{"id":12112,"date":"2026-06-13T21:33:41","date_gmt":"2026-06-13T19:33:41","guid":{"rendered":"https:\/\/modernipravnik.cz\/financni-instituce-licencovani-cnb\/"},"modified":"2026-10-09T17:23:32","modified_gmt":"2026-10-09T15:23:32","slug":"financni-instituce-licencovani-cnb","status":"publish","type":"post","link":"https:\/\/modernipravnik.cz\/en\/blog\/financni-instituce-licencovani-cnb\/","title":{"rendered":"Finan\u010dn\u00ed instituce a\u00a0licencov\u00e1n\u00ed \u010cNB"},"content":{"rendered":"<p>Vstup do oblasti finan\u010dn\u00edch slu\u017eeb je v\u00a0\u010cR podm\u00edn\u011bn z\u00edsk\u00e1n\u00edm licence od \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB). Jde o\u00a0jedno z\u00a0nejn\u00e1ro\u010dn\u011bj\u0161\u00edch regula\u010dn\u00edch \u0159\u00edzen\u00ed - vy\u017eaduje rozs\u00e1hlou dokumentaci, prok\u00e1z\u00e1n\u00ed kapit\u00e1lov\u00e9 p\u0159im\u011b\u0159enosti a\u00a0osobn\u00ed prov\u011b\u0159en\u00ed veden\u00ed. Nedodr\u017een\u00ed regulatorn\u00edch podm\u00ednek hroz\u00ed pokutami v\u00a0\u0159\u00e1du des\u00edtek milion\u016f korun.<\/p>\n<h2>Kdo pot\u0159ebuje licenci \u010cNB?<\/h2>\n<p>Licence (nebo registrace, dle typu subjektu) \u010cNB je povinn\u00e1 pro:<\/p>\n<ul>\n<li><strong>Platebn\u00ed instituce<\/strong> - Subjekty poskytuj\u00edc\u00ed platebn\u00ed slu\u017eby (p\u0159evody pen\u011bz, vyd\u00e1v\u00e1n\u00ed platebn\u00edch prost\u0159edk\u016f, platebn\u00ed br\u00e1ny) dle z\u00e1kona \u010d.\u00a0370\/2017\u00a0Sb. o\u00a0platebn\u00edm styku<\/li>\n<li><strong>Instituce elektronick\u00fdch pen\u011bz<\/strong> - Vydavatel\u00e9 e-money (nap\u0159. p\u0159edplacen\u00e9 karty, elektronick\u00e9 pen\u011b\u017eenky)<\/li>\n<li><strong>Banky a\u00a0spo\u0159iteln\u00ed a\u00a0\u00fav\u011brn\u00ed dru\u017estva<\/strong> (z\u00e1kon \u010d.\u00a021\/1992\u00a0Sb.)<\/li>\n<li><strong>Sm\u011bn\u00e1rny<\/strong> - Provozovatel\u00e9 sm\u011bn\u00e1rensk\u00e9 \u010dinnosti dle z\u00e1kona \u010d.\u00a0277\/2013\u00a0Sb.<\/li>\n<li><strong>Investi\u010dn\u00ed firmy<\/strong> - Obchodn\u00edci s\u00a0cenn\u00fdmi pap\u00edry, investi\u010dn\u00ed poradci<\/li>\n<li><strong>Poji\u0161\u0165ovny a\u00a0zaji\u0161\u0165ovny<\/strong><\/li>\n<li><strong>Spr\u00e1vci UCITS a\u00a0AIF fond\u016f<\/strong><\/li>\n<li><strong>Poskytovatel\u00e9 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f<\/strong><\/li>\n<\/ul>\n<h2>Platebn\u00ed instituce - z\u00e1kladn\u00ed podm\u00ednky<\/h2>\n<p>Pro ud\u011blen\u00ed licence platebn\u00ed instituce (PI) dle z\u00e1kona \u010d.\u00a0370\/2017\u00a0Sb. mus\u00ed \u017eadatel splnit:<\/p>\n<p><strong>Kapit\u00e1lov\u00e9 po\u017eadavky<\/strong> - V\u00fd\u0161e po\u010d\u00e1te\u010dn\u00edho kapit\u00e1lu z\u00e1vis\u00ed na rozsahu slu\u017eeb:<\/p>\n<ul>\n<li>Nejjednodu\u0161\u0161\u00ed platebn\u00ed slu\u017eby: min. 20 000\u00a0EUR<\/li>\n<li>Platebn\u00ed p\u0159\u00edkazy a\u00a0p\u0159evody: min. 50 000\u00a0EUR<\/li>\n<li>Pln\u00fd rozsah platebn\u00edch slu\u017eeb: min. 125 000\u00a0EUR<\/li>\n<\/ul>\n<p><strong>\u0158\u00eddic\u00ed a\u00a0kontroln\u00ed syst\u00e9m:<\/strong><\/p>\n<ul>\n<li>Pr\u016fhledn\u00e1 vlastnick\u00e1 struktura<\/li>\n<li>Vhodn\u00e9 osoby v\u00a0\u010dele (fit &#038; proper test - bez\u00fahonnost, odbornost, zku\u0161enosti vedouc\u00edch osob)<\/li>\n<li>Intern\u00ed kontroln\u00ed mechanismy, compliance, \u0159\u00edzen\u00ed rizik<\/li>\n<li>Bezpe\u010dnostn\u00ed opat\u0159en\u00ed pro ochranu prost\u0159edk\u016f z\u00e1kazn\u00edk\u016f<\/li>\n<\/ul>\n<p><strong>Obchodn\u00ed pl\u00e1n<\/strong> - Detailn\u00ed popis poskytovan\u00fdch slu\u017eeb, p\u0159edpokl\u00e1dan\u00fd objem transakc\u00ed, marketingov\u00e1 strategie, finan\u010dn\u00ed projekce na 3\u00a0roky.<\/p>\n<h2>Sm\u011bn\u00e1rensk\u00e1 \u010dinnost<\/h2>\n<p>Provozov\u00e1n\u00ed sm\u011bn\u00e1rny vy\u017eaduje registraci u\u00a0\u010cNB dle z\u00e1kona \u010d.\u00a0277\/2013\u00a0Sb. (nikoli licenci - registrace je m\u00e9n\u011b n\u00e1ro\u010dn\u00e1):<\/p>\n<p><strong>Podm\u00ednky:<\/strong><\/p>\n<ul>\n<li>Z\u00e1kladn\u00ed kapit\u00e1l min. 1 000 000\u00a0K\u010d pro fyzick\u00e9 osoby a\u00a0pr\u00e1vnick\u00e9 osoby<\/li>\n<li>Bez\u00fahonnost a\u00a0odborn\u00e1 zp\u016fsobilost<\/li>\n<li>S\u00eddlo nebo m\u00edsto podnik\u00e1n\u00ed v\u00a0\u010cR<\/li>\n<li>Poji\u0161t\u011bn\u00ed nebo z\u00e1ruka pro p\u0159\u00edpad \u0161kody<\/li>\n<\/ul>\n<p><strong>Z\u00e1nik registrace:<\/strong><\/p>\n<p>\u010cNB m\u016f\u017ee registraci zru\u0161it za z\u00e1va\u017en\u00e9 poru\u0161en\u00ed povinnost\u00ed (zejm\u00e9na AML\/CFT povinnost\u00ed - viz z\u00e1kon \u010d.\u00a0253\/2008\u00a0Sb. o\u00a0legalizaci v\u00fdnos\u016f z\u00a0trestn\u00e9 \u010dinnosti).<\/p>\n<h2>Pr\u016fb\u011bh licen\u010dn\u00edho \u0159\u00edzen\u00ed u\u00a0\u010cNB<\/h2>\n<ol>\n<li><strong>P\u0159\u00edprava dokumentace<\/strong> - Nejn\u00e1ro\u010dn\u011bj\u0161\u00ed f\u00e1ze. Pro platebn\u00ed instituci jde typicky o\u00a0stovky stran dokumentace: pr\u00e1vn\u00ed, finan\u010dn\u00ed, IT, compliance.<\/li>\n<li><strong>Pod\u00e1n\u00ed \u017e\u00e1dosti<\/strong> - Elektronicky nebo datovou schr\u00e1nkou na \u010cNB.<\/li>\n<li><strong>Form\u00e1ln\u00ed p\u0159ezkum<\/strong> - \u010cNB ov\u011b\u0159\u00ed \u00faplnost \u017e\u00e1dosti a\u00a0p\u0159\u00edpadn\u011b vyzve k\u00a0dopln\u011bn\u00ed (lh\u016fta se stav\u00ed).<\/li>\n<li><strong>V\u011bcn\u00fd p\u0159ezkum<\/strong> - \u010cNB p\u0159ezkoum\u00e1 spln\u011bn\u00ed v\u0161ech podm\u00ednek, m\u016f\u017ee si vy\u017e\u00e1dat osobn\u00ed interview s\u00a0navr\u017een\u00fdmi vedouc\u00edmi osobami (fit &#038; proper).<\/li>\n<li><strong>Vyd\u00e1n\u00ed rozhodnut\u00ed<\/strong> - Z\u00e1konn\u00e1 lh\u016fta: 6\u00a0m\u011bs\u00edc\u016f od doru\u010den\u00ed kompletn\u00ed \u017e\u00e1dosti. V\u00a0praxi b\u00fdv\u00e1 \u0159\u00edzen\u00ed del\u0161\u00ed (9-18\u00a0m\u011bs\u00edc\u016f u\u00a0slo\u017eit\u011bj\u0161\u00edch subjekt\u016f).<\/li>\n<li><strong>Z\u00e1pis do registru<\/strong> - Po nabyt\u00ed pr\u00e1vn\u00ed moci \u010cNB zap\u00ed\u0161e subjekt do p\u0159\u00edslu\u0161n\u00e9ho ve\u0159ejn\u00e9ho registru.<\/li>\n<\/ol>\n<h2>AML\/CFT povinnosti<\/h2>\n<p>V\u0161echny finan\u010dn\u00ed instituce podl\u00e9haj\u00ed p\u0159\u00edsn\u00fdm povinnostem v\u00a0oblasti boje proti pran\u00ed pen\u011bz a\u00a0financov\u00e1n\u00ed terorismu (AML\/CFT) dle z\u00e1kona \u010d.\u00a0253\/2008\u00a0Sb. Kl\u00ed\u010dov\u00e9 povinnosti:<\/p>\n<ul>\n<li>Identifikace klienta (KYC - Know Your Customer)<\/li>\n<li>Monitorov\u00e1n\u00ed transakc\u00ed a\u00a0hl\u00e1\u0161en\u00ed podez\u0159el\u00fdch operac\u00ed<\/li>\n<li>Uchov\u00e1v\u00e1n\u00ed z\u00e1znam\u016f po dobu 10\u00a0let<\/li>\n<li>Intern\u00ed AML policy a\u00a0\u0161kolen\u00ed zam\u011bstnanc\u016f<\/li>\n<\/ul>\n<p>Poru\u0161en\u00ed AML povinnost\u00ed je jedn\u00edm z\u00a0nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f pro odejmut\u00ed licence nebo registrace. P\u0159e\u010dt\u011bte si tak\u00e9 n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/modernipravnik.cz\/en\/podnikani-cs\/gdpr-spravni-pravo-pokuty-uoou\/\">GDPR a\u00a0spr\u00e1vn\u00ed pr\u00e1vo: pokuty od \u00daOO\u00da<\/a>, kter\u00fd se zab\u00fdv\u00e1 spr\u00e1vn\u00edmi sankcemi obecn\u011b.<\/p>\n<section class=\"mp-faq\" aria-labelledby=\"mp-faq-title\"><h2 id=\"mp-faq-title\" class=\"mp-faq__title\">FAQ - \u010casto kladen\u00e9 ot\u00e1zky<\/h2><div class=\"mp-faq__list\"><details class=\"mp-faq__item\" open>\n\t\t\t\t<summary class=\"mp-faq__q\">Mohu jako startup nab\u00edzet platebn\u00ed slu\u017eby, ne\u017e z\u00edsk\u00e1m licenci?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>Ne. Poskytov\u00e1n\u00ed platebn\u00edch slu\u017eeb bez licence je z\u00e1va\u017en\u00fdm poru\u0161en\u00edm z\u00e1kona, za kter\u00e9 \u010cNB ulo\u017e\u00ed pokutu a\u00a0m\u016f\u017ee v\u011bc p\u0159edat org\u00e1n\u016fm \u010dinn\u00fdm v\u00a0trestn\u00edm \u0159\u00edzen\u00ed.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Existuje zjednodu\u0161en\u00fd re\u017eim pro men\u0161\u00ed platebn\u00ed subjekty?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>Ano - tzv.\u00a0registrace jako poskytovatel platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu (PPSM). Pro subjekty s\u00a0pr\u016fm\u011brn\u00fdm m\u011bs\u00ed\u010dn\u00edm objemem transakc\u00ed do 3\u00a0mil. EUR. Registrace je m\u00e9n\u011b n\u00e1ro\u010dn\u00e1 ne\u017e pln\u00e1 licence PI, ale omezuje rozsah poskytovan\u00fdch slu\u017eeb.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Jak n\u00e1ro\u010dn\u00fd je fit &amp; proper test pro vedouc\u00ed osoby?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>\u010cNB prov\u011b\u0159uje bez\u00fahonnost, odborn\u00e9 znalosti, praktick\u00e9 zku\u0161enosti a\u00a0\u010dasovou kapacitu navr\u017een\u00fdch vedouc\u00edch osob. Osoby s\u00a0trestn\u00ed minulost\u00ed, insolven\u010dn\u00edm z\u00e1znamem nebo nedostate\u010dnou prax\u00ed v\u00a0oboru t\u00edmto testem neprojdou.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Co je PSD2\u00a0a\u00a0jak se dot\u00fdk\u00e1 platebn\u00edch instituc\u00ed v\u00a0\u010cR?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>PSD2 (sm\u011brnice EU 2015\/2366) je z\u00e1kladn\u00ed evropsk\u00e1 regulace platebn\u00edho styku, transponovan\u00e1 do z\u00e1kona \u010d.\u00a0370\/2017\u00a0Sb. Ukl\u00e1d\u00e1 povinnost siln\u00e9 autentizace z\u00e1kazn\u00edk\u016f (SCA), otev\u0159en\u00e9ho bankovnictv\u00ed (open banking) a\u00a0p\u0159\u00edsn\u00e9 bezpe\u010dnostn\u00ed standardy.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Kolik stoj\u00ed p\u0159\u00edprava \u017e\u00e1dosti o\u00a0licenci PI?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>N\u00e1klady z\u00e1vis\u00ed na rozsahu slu\u017eeb a\u00a0kvalit\u011b intern\u00edch kapacit. Realistick\u00fd odhad pro malou PI: pr\u00e1vn\u00ed a\u00a0poradensk\u00e9 slu\u017eby 500 000 - 2 000 000\u00a0K\u010d, plus kapit\u00e1lov\u00e9 po\u017eadavky a\u00a0provozn\u00ed n\u00e1klady. Jde o\u00a0investici, kter\u00e1 se vyplat\u00ed jen u\u00a0\u017eivotaschopn\u00e9ho businessu s\u00a0dostate\u010dn\u00fdm objemem transakc\u00ed.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Jak dlouho trv\u00e1 z\u00edsk\u00e1n\u00ed licence platebn\u00ed instituce?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>Z\u00e1konn\u00e1 lh\u016fta je 6\u00a0m\u011bs\u00edc\u016f od kompletn\u00ed \u017e\u00e1dosti. V\u00a0praxi v\u0161ak \u0159\u00edzen\u00ed trv\u00e1 9-18\u00a0m\u011bs\u00edc\u016f, proto\u017ee \u010cNB \u010dasto vy\u017eaduje dopln\u011bn\u00ed dokumentace a\u00a0prov\u00e1d\u00ed osobn\u00ed pohovory s\u00a0veden\u00edm.<\/p>\n<\/div>\n\t\t\t<\/details><details class=\"mp-faq__item\">\n\t\t\t\t<summary class=\"mp-faq__q\">Co kdy\u017e \u010cNB zam\u00edtne mou \u017e\u00e1dost o\u00a0licenci?<\/summary>\n\t\t\t\t<div class=\"mp-faq__a\"><p>Zam\u00edtnut\u00ed je spr\u00e1vn\u00ed rozhodnut\u00ed. M\u00e1te pr\u00e1vo podat odvol\u00e1n\u00ed do 15\u00a0dn\u016f. Po vy\u010derp\u00e1n\u00ed odvolac\u00ed cesty m\u016f\u017eete podat spr\u00e1vn\u00ed \u017ealobu u\u00a0krajsk\u00e9ho soudu. Doporu\u010dujeme p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti prov\u00e9st pre-aplikaci (p\u0159edb\u011b\u017enou konzultaci s\u00a0\u010cNB).<\/p>\n<\/div>\n\t\t\t<\/details><\/div><\/section>\n<h2>V\u00fdzva k\u00a0akci<\/h2>\n<p>P\u0159ipravujete vstup do oblasti platebn\u00edch slu\u017eeb nebo sm\u011bn\u00e1renstv\u00ed? Modern\u00ed Pr\u00e1vn\u00edk poskytuje komplexn\u00ed pr\u00e1vn\u00ed a\u00a0regulatorn\u00ed poradenstv\u00ed pro licencov\u00e1n\u00ed u\u00a0\u010cNB - od p\u0159\u00edpravy dokumentace p\u0159es komunikaci s\u00a0regul\u00e1torem a\u017e po pr\u016fb\u011b\u017en\u00fd compliance dohled.<\/p>\n<p>\ud83d\udce9 Kontaktujte n\u00e1s na <a href=\"https:\/\/modernipravnik.cz\/en\/kontakt\/\">modernipravnik.cz\/kontakt<\/a> nebo e-mailem na <a href=\"mailto:info@modernipravnik.cz\">info@modernipravnik.cz<\/a>.<\/p>\n<p><strong>\ud83d\udcde +420 732 394 849<\/strong><\/p>\n<p><em>Autor: Petr Uklein, advok\u00e1t | Aktualizace: \u010derven 2026<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Vstup do oblasti finan\u010dn\u00edch slu\u017eeb je v\u00a0\u010cR podm\u00edn\u011bn z\u00edsk\u00e1n\u00edm licence od \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB). Jde o\u00a0jedno z\u00a0nejn\u00e1ro\u010dn\u011bj\u0161\u00edch regula\u010dn\u00edch \u0159\u00edzen\u00ed &#8230;<\/p>","protected":false},"author":754,"featured_media":13195,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-12112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchodni-pravo"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finan\u010dn\u00ed instituce a licencov\u00e1n\u00ed \u010cNB - Modernipravnik.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/modernipravnik.cz\/en\/blog\/financni-instituce-licencovani-cnb\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finan\u010dn\u00ed instituce a licencov\u00e1n\u00ed \u010cNB - Modernipravnik.cz\" \/>\n<meta property=\"og:description\" content=\"Vstup do oblasti finan\u010dn\u00edch slu\u017eeb je v\u00a0\u010cR podm\u00edn\u011bn z\u00edsk\u00e1n\u00edm licence od \u010cesk\u00e9 n\u00e1rodn\u00ed banky (\u010cNB). Jde o\u00a0jedno z\u00a0nejn\u00e1ro\u010dn\u011bj\u0161\u00edch regula\u010dn\u00edch \u0159\u00edzen\u00ed ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/modernipravnik.cz\/en\/blog\/financni-instituce-licencovani-cnb\/\" \/>\n<meta property=\"og:site_name\" content=\"Modernipravnik.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/modernipravnik\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-13T19:33:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-09T15:23:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2024\/12\/modernipravnikMobile2-1536x1024-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Mgr. 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