Czechia · Payments & e-money
Home Credit a.s.
Home Credit a.s. is a Czech joint-stock company with its seat in Brno. The Czech National Bank (ČNB) authorises it as a payment institution. The ČNB also lists it as a non-bank consumer credit provider. Since 2023 it has been a subsidiary of Air Bank a.s., which is part of PPF Group. It offers consumers and businesses in Czechia instalment financing at partner retailers, revolving credit accounts with payment cards, cash loans, loan consolidation, car finance and business loans.
Licences and registrations
Held by Home Credit a.s. (LEI 315700S04JY80J2ML916). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterCzech National Bank | Payment institutionPayment Institution | 26978636 | Czechia | Active | 2011-04-27 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Air Bank a.s.
Firm type
Lending or buy now, pay later
Trades as Home Credit
- Ownership
- Air Bank a.s. owns 100% of the firm within PPF Financial Holdings a.s. The Kellner family holding AMALAR HOLDING s.r.o. controls PPF Group and is the ultimate parent in the firm's LEI record.
- Direct parent
- Air Bank a.s., Czechia 100%
- Ultimate owner
- AMALAR HOLDING s.r.o., Czechia
- Head office
- Nové sady 996/25, 602 00 Brno, Czechia
- Company register
- IČO 26978636 (Commercial Register, Regional Court in Brno, file 4401)
Online
- Websites & references
- homecredit.cz ↗
blog.homecredit.cz ↗ company blog
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 10 pages consulted
- homecredit.cz/o-nas
- homecredit.cz/o-nas/o-home-credit
- homecredit.cz/dulezite-informace
- homecredit.cz/sikovny-ucet
- homecredit.cz/sikovny-ucet/karta
- airbank.cz/novinky/cesky-a-slovensky-home-credit-formalne-prejdou-pod-air-bank-klienti-zadnou-zmenu-
- ppf.eu/en/press-release/spolecnost-amalar-holding-se-stala-majoritnim-vlastnikem-skupiny-ppf
- forbes.cz/home-credit-zvysil-zisk-o-42-procent-ceska-spolecnost-loni-poskytla-uvery-za-212-miliardy
- e15.cz/byznys/finance-a-bankovnictvi/milionovy-trest-pro-home-credit-uverar-se-nestaral-o-situac
- homecredit.cz/nedej-se
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ČNB authorises the firm as a payment institution. The ČNB also lists it as a non-bank consumer credit provider under Act No. 257/2016 on consumer credit. The EBA payment institutions register shows the authorisation as active since 27 April 2011, covering payment services and card acquiring.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Czech National Bank Czechia | Payment institution (platební instituce) | 26978636 | In its own name | Active | homecredit.cz ↗ |
| Czech National Bank Czechia | Non-bank consumer credit provider (nebankovní poskytovatel spotřebitelského úvěru) | — | In its own name | Active | homecredit.cz ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm's public pages do not describe how it safeguards customer funds.
- Settlement bank
- PPF banka Czechia
- Payment schemes and card networks
- Czech instant payments Through a partner homecredit.cz ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It finances purchases in partner shops and e-shops. It also runs the Šikovný účet revolving credit account, which comes with virtual and physical cards and can be used for cash withdrawals and transfers.
It serves customers in Czechia. A separate sister company, Home Credit Slovakia, a.s., serves Slovakia.
- Sells to
- Consumers · Small businesses
- Serves customers in
- Czechia
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Luděk Jírů Generální ředitel (Chief Executive Officer) and Chairman of the Board of Directors
- Chief financial officer
- Jiří Halouzka Ředitel divize Finance (Director of Finance)
- Compliance / MLRO
- Silvia Žižková Ředitelka divize Právní a Compliance (Director of Legal and Compliance)
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Enforcement
The ČNB fined the firm CZK 2 million for inadequate creditworthiness-assessment rules for its Kamali product between October 2020 and January 2021.
e15.cz ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 26978636
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- cfcba9afdddb
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Card acquiring
- Licensed in
- Czechia · Europe & Central Asia
- First registered
- 2011-04-27
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Air Bank a.s. · Czechia31570010000000049662 ↗
- Ultimate parent
- Amalar Holding s.r.o. · Czechia984500CE58365CB10V25 ↗
The Amalar Holding s.r.o. group has 6 institutions in the directory, in 3 countries: 4 hold a BIC and 2 do not.
Including Home Credit Slovakia, a.s., Air Bank A.S., Ppf Banka A.S., Skoda Transportation A.S., Yettel Bank Ad.
See the Amalar Holding s.r.o. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Nové sady 996/25, Brno, 60200
- Country
- Czechia
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>315700S04JY80J2ML916</LEI>
<Nm>Home Credit a.s.</Nm>
<PstlAdr>
<PstCd>60200</PstCd>
<TwnNm>Brno</TwnNm>
<Ctry>CZ</Ctry>
<AdrLine>Nové sady 996/25</AdrLine>
</PstlAdr>
</FinInstnId>- CBPR+ does not accept the character é in names and addresses. Transliterate before sending.
CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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