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In domestic payments, we offer processing of incoming and outgoing payments in Czech Crowns within the Czech Republic.
You can send money from your account to any account conveniently, easily and promptly. For recurring payments, you can set up a standing payment order.
In foreign payments, we offer processing of incoming and outgoing payments in foreign currencies to or from foreign countries and within the Czech Republic. Also, payments in Czech crowns to or from foreign countries are considered foreign payments.
The order for placing a foreign payment is automatically activated in the menu of your account when opened. Also, you may send a foreign payment in person at any branch office of our bank.
Placing an outgoing payment
The mandatory requisites of a payment order as well as other conditions applicable to outgoing foreign payments are stated in the Technical Conditions for Payments. You may place a payment order:
The condition for realization of a payment is that you complete all the prescribed fields of the payment order Foreign Payment Order and that your account shows sufficient funds.
For cross-border payments made within the Member States of the European Union and the European Economic Area, you must enter the BIC of the beneficiary's bank and the beneficiary's account number in the IBAN format. If failing to enter this information, you may be charged for additional expenses associated with finding and completing the required data for smooth processing of your payment.
From September 1, 2018 all Outgoing Payments to the United Arab Emirates must include the purpose code of the payment. Detailed information, input method and code list are available here.
From May 31, 2021 all Outgoing Payments to Bahrain must include the purpose code of the payment. Detailed information, input method and codelist are available here.
From January 1, 2019 all outgoing payments to Israel must include a valid IBAN account format of the beneficiary.Missing IBAN account format of the beneficiary can lead in an extension of the deadline for crediting of payment to the beneficiary or non-execution and return of the payment, which can result in posting of additional charges of payee’s and payer’s banks.
The United Kingdom has left the European Union on 1st February 2020. For a further 11 months, an agreement on a transitional period for membership of the European Economic Area (EEA) was in force.
As of 1st January 2021, the United Kingdom is no longer a member of the EEA and is not subject of REGULATION (EU) 2019/518 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL, which regulates cross-border payment charges in EUR within the EEA.
As a result, there has been a change in the fees for foreign payments from / to the United Kingdom in EUR. These fee is newly same as for standard foreign payments according to the valid price list of the relevant price program.
Incoming foreign payments
All incoming foreign payments received within the cut-off times for the processing of foreign payments are credited on the day when the payment is received (i.e. D+0). The condition for crediting a payment to your account is that your business partner enters the correct bank details; thus, an incoming payment order from abroad must contain the following information:
|Beneficiary's account number (24 digits)||CZXX5500XXXXXXXXXXXXXXXX|
|Beneficiary's account name||The name under which the account is maintained by Raiffeisenbank|
|Beneficiary's address||Street, city, postcode, country|
|Name of the beneficiary's bank||Raiffeisenbank a.s., Prague, Czech republic|
|SWIFT address of the beneficiary's bank (BIC)||RZBCCZPP|
|Information on Payment Systems Time Limits|
|Foreign Payment Order|
|European Economic Area Countries|
|The list of Intragroup banks|
|Purpose of payment to UAE|
|Outgoing payments to UAE|
|Mistakenly transferred funds - corporate|
|Mistakenly transferred funds - natural person|
|Mistakenly transferred funds - cash|
|Purpose of payment to Bahrain|
|Outgoing payments to Bahrain|
|Instructions for payments in rubles|
|List of codes for transactions by residents and non-residents (vo codes)|