How to connect a bank

Fio banka: API token

1. Open Nastavení → API. In Fio internet banking, click Nastavení (settings) at the top right and open the API tab.
2. Add a view-only token. Choose the account and set the rights to Pouze sledovat účet (view only). Set the validity (180 days at most) and turn on extending it at login.
3. Confirm and wait. Authorise the token, copy all of it (64 characters) and wait about 5 minutes for Fio to activate it.
4. Paste the token into the app. More → Banks → Connect a bank → Fio banka, paste the token and tap Connect. Create a separate token for each account.

History: the bank gives 90 days through the API; add older movements with a statement. Validity: with extension on, the token does not expire as long as you log in to Fio at least once in 180 days. Fio allows one load per token every 30 seconds, so create a separate token for the app.

Sources: Fio banka: API Bankovnictví; Fio banka: API Plus

Banka CREDITAS: API key

1. Open the keys. At banking.creditas.cz, choose Správa (administration) in the main menu, then Otevřené bankovnictví → Klíče (open banking, keys) at the top.
2. Create a new key. Tap Vytvořit nový klíč (create a new key), choose the account, enter a name and the read permission type.
3. Confirm. Accept the CREDITAS API terms and authorise the key. Copy the key (64 characters).
4. Paste the key into the app. More → Banks → Connect a bank → Banka CREDITAS, paste the key and tap Connect.

History: up to 1 year through the API; add older movements with a statement. The bank decides how long a key is valid. A key always belongs to one account: create another key for another account.

Sources: Banka CREDITAS: Otevřené bankovnictví a CREDITAS API, manuál; Banka CREDITAS: Jak vytvořit bezpečnostní klíč

MONETA Money Bank: API token (sole traders and companies)

1. Set up the API at the bank. In Internet Banka, arrange API access under Integrace a API. It is for business accounts.
2. Create a token. Nastavení → Ostatní → Správa API tokenů. Pick the account and leave read rights only.
3. Paste the token into the app. More → Banks → Connect a bank → MONETA Money Bank, paste the token and tap Connect.

A personal account can't connect this way: MONETA issues API tokens only to sole traders and companies. We will connect personal accounts through a licensed PSD2 provider once it runs. Until then, tap Chci napojení and upload statements.

Sources: MONETA Money Bank: API pro živnostníky a firmy; MONETA Money Bank: Zvláštní podmínky služby přístupu přes API, bod 4

Forwarding notices: for any bank

Banks can send an e-mail about every payment. In the app you get an address for that one account, enter it at the bank or forward to it from your own mailbox, and the payment appears in the app as soon as the bank sends the notice. You give no access to the account: no token, no password.

1. Choose the bank. More → Banks → Connect a bank → your bank → Connect by forwarding notices. Your address appears.
2. Enter the address. Set it at the bank for notices of incoming and outgoing payments; the steps are below. If the bank takes only one address, keep your own there and forward from your own mailbox.
3. Link the account. In the app, choose which account the payments go to.
4. Try it. Send yourself a 10 CZK payment. If an address confirmation is due (Gmail, CREDITAS), the code or link shows up in the app at that bank.

Payments load from the moment of setup; upload a statement for older ones. A program reads the e-mail: it picks out the amount, date, counterparty and message and does not keep the text. What the bank leaves out of a notice will be missing in the app. Without the Bank plan we do not read the e-mails. Keep the address to yourself: anyone who knows it can send a mail that looks like a payment. After disconnecting, the address stops working.

Forwarding: where to set it at your bank

1. Česká spořitelna (George). Gear icon → Kontaktní údaje → Upravit a zobrazit → Upravit e-mail → Potvrdit. Then gear icon → Informační zprávy → Příchozí platby → Aktivovat, choose the account and channel, Potvrdit; the same for Odchozí platby. The bank has one e-mail for all its messages: change it and they stop coming to you, so better keep yours and forward from your own mailbox.
2. Komerční banka. KB+: Nastavení → Oznámení → Příchozí platby, Odchozí platby → the E-mailem switch; KB+ takes one address only, so forward from your own mailbox. Older internet banking: gear icon → Nastavení oznámení → Přidání nového příjemce, then Oznámení o platbách → Platby: Příchozí and Odchozí Všechny, channel Email. Not available in the mobile app.
3. ČSOB. Nastavení → Moje info → Účty a platby → the account → Telefonní číslo a e-mail, enter the address and save. Then Platby → Zaúčtovaná platba → e-mail, incoming and outgoing, save. In CEB: Nastavení → CEB info → Účty a platby → Nová notifikace → Zaúčtování platby → Všechny pohyby.
4. Air Bank. On a computer only: Účty a karty → the account → Možnosti → Info o dění na účtu → Jiný kontakt, field Mail → Informace o změně zůstatku by mail, with the lowest threshold → Pokračovat.
5. Raiffeisenbank. Nastavení → Upozornění → Informuj mě → Nové upozornění: Směr pohybu Všechny, Částka od 0 CZK, Zadat nový email.
6. UniCredit Bank. Nastavení → Notifikace → Vytvořit notifikace pro transakce → Všechny transakce above 1 CZK, Emailová adresa → Uložit. The notice carries no balance.
7. MONETA Money Bank. Nastavení → Osobní → Upozornění - Info Servis → Přidat upozornění → Účty → Vyberte účet → Potvrdit výběr → Pokračovat → E-mail for Odchozí and Příchozí platba, Od: at least 100 CZK → Pokračovat → E-mail → Uložit nastavení. The bank sends no notice below 100 CZK.
8. Fio banka. Nastavení → Oznámení → Uživatelská oznámení → Pohyby → Přidat Oznámení: Kam posílat E-mail, Jiný email, the address, Částka 0,01, Posílat online → Odeslat. Fio also connects with a token, the better way.
9. Banka CREDITAS. In the old internet banking, Creditas One has no e-mails yet: Profil → Osobní informace → Autorizační údaje → Autorizační email → Jiný email, SMS code; the confirmation shows up in the app. Then Správa → Spravovat notifikace → a new notice of a change on the account: balance change above 1 CZK, by e-mail. CREDITAS also connects with a key, the better way.
10. mBank and other banks. Look for Oznámení, Upozornění or Notifikace: incoming and outgoing payments, all amounts, by e-mail. We have not verified the exact steps.

The steps come from Fakturoid's public guides to payment matching (read 05.11.2026). We have not tried them on a personal account and banks change them, so yours may differ. Banks treat card payments differently in their notices: check with your first payment.

Sources: Fakturoid: Česká spořitelna; Fakturoid: KB; Fakturoid: ČSOB; Fakturoid: Air Bank; Fakturoid: Raiffeisenbank; Fakturoid: UniCredit; Fakturoid: MONETA; Fakturoid: Fio; Fakturoid: CREDITAS

Forwarding from your own mailbox: Gmail and Seznam

If the bank takes only one address, keep your own there and forward only the e-mails from the bank. The rest of your mail does not come to us.

1. Gmail: add the address. On a computer: Settings → See all settings → Forwarding and POP/IMAP → Add a forwarding address → Next, Proceed, OK. Keep Disable forwarding on, or all your mail would go.
2. Gmail: confirm. Gmail sends a verification message to the address. The code and link show up in the app at that bank.
3. Gmail: the filter. In the search box → Show search options → From: the bank's address, To: your address → Create filter → Forward it to: the address from the app → Create filter. Several accounts: put the account number in Has the words, one filter per address.
4. Seznam. On a computer: gear icon bottom left → Pravidla → Vytvořit nové pravidlo → Pravidlo je aktivní → Od / Obsahuje: the bank's address → Přidat podmínku Pro / Obsahuje: your address → action Pošli kopii: the address from the app → Uložit. Several accounts: condition Zpráva / Obsahuje: the account number.

Sources: Google: Automatically forward messages; Fakturoid: forwarding from Gmail; Fakturoid: forwarding from Seznam

Česká spořitelna, ČSOB, KB, Air Bank, Raiffeisenbank, mBank, UniCredit and others

We also want to connect these banks directly, through a licensed PSD2 provider. It is not running yet. You would confirm access by signing in to your bank; it is read-only, lasts at most 180 days, and the app reminds you a week before it ends. A bank usually gives 90 days of history through the API. For ČSOB and UniCredit the provider does not guarantee the function yet.

We launch by demand: in More → Banks, choose your bank and tap I want this bank. Until then, use forwarded notices or an account statement.

Without a connection: account statement

Works with any bank and on any plan, and you need no account for it. Older movements the bank does not give through the API can be added the same way.

1. Download a statement. In your internet banking, download the account movements as CSV, or as XML (camt.053, ČSOB), MT940 or GPC (ABO) if the bank offers them.
2. Upload it. More → Statement import → Choose a statement file.
3. Check the columns. The app shows which column is which. Check the mapping and confirm. Movements already in the app are recognised and skipped.