Client verification at a branch

When verifying a client in person at a branch, Czech nationals must present their ID card and EU foreigners must submit their ID card/passport or residence permit.

Clients who are nationals or permanent residents of a country outside the EU must submit an identification document and residence permit, as well as a document establishing the relationship to the Czech Republic, such as an employment contract, etc.

Clients from high-risk countries must also submit a document establishing the source of funds.

Establishing the source of income

Fact regarding the source	Additional information	Documents
Savings (from income)	Notification of income for previous periods Information about the employer, including the region of operations Over what period were the savings made	Tax return Confirmation of income Statement of bank account to which the income was transferred
Loan (borrowing or credit)	Amount and purpose of the loan Creditor information Loan provision date Loan maturity and existence of collateral	Collateral documents
Inheritance	Identity of the deceased Relationship to the deceased Date of acceptance of the succession share Total succession amount	Confirmation of a credit institution regarding received succession payment to the client's account Document confirming heir’s acceptance of the succession
Donation	Total amount of the donation Information about the donor Relationship of the donee to the donor Purpose of the gift Source of donated funds	Contract
Business income	Detailed information on the business and the entity Main or secondary business activity Sales (for cash deposits) Payment from the client's customer (for cash deposits)	Tax return Annual report Confirmation of payment by a competent person Statement of sales from the client's cash register system (cash statements, cash book statements, etc.) For payments from a customer – in cash, the client can receive a maximum of 270 thousand CZK - sale/service contract or invoice to be submitted
Sale of assets	Identification of the property sold Selling price Method of sale (auction, through an intermediary, private sale, etc.) Term of ownership of the property in question Sale date	Contract Extract from register, if the property is subject to registration
Dividend / profit share payment	Identification of the entity paying out the dividend or profit share	Audited annual report Regular or extraordinary financial statements Resolution to pay out dividends / distribute profits
Sale of securities	Type and form of securities, description Value of securities Method of sale Sale date Information on the investment term	Contract Shareholder certificate
Sale of a company or its part	Identity of the company sold, including the area of business Share amount Total selling price Sale date	Contract Confirmation from a credit institution of receipt of payment associated with the sale
Assignment (sale) of a receivable	Amount of consideration for the assignment of the receivable Nominal value of the receivable (principal and accessions) Identity of the assignee Client’s relationship to the assignee Assignment date	Agreement to assign receivables Documents confirming the existence of the receivable
Other source of income	Identification of the source and nature of the income Date of receipt	Relevant supporting documents