Deadline for sending the payment depends on type of the payment. More details could be found here. Also all payments are included into multi-round processing which means that in case of insufficient balance we are trying to proces payment repeatedly.
Clearing rules - standard due date (instant)
For further information look at Multiround proccessing.
It is possible to search accounts and templates by fulltext search – i.e. if you want to find template names as „Karel123“, you write letter „K“ or write numbers „123“
Non-business days (such as Saturdays and Sundays) together with the following Business day (such as Monday) are considered a single Business (working) day. User limits and subject limits are restored on Business (working) days at approx. 8:30 pm, according to the actual closing of the day by the bank system.
Payment orders can be created from a current account to a term account (this must be executed on the due date of the term account). An unlimited number of operations can be performed to the credit of a term account and up to one debit operation to the debit of the term account can be performed within the framework of the whole bank, regardless of the method through which it was created.
A payment to be credited or debited to a term account on the maturity (roll-over) date of the deposit can be executed only within the framework of a single subject, while both these accounts must be in the same currency. It is possible to enter a payment order between two term accounts (however, both accounts must mature on the same date and again, the procedure can only be done on this maturity date).Other rules:
Orders with advance due dates are displayed on the Entered orders screen - list with "pending" status until the due date. On their due dates, orders are processed using the multi-round processing system and their status will change. The subject's daily limit and user's daily limit are decreased at the moment of sending the order to the bank. On the due date, new checking of limits is no longer executed. This means that much more than the subject's daily limit (or user's limit) can be paid from administered accounts when several orders with the same due date accumulate.
Cancelled and terminated standing orders will be displayed for 31 days from the date of termination (cancellation) in the Standing orders - modification history.
Unprocessed payments from standing orders are displayed in the Unprocessed payments
The amount is checked against the total user account limit and total daily limit of the subject. These limits are not decreased by the standing order amount.
If a standing order is not entered on the due date successfully, the attempts for its entry will continue in the course of the next two business days. Most commonly, the reason for unsuccessful entry of standing orders consists in insufficient funds on the account. The number of repeated attempts will depend on the standing order frequency:
One attempt a day is made (in the evening). If, in the period of repeated attempts, the standing order fails to be entered (e.g. because of insufficient funds on the account), we will reject it.
Multiple or multilevel authorization means that signatures of two or more users are required for the processing of payment orders.
If multiple/multilevel authorisation is set, the following applies for the creation or changing of a standing order:
A requirement for creation of the direct debit agreement is a subject to multiple/multilevel authorisation according to the following rules:
|
User |
The owner has not set multiple/multilevel authorisation |
The owner has set multiple/multilevel authorisation |
|---|---|---|
| Owner - natural person – individual | Able to fully authorise individually. | Able to fully authorise individually. | Owner - natural person - entrepreneur | Able to fully authorise individually. | Able to fully authorise individually. | Statutory representative/chairman - legal entity | Able to fully authorise individually up to his/her total daily account limit. When exceeding the account limit, the request is saved in the "awaiting authorisation" status. | The request is always subject to multiple/multilevel authorisation. | Authorised person | Able to fully authorise individually up to his/her total daily account limit. When exceeding the account limit, the request is saved in the "awaiting authorisation" status. | The request is always subject to multiple/multilevel authorisation. |
Orders with advance due dates are displayed on the Entered orders screen – list with "pending" status until the due date. On their due dates, orders are processed using the multi-round processing system and their status will change. The subject’s daily limit and user’s daily limit are decreased at the moment of sending the order to the bank. On the due date, new checking of limits is no longer executed. This means that much more than the subject’s daily limit (or user’s limit) can be paid from administered accounts when several orders with the same due date accumulate.
Yes, a current account in foreign currency can be credited within Komerční banka (i.e. the account which the direct debit is collected from must be in KB).
Because term accounts are not intended for regular sending of payments, it is not possible to collect money to the credit of a term account, or to permit direct-debiting from a term account to the credit of other accounts.
No, these limits are not checked and they are not decreased by the order.
A tax document for the executed payment can be ordered using the operator’s call centre or directly at the appropriate operator’s point of sale.
No, credit can only be topped-up for pre-paid cards of Czech mobile operators.
First check the status of the top-up order on the Entered orders screen. If the status is "recorded" and the card has still not been topped-up, contact customer service of the mobile operator.
For technical reasons, a request for SIPO payment cancellation cannot be sent to Česká pošta simultaneously with a request for setting up SIPO payments related to the same payer personal number. If you want to change the account from which Česká pošta performs direct debit of SIPO payments, proceed as follows:
It is necessary to observe deadlines valid for submitting Cancel SIPO agreement and Set up SIPO agreement requests.
Example:
On the 24th day of each month, Komerční banka submits cancellation requests for SIPO agreements to Česká pošta. If the 24th day of the month is not a Business day, the date is shifted to the nearest previous Business day. In order for the SIPO payment to not be carried out in the next month, the request for cancelling the SIPO agreement must be submitted to Komerční banka one Business day before sending of the request to Česká pošta. The business day ends at 8:30 pm.
On the 25th day of each month, Komerční banka submits set up requests for direct debit mandates for O2 Czech Republic a.s. If the 25th day of the month is not a Business day, the date is shifted to the nearest previous Business day. In order for the first payment for landline / internet to be carried out in the next month, the request to set up a direct debit mandate must be submitted to Komerční banka one Business day before sending the request to O2 Czech Republic a.s. The business day ends at 8:30 pm.
Up to 30 templates are recommended.
Yes, data can be changed. Using a template will only change values in the fields of the order.
If a user enters a conversion transaction, the bank will use the exchange rate valid at the moment of effectiveness of the order, even in case it is settled within multi-round processing. The time of acceptance of the payment order by the Bank has no influence on the used exchange rate. For recording, the exchange rate valid at the moment of accounting of the order is used, so it could differ from the rate valid at the time of acceptance of the order. This means in case of insufficient funds during the day, when the order enters multi-round processing, the order can be recorded with a rate different from the rate valid at the moment of entering the order. If the user does not want to record the order with the later rate, he/she can cancel the payment in the status of awaiting processing and create it later, when there are sufficient funds in the account. A valid exchange rate list is available on the www.kb.cz website or directly in services of direct banking. The bank will account (settle) conversion transactions with future due dates and conversion transactions entered on the due date earlier than the beginning of a business day on their due date – using the exchange rate valid at the moment of processing, usually after 8:00.
No. Each user can only see the addressees he/she has defined.
Yes. It is possible to use an addressee repeatedly in various types of notifications, including a single notification of payment.
The following online orders can be included in the multi-round processing system:
In such cases, these unrecorded payments will be marked with the “pending” status until the next round of processing. During processing, the order status is “being processed”. If sufficient funds are found in the client’s account during any of the rounds, the payment will be duly recorded and the order status will change from “being processed” to “recorded”.
If sufficient funds for recording the payment are not found in the payer’s account even in the last round of processing (depending on the payment type), the payment will be rejected and the order status will change from “being processed” to “rejected”.
Processing rules – a future due dateIn the event that outgoing payment orders in CZK without currency conversion or outgoing payment orders in FC without currency conversion are not cleared, they can be cleared, subject to sufficient funds, in one of the subsequent rounds of multi-round processing on the following two consecutive Business Days, however, not later than at 20:20 hrs. In respect of other Orders that do not entail currency conversion, if following the last round of multi-round processing on their due date, i.e. at 20:20 hrs, they are not processed, uncleared Orders in a Batch are rejected and are no longer processed.
Clearing rules - standard due date (instant)No. A single file can only contain orders related to a single subject, i.e. payer's account holder (for payment orders) and beneficiary's account holder (for collection orders).
If you exceed the max. limit of sent orders for a single subject per bank day, the whole batch will be rejected, i.e. no order in the batch will be accepted.