🌍
Jurisdiction
Czech Republic
📅
Effective Date
2019
Sep 14, 2019
✅
Full Compliance
2019
Sep 14, 2019
🏛️
Regulator
Czech National Bank
Overview
The Czech Standard for Open Banking (COBS) is the Czech Banking Association's response to the EU's PSD2 directive. It provides a standardized API specification for account information services, payment initiation, and confirmation of funds availability. Built on RESTful architecture with JSON format.
Scope & Coverage
AISPISCAF
Key Requirements
1
PSD2 compliance2
Strong Customer Authentication (SCA)3
CNB TPP registration4
RESTful JSON APIsImplementation Timeline
Jan 1, 2018
Czech Banking Association began developing COBS
Sep 14, 2019
PSD2 SCA requirements in force, COBS mandatory
API Specifications
Technical standards and API specifications for implementing COBS:
Official Documents & Resources
Key Notes
Developed by the Czech Banking Association in coordination with CNB. Adopted by major Czech banks.
Official Resources
Related Regulations
Other open banking frameworks in Europe:
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