COBS

Czech Standard for Open Banking

ActiveOpen BankingEurope

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.

🌍
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

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Key Requirements

1
PSD2 compliance
2
Strong Customer Authentication (SCA)
3
CNB TPP registration
4
RESTful JSON APIs

Implementation 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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