How do instant payments and QR Platba work in Czechia?
Banks send koruna instant payments through the Czech National Bank's CERTIS system in about three seconds, 24/7. QR Platba codes fill in the payment details in any Czech banking app. Instant payments reached 45.5% of interbank transfers in March 2026.
In detail
Banks send koruna instant payments through the Czech National Bank's CERTIS system in about three seconds, 24/7. QR Platba codes fill in the payment details in any Czech banking app. Instant payments reached 45.5% of interbank transfers in March 2026.
Instant payments through CERTIS
Account-to-account payments are booming thanks to the Czech National Bank. Its CERTIS system processed 43.6 million instant payments in June 2026, against 34.1 million a year earlier, with funds credited in about three seconds and a limit of CZK 2.5 million per payment. Since the last large bank joined in 2025, availability is practically 100%, and 53% of Czechs use instant payments. They made up 45.5% of interbank transfers in March 2026, against 21% in mid-2022.
QR Platba
The QR Platba standard of the Czech Banking Association lets payers scan a code that fills in the account, amount and reference. 31% of Czechs have paid this way in shops or online, but only one in five small businesses accepts QR payments at the point of sale. Online, gateways also offer bank buttons from individual banks and PSD2 pay-by-bank across banks.
More detail in our #PayWorldTour guide Payment methods in Czech Republic.