Skip Pay vs KB+

With the Skip Pay mobile app, you have everything for smart shopping in one place. You’ll find a clear overview of all your Skip Pay purchases, activate a virtual version of your physical card, or lock your card instantly if you lose it. If numbers aren’t your strong suit, you’ll appreciate the option to view your PIN anytime. You can also easily check your loyalty balance and exchange your collected points for rewards that make you happy. Shop smart with Skip Pay and enjoy a wide range of great benefits: A MAXI PACKAGE FULL OF BENEFITS It pays to use the MAXI package. You can get it easily and for free in our app – just complete a short verification. With the Skip Pay card, you can shop anywhere online and in all brick-and-mortar stores. You can even pay straight from your phone thanks to Apple Pay. All this with a limit of up to 100,000 and up to 50 days to pay with no fees. PAY ONLY AFTER UNPACKING THE GOODS Take your time to browse, try on, and check your goods – and only then pay. Our app keeps track of the payment date for you and reminds you in time. SPLIT YOUR PAYMENT INTO THREE Not convenient to pay for everything at once? With Pay in 3, you pay just one third at checkout and the remaining two in two monthly installments. BORROW UP TO 100,000 FOR ANYTHING Need some extra cash? We’ll send up to 100,000 directly to your account. Everything is handled online in the app – you choose the amount and number of installments, and the money arrives within minutes. SPREAD YOUR BILL INTO INSTALLMENTS Enjoy more freedom when planning your budget. Purchases made with the MAXI package or individual Pay in 3 installments can easily be spread into up to 96 payments. INSURE YOUR PURCHASE AT A GREAT PRICE Protect your new electronics at one of the best prices on the market. Skip Pay offers two options: insurance against damage and theft, and extended warranty. The offer applies to home appliances, IT equipment, and smaller electronics. SEND MONEY ANYWHERE With Skip Pay, you can pay for anything – even your rent or a friend’s beer. With the Send Money feature, you can conveniently and securely send money to any Czech account, including recurring payments. ALL YOUR PURCHASES IN ONE PLACE Whether you order from an e-shop with Skip Pay in your basket, tap your Skip Pay card in the supermarket, or shop with it on a foreign website – you’ll find everything clearly in the app together with your monthly statement. DEFER YOUR PAYMENTS WHENEVER YOU LIKE Your monthly statement includes all your purchases, ATM withdrawals, and transfers. It’s due by the 20th of the following month. If that doesn’t suit you and you’d prefer to pay only part now and the rest later, no problem. Just double tap in the app and it’s deferred – for a fair fee you see upfront. REWARD FOR EVERY PAYMENT For almost every purchase made with Skip Pay, we credit you with points. You can easily exchange them in the app for discounts at your favorite e-shops or use them to reduce fees. For every 100 CZK paid, you get 1 point with the MINI package and 2 points with the MAXI package. SAFETY IS OUR PRIORITY Log in quickly and securely using your fingerprint or face scan. If you prefer the classic username and password, we’ve got you covered too. NO MORE HUNTING FOR RECEIPTS Shoeboxes full of receipts are a thing of the past. Store your receipts directly in the app and keep them all neatly in one place. CARD MANAGEMENT AT YOUR FINGERTIPS We’ve thought of everything – activate or lock your card instantly in the app. And if you forget your PIN, you’ll find it there too. VIRTUAL CARD With a virtual card, there’s no need to dig through your wallet. You can leave your physical card safely at home as a backup and easily access your card details in the app. FREE APP Downloading and using the app is completely free. SMART WATCH With Watch OS support, you can now have your limit right on your wrist.

SIMPLE TO USE Track all your services in one user-friendly app. You can easily order and manage individual services. PLANS Choose a plan that fits your lifestyle. A plan is a set of products and services for everyday banking, which includes an account, a card, payments, and ATM withdrawals. MULTICURRENCY ACCOUNT Use multiple currencies in one account. You can exchange money within your account in a few seconds and simply pay in the local currency abroad, wherever you go. CHOOSE YOUR OWN ACCOUNT NUMBER AND NAME IT Set your own account number, for example, your birthday or wedding anniversary. You can name the account whatever you like. SAVINGS ACCOUNT AND ENVELOPES Open a savings account online and have up to 10 savings envelopes. Organize your money into envelopes for whatever you need. CARD ORDERING AND MANAGEMENT In KB+ you can order, unlock, and lock a card or view the PIN. Choose one of the designs offered and add your card to Apple Pay. KB KLÍČ IS NOW PART OF KB+ You no longer need 2 apps to verify payments and logins. Now you can do everything in the KB+ app. DRAG AND DROP PAYMENTS Move money quickly and easily between your accounts and savings envelopes with a simple drag and drop. TOUCH ID AND FACE ID Make app login and payment verification easier with Touch ID or Face ID. Just use your finger or scan your face. 3D TOUCH Long press the KB+ app icon on your mobile to choose from the most used features. SPOTLIGHT Explore the ability to search KB+ app features through Spotlight. BUILDING SAVINGS Get state support of up to 2,000 CZK per year and enrich your savings with a guaranteed interest rate for 6 years. EXTRA SERVICE CESTOVÁNÍ Insure yourself against unexpected events on the road. With the extra service Cestování, you won't be caught off guard by a traffic accident, lost luggage, or a trip cancellation. The service is valid all year round. SUPPLEMENTARY PENSION SAVINGS Save and invest for retirement. In KB+, you can now arrange a pension not only for yourself, but for your child too. In addition, your child can collect a third of their own contributions from the age of 18. CHILDREN'S SAVINGS ACCOUNT Save for your child with a great interest rate. You can open an account via the application. Additionally, your child can manage their own account from the age of 6, and from 15, they can open an account on their own. PLAN FOR ENTREPRENEURS Open and manage your business account in the app. Share access to it with managers or your accountant. With higher-level plans, you also get a multicurrency account for free.