# Platba na kontakt

> Source: https://docs.barcoder.ai/docs/standards/platba-na-kontakt
> research date 2026-05-29 · extracted at 2026-10-04
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Platby na kontakt — ČSOB](https://www.csob.cz/lide/ucty/platby/platby-na-kontakt)
- [Platba na kontakt — Česká spořitelna](https://www.csas.cz/cs/page/platba-na-kontakt)

## Overview

> **Note on classification.** This entry was originally bucketed as a QR standard, but platba na kontakt is **not a QR-symbol standard** — it is a phone-number-addressed P2P service. Reclassified as `Phone P2P`. The wiki shows no playground because there is no QR payload to encode; the slug is retained to avoid breaking incoming links.

**Platba na kontakt** ("Payment to contact") is **the Czech Republic + Slovakia interbank phone-number-addressed payment service** launched by a **6-bank consortium**: **Air Bank, Česká spořitelna, ČSOB, Fio Banka, Komerční Banka, Raiffeisenbank** <sup>[1][1], [2][2], [Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup>. Users register their **Czech or Slovak mobile number with their bank**, which is linked to their account. When money is sent, the system matches the number to the recipient's account, **eliminating the need to enter full bank-account details**. ČSOB was among the **first banks to launch** the service, leveraging its **1.2 million ČSOB Smart mobile-app users** as the initial addressable base. **Moneta Money Bank and UniCredit set to join in 2024** — expanding the service to ~all major Czech + Slovak banks.

Maximum payment amount is currently **CZK 5,000 (~US $215)** — explicitly small-payment-focused. Users must use the service **every 6 months to maintain the phone-account link**. Only **~10 % of users have adopted** the service despite availability — suggesting **structurally distinctive feature for specific use cases (small everyday transfers) rather than universal-adoption pattern of peer phone-addressed services like [Bizum](https://docs.barcoder.ai/docs/standards/bizum) ES, [PayNow QR](https://docs.barcoder.ai/docs/standards/paynow-qr) SG, [MIA QR](https://docs.barcoder.ai/docs/standards/mia-qr) MD**. The service represents Czech-Slovak bank-consortium-cooperation in mobile-payment-addressing standardisation.

## History

**Background — Czech + Slovak payment landscape** <sup>[Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup>:
- **Česká národní banka (ČNB)** + **Národná banka Slovenska (NBS)** — central banks.
- Multiple Czech + Slovak banks: ČSOB, Česká spořitelna, Komerční Banka, Raiffeisenbank, others.
- Pre-Platba na kontakt: account-number-based transfers required.

**Platba na kontakt launch by 6-bank consortium** <sup>[2][2]</sup>:
- Air Bank + Česká spořitelna + ČSOB + Fio Banka + Komerční Banka + Raiffeisenbank.
- Phone-number-to-account-linking service.

**Czech + Slovak mobile-number coverage only** <sup>[2][2]</sup>:
- Specifically Czech + Slovak phone numbers.

**2024 — Moneta + UniCredit joining** <sup>[2][2]</sup>:
- 6+2 = 8 banks.

## Technical specification

Platba na kontakt is **Czech-Slovak 6-bank-consortium phone-addressed payment service** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Consortium banks (6 founding)** | **Air Bank, Česká spořitelna, ČSOB, Fio Banka, Komerční Banka, Raiffeisenbank** |
| **2024 additions** | Moneta Money Bank, UniCredit |
| **Phone-number scope** | **Czech + Slovak mobile numbers only** |
| **Currency** | CZK (Czech koruna), EUR (Slovak euro) |
| **Maximum payment** | **CZK 5,000 (~$215)** |
| **Re-linking requirement** | Every 6 months |
| **Adoption rate** | ~10 % of users |
| **Cross-bank reach** | Yes (consortium-coordinated) |

**Re-linking requirement** <sup>[2][2]</sup>:
- Every 6 months phone-account link must be refreshed.

**ČSOB 1.2M-customer potential addressable base** <sup>[2][2]</sup>:
- Significant single-bank-driven adoption potential.

## Use cases

**Small P2P transfers** <sup>[2][2]</sup>: Cardinal — CZK 5,000 limit.

**Cross-bank (consortium)** <sup>[1][1]</sup>: 6-8 participating banks.

**Czech + Slovak cross-border** <sup>[2][2]</sup>: Both currencies + phone-number scopes.

**Friend-and-family payments** <sup>[2][2]</sup>: Small everyday amounts.

## Implementations & ecosystem

**Consortium banks (6 founding + 2 joining 2024)**:
- **Air Bank** (PPF Group).
- **Česká spořitelna** (Erste Group).
- **ČSOB** (KBC Group).
- **Fio Banka** (Fio Group).
- **Komerční Banka** (Société Générale).
- **Raiffeisenbank** (RBI).
- **Moneta Money Bank** (joining 2024).
- **UniCredit** (joining 2024).

## Fun facts

- **6-bank consortium founding**: Czech bank-cooperation pattern.
- **Czech + Slovak mobile numbers**: Cross-border within historical Czechoslovakia geographical scope.
- **CZK 5,000 limit**: Small-payment-focused design.
- **6-month re-linking**: Account-link maintenance requirement.
- **~10% adoption rate**: Structural-distinctive — suggests specific-use-case rather than mass-adoption pattern.
- **2024 Moneta + UniCredit expansion**: Continuing consortium growth.
- **ČSOB Smart 1.2M-customer base**: Major distribution potential.

## Comparison

| Feature | Platba na kontakt (CZ+SK) | [MIA QR](https://docs.barcoder.ai/docs/standards/mia-qr) (MD) | [Bizum](https://docs.barcoder.ai/docs/standards/bizum) (ES) | [Blink](https://docs.barcoder.ai/docs/standards/blink) (BG) Mobile Lookup | [Interac QR](https://docs.barcoder.ai/docs/standards/interac-qr) (CA) |
|---|---|---|---|---|---|
| Operator | Czech 6+2 bank consortium | NBM (central bank direct) | Bizum SL | BORICA AD | Interac Corp. |
| Phone-number addressing | Yes | Yes | Yes | Yes | Yes (e-Transfer) |
| Maximum payment | **CZK 5,000 (~$215)** | n/a | EUR 1,000 (consumer) | n/a | High |
| Adoption | **~10%** | 50 % adults | 70 % adults | High | Universal |

## Status

**Active, growing** <sup>[1][1], [2][2]</sup>:
- **6 founding banks + 2 joining 2024**.
- **Czech + Slovak phone-number scope**.
- **Small-payment focus** (CZK 5,000 limit).

## Sources

[1]: https://www.csob.cz/lide/ucty/platby/platby-na-kontakt "Platby na kontakt — ČSOB"
[2]: https://www.e15.cz/platby-na-kontakt "Platba na kontakt — e15"
[3]: https://www.csas.cz/cs/page/platba-na-kontakt "Platba na kontakt — Česká spořitelna"

- [1] [Platby na kontakt — ČSOB][1]
- [2] [Platba na kontakt — e15][2]
- [3] [Platba na kontakt — Česká spořitelna][3]
- <sup>[Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup> `reports/countries/CZ-czech-republic.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **CZ** — [CZ-czech-republic.md](https://docs.barcoder.ai/docs/payments/CZ)