iDenfy, a prominent provider of RegTech solutions specialising in identity verification and fraud prevention, has integrated the Czech Bank iD system into its electronic identity verification software. This development offers businesses in the Czech Republic an alternative means of verifying users using their bank login credentials, eliminating the need for physical documents during the onboarding process.
Czech Bank iD, a digital identification system, was launched nationwide in the Czech Republic in 2021. It enables citizens to authenticate their identity using internet banking credentials across both public and private sector services.
Widespread adoption of Czech Bank iD
The system is currently embraced by over 5 million internet banking users in the Czech Republic, reflecting an adoption rate of 57% among the population of 9 million. Operating on the OIDC protocol, Czech Bank iD employs a bank delegation model, where user verification is confirmed by the bank itself, bypassing the need for a separate identity document.
iDenfy’s platform supports non-document verification alongside its traditional document-based KYC flow. This configuration allows businesses to automatically direct users to Czech Bank iD verification when document capture fails or produces poor quality images, a common cause of session abandonment. This integrated solution is accessible to all iDenfy clients without extra cost and can be activated via dashboard settings effortlessly.
Comprehensive verification process
This results in a consistent and comprehensive verification process, leveraging bank-provided data
To ensure successful verification, Czech Bank iD checks various personal details, including names, date of birth, nationality, gender, phone numbers, and addresses. Where applicable, it also provides document information such as type, number, issue and expiration dates, and issuing country and authority. This results in a consistent and comprehensive verification process, leveraging bank-provided data.
By 2026, the EU Digital Identity Wallet initiative mandates all EU member states to offer wallet-based credentials as part of Strong Customer Authentication, requiring support from banks, payment services, and electronic money institutions.
Addressing cybersecurity concerns
Research by Gen Digital highlights the Czech Republic as one of the top three countries at risk of cyber fraud globally, with 86% of attacks involving social engineering tactics. iDenfy asserts that the ability to verify identities using credentials familiar to over five million adults in Czech Republic can significantly reduce onboarding friction while maintaining secure compliance and validating user authenticity.
Domantas Ciulde, iDenfy’s CEO, remarked, "Czech Bank iD has become one of the most widely trusted digital identity credentials in the Czech Republic. Our clients that serve that market can now meet Czech users on those terms and present a verification path that feels familiar and requires no additional physical document capture at the point of onboarding."
Expanding global reach
iDenfy’s KYC software supports over 16,000 government-issued documents across more than 200 countries and territories. Any unresolved cases are escalated to iDenfy’s compliance review team, which is operational around the clock to address identity verification issues.
Ciulde further emphasised, "Czech Bank iD is deeply embedded in how Czech citizens already access banking, government, and private sector services. For our clients, adding Czech Bank iD is not just an onboarding improvement. It is a direct connection to one of Central Europe’s most established digital identity networks." Support for Czech Bank iD is now available across iDenfy’s identity verification platform.
iDenfy, the global RegTech solution provider that delivers identity verification and fraud prevention tools, has implemented Czech Bank iD into its electronic identity verification software. The addition of the new digital ID or non-document verification method for the Czech market gives businesses a native alternative for verifying Czech citizens through their existing bank login credentials, without asking for a physical document during the onboarding process.
Czech Bank iD is a nationwide, bank-issued digital identification system introduced in the Czech Republic in 2021. It allows citizens to use their internet banking credentials to authenticate themselves for both e-government and private sector services.
Separate identity document
The system is currently used by over 5,000,000 internet banking users, which corresponds to an adoption rate of 57% across the Czech Republic with 9 million people. Czech Bank iD runs on the OIDC protocol and operates through a bank delegation model, meaning the verification is confirmed directly by the user’s bank rather than through a separate identity document.
iDenfy’s non-document verification platform was built to operate alongside the platform’s standard document-based KYC flow. Businesses can configure the platform to automatically route users to the Czech Bank iD path when traditional document capture is unavailable or produces insufficient image quality, a scenario that iDenfy’s internal data consistently shows as a recurring source of session drop-off. The combined flow is available to all iDenfy clients at no additional cost and can be activated in the dashboard settings without any additional integration work.
Additional integration work
To perform a successful verification, Czech Bank iD checks the person’s given name, family name, middle name, full name, date of birth, nationality, sex, phone number, and full address details. Where available, it can also return document data, such as document type, number, issue date, expiration date, issuing country and authority. This gives businesses a verification result that is both broad in scope and consistent in structure, since the data is returned directly by the bank network rather than extracted from a scanned image.
As defined by Regulation (EU) 2024/1183, each of the EU 27 will have to implement the EU Digital Identity Wallet for citizens and residents by the end of 2026. Every bank, payment, and electronic money institution will have to support wallet-based credentials as Strong Customer Authentication measures.
Bypassing security controls
The Czech Republic has the third-highest risk of cyber fraud globally, according to security firm Gen Digital, which conducted research from Avast, AVG, and Norton companies. Social engineering attacks, a form of psychological manipulation in which criminals trick people into giving up private data, downloading malware, or bypassing security controls, made up 86% of the threats that happened in the country.
iDenfy states that for businesses that serve Czech market users, the ability to verify identity through a credential that more than five million adults already use for banking and government access can remove a document capture step that often contributes to onboarding drop-off. It still maintains a secure enough compliance procedure to keep the process trustworthy for both the user and the business so it can validate a real person behind it.
Digital identity networks
“Czech Bank iD has become one of the most widely trusted digital identity credentials in the Czech Republic. Our clients that serve that market can now meet Czech users on those terms and present a verification path that feels familiar and requires no additional physical document capture at the point of onboarding,” said Domantas Ciulde, the CEO of iDenfy.
It is worth mentioning that iDenfy’s KYC software currently covers over 16,000+ government-issued documents across over 200+ countries and territories. If a case is not resolved automatically, it is reported to iDenfy’s internal compliance review team, which works 24/7 to review identities and fix any onboarding issues.
“Czech Bank iD is deeply embedded in how Czech citizens already access banking, government, and private sector services. For our clients, adding Czech Bank iD is not just an onboarding improvement. It is a direct connection to one of Central Europe’s most established digital identity networks,” added Domantas Ciulde. Czech Bank iD support is available now across iDenfy’s identity verification platform.
