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- Obligatory published information
Clients are approached with a request to provide the required information or documents through the following channels.
The AML questionnaire is displayed to selected clients in internet or mobile banking on a regular and recurring basis in order to comply with the mandatory periodic client due diligence under the AML Act. The questionnaire is used to confirm the identification details that we, as a bank, register about the clients and to collect other additional information.
The questionnaire is always displayed for one month, during which the client is obliged to fill in the required information. The client may confirm or not confirm the identification details. In the event of incorrect identification details shown in the questionnaire, the client is obliged to update such information in person at any branch of the bank, all in accordance with the bank's general business conditions.
We prefer internet and mobile banking for communications with clients. For the client, it is a convenient way to send us the required documents. By means of a message in mobile or internet banking, we may notify the client of an e-mail asking the client to provide the required information. It is necessary to respond to this e-mail.
If you note anything suspicious, hang up the call and contact the official info line. Learn how to prevent phishing (CZ).
In some cases, we may request additional documents, such as for transaction screening, regarding the politically exposed person status, etc. Such documents are most often requested via internet and mobile banking. We usually notify you of a message in internet banking by a mobile text message or e-mail.
In the case of e-mail communications, we usually communicate from [email protected].
Raiffeisenbank a.s. performs client due diligence to eliminate the risks of money laundering and terrorist financing to the greatest possible extent. Client due diligence is often known as "Know Your Customer". At the bank's request, every client is obliged to provide the information necessary for the due diligence and to submit the relevant documents. If the client fails to provide such cooperation or if the client due diligence cannot be carried out for any other reason, the bank must proceed in accordance with applicable laws.
The bank ascertains and evaluates information on the purpose and nature of the transaction or business relationship, the nature of business activities, information on the identification and verification of the client's beneficial ownership and identification of the client's management and ownership structure, and information on the origin of assets of a politically exposed person or on the application of international sanctions to the client. In accordance with Sec. 9a of Act No. 253/2008 Coll., the bank carries out enhanced identification and due diligence of clients with a high-risk third country as their country of origin, all at any time during the establishment or existence of the business relationship. The list of high-risk countries is determined on the basis of Commission Regulation (EU) 2016/1675 and the FATF list of high-risk countries. From the bank's perspective, AML (Anti Money Laundering) rules must be adhered to. These are anti-money laundering measures that are also intended to combat the financing of terrorism (CFT).
The bank treats all client data and submitted information in accordance with the principles of banking secrecy.