05 · Multibanking

All your accounts in one overview.

Connect accounts from nine Czech banks and see balances and movements in one place. And when you pay, you choose which account from - the confirmation always happens in your bank.

Account overview in the Mo.one App

One account? All the banks.

Fio, Air Bank, Raiffeisenbank, Česká spořitelna, Komerční banka, ČSOB, Moneta, UniCredit and mBank - connected directly through dedicated PSD2 interfaces.

Fio banka Air Bank Raiffeisenbank Česká spořitelna Komerční banka ČSOB Moneta Money Bank UniCredit Bank mBank
What multibanking does

Three banks. No switching.

01

Balances and movements together

With your consent we load information about your accounts across banks. One overview instead of three apps.

02

Payment from any account

At the till and in the app you choose which account to pay from. By balance, by mood - in one tap.

03

Confirmation always in your bank

You confirm every payment and every connection yourself with biometrics in your banking app - securely and in a few taps.

Connecting a bank

Two minutes, no paperwork.

01

You choose your bank

In the app you pick your bank from the list of nine connected ones.

02

You confirm in your banking app

The app redirects you to your bank, where you confirm consent with biometrics. Every bank does it slightly differently - we will guide you through.

03

Done, the account appears

The balance and movements show up in the overview and you can pay with the account right away. The first payment works the same way - confirmed in the bank.

How smooth this is at each bank is improving right now - banks are fixing their interfaces following ČNB opinion RS2025-28.

Miss API

A ranking of banks by the quality of their interface.

We assess how well banks meet their PSD2 obligations - from smooth App2App connection to needless obstacles. Fio banka holds first place and we track the state of all eight continuously.

Three banks, one app, two minutes.

Download the Mo.one App and connect your first bank today.

Download on the App Store Get it on Google Play