Code of Conduct Banks and Clients

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Code of Conduct in Relations between Banks and Clients ("Code" hereafter) was released by the Czech Banking Association by the end of the year 2005. The Code brings a significant extension of the rules for mutual relations of banks and clients, specified so far in a CBA Ethical Code and puts emphasis on the client rights definition. Notwithstanding the fact, that the CBA cannot identify itself with all suggestions by the Ministry of Finance, a number of them is reflected in the Code in a clearly structured form.

The Code was prepared in the CBA standing working bodies and professional commissions and endorsed by the CBA Board. Now it is discussed with the representatives of the consumer associations and the final comments from the member banks are expected. Immediately after an adoption of the final Code version the CBA invited all member banks to accede to the Code and to declare this decision in public.

Code of Conduct in Relations between Banks and Clients was updated on 23 July 2007.

List of banks, that acceded to the CBA Standard No. 19/2005 ”Code of Conduct in Relations between Banks and Clients”:


  Bank decided to accede to the Code in: Code will be implemented by the bank since: 
Raiffeisenbank a.s. January 2006
01 APR 2006
Hypoteční banka, a.s. January 2006
31 JAN 2006
Česká spořitelna, a.s. January 2006
01 FEB 2006
IC Banka, a.s. January 2006 01 JUL 2006
Wüstenrot stavební spořitelna a.s. January 2006
01 OCT 2006
HYPO stavební spořitelna, a.s. February 2006  01 JAN 2007
Českomoravská záruční a rozvojová banka, a.s. February 2006
30 JUN 2006
Waldviertler Sparkasse von 1842, pobočka Jindřichův Hradec February 2006  30 JUN 2006
Komerční banka, a.s. March 2006 
01 JUN 2006 
HVB Bank Czech Republic a.s. April 2006
15 APR 2006
Citibank a.s. April 2006 30 JUN 2006
Živnostenská banka, a.s. May 2006
01 MAY 2006
Oberbank AG pobočka ČR June 2006
01 SEP 2006 
Československá obchodní banka, a.s. June 2006
01 OCT 2006
Stavební spořitelna České spořitelny, a.s. August 2006 
01 JUL 2007
GE Money Bank a.s. September 2006
01 JAN 2007
BAWAG Bank CZ a.s. October 2006
01 JUL 2007
Volksbank CZ, a.s. December 2007
31 OCT 2008