iDenfy, a global provider of identity verification and fraud prevention tools, has enhanced its electronic identity verification software by integrating Czech Bank iD. This new addition offers businesses in the Czech Republic a local alternative for identity verification, enabling users to authenticate via their bank login credentials without the need for physical documents.
Czech Bank iD, introduced in 2021, is a digital identification system adopted by over 5 million internet banking users across the Czech Republic. This represents an adoption rate of 57% in the country, which has a population of around 9 million. The system uses the OIDC protocol and operates via a bank delegation model, meaning verification is directly confirmed by the user's bank instead of separate identity documents.
Efficiency within iDenfy's Platform
iDenfy's platform integrates Czech Bank iD with its standard document-based KYC (Know Your Customer) process. The software automatically directs users to the Czech Bank iD route when traditional document capture isn’t possible or results in low-quality images, a known cause of session abandonment according to iDenfy’s data. This feature is available to all iDenfy clients without extra charges or integration efforts.
Verification and Security
The Czech Bank iD verification process checks a range of personal details, including names
The Czech Bank iD verification process checks a range of personal details, including names, date of birth, nationality, sex, phone number, and address. Where available, it also retrieves document-related data like document type, number, and expiration dates, providing a comprehensive verification result directly from the bank network.
The EU Digital Identity Wallet, mandated by Regulation (EU) 2024/1183, requires each EU country to implement by 2026. Supporting wallet-based credentials as Strong Customer Authentication measures is mandatory for banks and financial institutions.
Cybersecurity Concerns
According to Gen Digital, the Czech Republic carries the third-highest cyber fraud risk globally, with 86% of threats involving social engineering attacks. iDenfy emphasizes that using Czech Bank iD, a credential familiar to over five million adults for banking and government access, can enhance security and reduce document capture requirements during onboarding.
Integration Benefits Highlighted
Domantas Ciulde, CEO of iDenfy, stated, "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." He further mentioned that Czech Bank iD's incorporation not only improves onboarding but also connects clients to an established digital identity network in Central Europe.
With its comprehensive coverage of over 16,000 government-issued documents globally, iDenfy’s KYC software ensures that cases requiring manual review are handled by its compliance team, which operates 24/7 to resolve identity and onboarding issues. The support for Czech Bank iD is now active across iDenfy's 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.
