by Amundi, the largest asset manager in Europe by turnover, part of Crédit Agricole. The funds cover different levels of risk and return, with investment horizons from a few years onward.
Amundi funds – passive investing via KB
Investors can select a fund themselves or request help from KB advisors. The broker offers free financial planning support and consultations on its own products and those from partners.
Key features of investing through KB funds:
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Choice of fund type: short-term, equity, bond, or mixed.
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Minimum investment of CZK 100 per month.
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Option for one-off or regular investments.
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Investment horizons of 2, 3, 5 years or more.
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Funds available in CZK, USD, EUR, and JPY.
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Multi-currency accounts to avoid conversion fees.
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Management through MojeBanka online banking or Mobilní banka apps.
KB partnership program
KB does not publicly list a referral or affiliate program with rewards for bringing in new clients.
Customer Support
KB’s hotline operates Monday to Friday from 07:00 to 22:00 and on weekends from 08:00 to 22:00 in Czech. English-language support is available on a separate line Monday to Friday from 08:00 to 16:00 CET/CEST.
Advantages
- Multilingual support with a dedicated English-language line
- Wide coverage across phone, online, and branches
Disadvantages
- No 24/7 support
- No website chat
Available communication channels:
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Email.
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Call center.
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Online chat in mobile and online banking.
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Branch offices.
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Facebook.
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Social media: X, Instagram, LinkedIn.
Chat support in the KB+ app is available Monday through Friday from 08:00 to 17:00. Outside these hours, a virtual assistant named Ruby provides automated responses.
Contacts
| Foundation date | 1990 |
|---|---|
| Registration address | Praha 1, Na Příkopě 33 čp. 969, 114 07, P.O. BOX 839 |
| Regulation |
ČNB
Licence number: 45317054 |
| Official site | https://www.kb.cz/cs/obcane |
| Contacts |
800 521 521, 955 551 505
|
Education
KB provides educational materials on investing and financial markets, including articles, guides, and reference resources. They are available within the support sections and product descriptions rather than through a dedicated learning portal.
KB webinars are mostly focused on ESG, sustainable finance, and energy-saving topics, rather than stock market instruments.
Detailed review of KB
KB provides clients with access to financial markets and personalized consultations on hedging and investments in capital markets and securities. Its experts develop tailored strategies for each client and adjust them as market conditions change. Analysts prepare forecasts for the Czech Republic and Slovakia, covering macroeconomic indicators and major market trends, as well as reports on leading stocks listed on the Prague Stock Exchange.
KB by the numbers:
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Operating since 1990.
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More than 1.7 million clients.
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Access to 100+ investment funds.
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More than 7,500 employees.
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Net profit in 2024 of 17.2 billion CZK.
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Client assets of 278.8 billion CZK.
KB – broker with access to Czech and international markets
KB is a member of the Prague Stock Exchange, giving clients direct access to the Czech market as well as major global exchanges, including opportunities to participate in IPOs. For retail investors, the Online Portfolio service enables online order management, while KB Dealing provides access to foreign markets.
Online Portfolio is a web-based platform for submitting buy and sell orders on the Prague Stock Exchange. It is not a full trading platform like MT4 or Xetra but rather a client interface for investment transactions. KB Dealing is a service that connects clients to KB’s dealing desk for executing orders on international exchanges.
Useful services from KB:
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Economic and strategic research by KB’s in-house department, with forecasts for the Czech and Slovak economies and stock analyses.
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Market data, including analytics on currencies, capital markets, bonds, and commodities.
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KB eTrading, an electronic platform for term deposits and FX transactions such as FX SPOT, FX FORWARD, and FX SWAP.
Advantages:
High reliability and long track record.
Broad product set, including investment funds, ESG funds, gold, and personalized management.
Diversification opportunities across assets and regions.
Portfolio reporting and commentary from portfolio managers.
Market analytics and research.
Both self-directed and collective investing.
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