NextSpring

Lawful Residence Anywhere in the Union Is Enough, and the Bank Has Ten Working Days - But the First Identification Has to Be Face to Face

Answer

The general rule applies to you

No exception is recorded for citizens of Paraguay on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.

147 exceptions recorded across 54 countries · none match Paraguay to Czechia · Opening a bank account

Czech law gives a consumer a right to a bank account and ties it to lawful residence in a member state rather than to residence here. Section 210(1) of Act No. 370/2017 Sb. requires a provider, once a consumer who is a person lawfully residing in a member state asks for a basic payment account and shows the statutory conditions are met, to put a draft contract in front of them without undue delay and in any event within ten working days, or to refuse on one of the listed grounds. The account must carry cash deposits and withdrawals, credit transfers including standing orders, direct debits, card payments, a debit card and internet access to the account; section 211 forbids tying it to any paid service outside that list. Section 219 forbids discrimination on grounds of nationality or place of residence when a payment account is opened or operated. The limit on all of this is the anti-money-laundering Act: section 8(1)(a) of Act No. 253/2008 Sb. requires the first identification of a natural person to be carried out in their physical presence, and section 15(1) requires the business relationship to be refused where identification cannot be done.

Verified with official sourceMonitor - can change2026-10-10

At a glance

Who may demand an account
A consumer lawfully residing in a member state

Section 210(1) of Act No. 370/2017 Sb. The test is lawful residence in the Union, not a Czech residence permit.

How long the bank has
10 working days at the outside

Section 210(1) of Act No. 370/2017 Sb., which also gives 5 working days during which the draft may not be changed or withdrawn.

What the account must do
Deposits, withdrawals, transfers, standing orders, direct debits, a debit card and internet access

Section 212(1) of Act No. 370/2017 Sb., which also requires them on the same terms as any other account.

Tied selling
Prohibited by section 211 of Act No. 370/2017 Sb.

The provider may not make the basic account conditional on taking a paid service outside the section 212(1) list.

Discrimination by nationality or residence
Prohibited by section 219 of Act No. 370/2017 Sb.

The prohibition covers both the conclusion and the operation of the contract.

Opening an account entirely online
Not for the first identification, under section 8(1)(a) of Act No. 253/2008 Sb.

The first identification of a natural person is carried out in their physical presence; the Act has its own exceptions in sections 11 and 13a, which were not read here.

Requirements

  • Lawful residence in a member state of the Union - not necessarily in Czechia
  • To be a consumer, and to ask the provider to conclude a basic payment account contract
  • Not to already hold a Czech payment account through which the same services can be drawn
  • Identification in your physical presence for the first identification, with an identity document to verify it against

What applies to you

Nothing changes for a citizen of Paraguay

We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.

What the law says

Text layer - verbatim verifiedZákon č. 370/2017 Sb., o platebním styku · § 210 odst. 1 · consolidated to 2025-10-01
«Poskytovatel bez zbytečného odkladu poté, kdy jej spotřebitel, který je osobou oprávněně pobýva»

Our translation - not official

The provider, without undue delay after a consumer who is a person lawfully residing

The sentence continues in a member state calls on it to conclude a basic payment account contract and shows that the statutory conditions are met, and at the latest within 10 working days.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 370/2017 Sb., o platebním styku · § 212 odst. 1 · consolidated to 2025-10-01
«Poskytovatel poskytne majiteli základního platebního účtu alespoň tyto služby: a) zřízení a vedení základního platebního účtu,»

The head of the list of services and its first item. Six more follow, ending with a debit card and internet access.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 370/2017 Sb., o platebním styku · § 211 · consolidated to 2025-10-01
«Poskytovatel nesmí vázat uzavření smlouvy o základním platebním účtu úplatným čerpáním služby,»

Our translation - not official

The provider may not make the conclusion of a basic payment account contract conditional on the paid use of a service

The sentence ends which is not listed in section 212(1).

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 370/2017 Sb., o platebním styku · § 219 · consolidated to 2025-10-01
«Poskytovatel nesmí při uzavírání smlouvy o platebním účtu a při vedení platebního účtu diskriminovat uživatele, který je osobou oprávněně pobývající v členském státě, a to ani z důvodu jeho státního»

Our translation - not official

The provider may not, when concluding a payment account contract and when operating a payment account, discriminate against a user who is a person lawfully residing in a member state, including on grounds of their

The sentence ends nationality or place of residence.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 253/2008 Sb., o některých opatřeních proti legalizaci výnosů z trestné činnosti a financování terorismu · § 7 odst. 2 písm. b) · consolidated to 2026-01-11
«vznik obchodního vztahu,»

Our translation - not official

the formation of a business relationship,

One item of the list in section 7(2), which requires identification regardless of the 1,000 EUR threshold in section 7(1). Opening an account is the formation of a business relationship.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 253/2008 Sb., o některých opatřeních proti legalizaci výnosů z trestné činnosti a financování terorismu · § 8 odst. 1 · consolidated to 2026-01-11
«První identifikaci klienta, který je a) fyzickou osobou, provede povinná osoba za fyzické přítomnosti identifikovaného,»

Our translation - not official

The first identification of a client who is (a) a natural person shall be carried out by the obliged entity in the physical presence of the person identified,

The practical limit on opening an account from abroad.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedZákon č. 253/2008 Sb., o některých opatřeních proti legalizaci výnosů z trestné činnosti a financování terorismu · § 15 odst. 1 · consolidated to 2026-01-11
«Povinná osoba odmítne uskutečnění obchodu nebo navázání obchodního vztahu anebo, není-li»

Our translation - not official

The obliged entity shall refuse to carry out a transaction or to form a business relationship or, unless

The sentence continues precluded by another legal regulation, shall terminate the business relationship, where there is a duty to identify or check the client and the client refuses, or identification cannot be carried out.

Read it at the source
About this source

The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

Standing: Maintains the text in force

Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

We re-read it every 60 days. More about this source

Practical notes

The right in section 210(1) is a right to a basic payment account in Czech currency. It is not a right to any particular bank's ordinary account, and nothing here constrains what a bank may charge for one.

Sections 11 and 13a of Act No. 253/2008 Sb. allow identification to be done otherwise in defined cases. They were not read, so this record states the rule and not the exceptions, and a bank offering remote onboarding is not thereby breaking the law.

Act No. 253/2008 Sb. is a transposition of the Union anti-money-laundering directives, so the shape of these duties is shared with every other member state in this corpus even where the section numbers are not.

Sources2 · all accessed 2026-10-10
  • consolidates
    Zákon č. 370/2017 Sb., o platebním styku

    e-Sbírka, Ministerstvo vnitra České republiky · consolidated to 2025-10-01

    About this source

    The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

    Standing: Maintains the text in force

    Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

    We re-read it every 60 days. More about this source

  • consolidates
    Zákon č. 253/2008 Sb., o některých opatřeních proti legalizaci výnosů z trestné činnosti a financování terorismu

    e-Sbírka, Ministerstvo vnitra České republiky · consolidated to 2026-01-11

    About this source

    The Czech state's own legal information system, run by the Ministry of the Interior and in service since 1 January 2024, which publishes the Sbírka zákonů a mezinárodních smluv and maintains every Act as a series of point-in-time versions. Three addresses serve the same material and they behave differently. e-sbirka.gov.cz (to which www.e-sbirka.cz redirects with HTTP 308) is an Angular single-page application: every address answers with the same 1,040-byte shell, and the text only appears once JavaScript has run, so it is readable by the extraction service and by nothing else. e-sbirka.gov.cz/sbr-externi is the JSON API the application calls; /dokumenty-sbirky/{staleUrl}/obsah returns the table of contents for a version, where staleUrl is the URL-encoded /sb/{year}/{number}/{YYYY-MM-DD}, and /dokumenty-sbirky/{dokumentId}/detail-zneni returns the version's title, its citation and the dates it is in force between. opendata.eselpoint.gov.cz/esel-esb serves the same corpus as linked data under ELIs of the form /eli/cz/sb/{year}/{number}, where the act's page lists every version it has ever had, which is how the version in force on a given day is found rather than guessed. Each version is also generated as a clean PDF and DOCX: POST-free GET to /sbr-externi/stahni/informativni-zneni/{dokumentId}/PDF returns a JSON body carrying a file id that is stable across calls, and /souborove-sluzby/soubory/{id} then serves the document itself.

    Standing: Maintains the text in force

    Cannot be cited for: **The PDF and the web page are two manifestations of one document and neither is quotable throughout.** The generated PDF is typeset with soft hyphens at every line break - 2,055 of them in the 781,000 characters of Act No. 326/1999 Sb. - so a sentence that crosses a line comes out as 'na úze[soft hyphen] mí', and a quotation spanning one is unreadable even though it verifies. The web page has no hyphenation but doubles every term the CzechVoc dictionary links: 3,200 occurrences in the same Act, where 'cizince' renders as 'cizincecizince' and 'zaměstnanecké karty' as 'zaměstnanecké kartyzaměstnanecké karty'. A quotation therefore has to be taken from whichever manifestation the sentence survives in, and some sentences survive in neither, so the quotation is cut short rather than tidied. The versions it serves are **informativní znění**, informative consolidations: the Collection as promulgated is what has legal force. A version carries no cut-off date inside the document - the date is in the file name, in the address and on the page that serves it, and that is where the consolidation dates recorded here come from. It cannot be cited for anything the Collection does not carry: the central register of vacancies open to employee-card holders is kept administratively, the government-approved migration programmes that Government Regulation No. 220/2019 Sb. relies on by name - the qualified employee programme, the highly qualified employee programme, the key and scientific personnel programme and a digital nomad programme - are approved by the government and published nowhere in it, and the per-embassy allowance actually remaining is published by each embassy under section 181b(3) rather than here. Section headings for repealed sections are omitted from a version entirely, so a gap in the numbering is a repeal and not a dropped page.

    We re-read it every 60 days. More about this source