Extracts from the CCR

If you are a natural person (private individual) and wish to obtain an extract, please contact the Client Information Bank Register (CIBR) (external link) operated by Czech Banking Credit Bureau, a.s. (CBCB). The credit commitments of natural persons (private individuals) are not registered in the Central Credit Register (CCR) operated by the Czech National Bank.

The Central Credit Register pools information on the credit commitments of legal entities and individual entrepreneurs.

Under Act No. 21/1992 on Banks, as amended (Article 38a) (pdf, 652 kB), clients are entitled to know the information kept on them in the CCR database.

Clients (legal entities or individual entrepreneurs) should submit applications for extracts to the Czech National Bank using the form "Application of a Client for an Extract from the Central Credit Register (CCR)":

(to fill in the forms in pdf format, use the free Adobe Reader 9 or higher)

Applications in electronic form should be sent to the Czech National Bank data box (data box ID: 8tgaiej; "Re: Extract from the CCR" should be given in the General Information section). The following is regarded as a properly filled-in electronic application:

  • a filled-in application sent from the client's data box (i.e. the data box of a legal entity or the data box of an individual entrepreneur)
  • a filled-in application furnished with an authenticated signature, converted by an official authority (e.g. a municipal authority, a notary or a births, deaths and marriages registry, Czech POINT) and sent from the data box of the official authority (for a legal entity, the signature must be that of an authorised person, e.g. company director or board member)

Applications in writing should be sent to the operator:

Czech National Bank
Central Credit Register
Na Příkopě 28
115 03  Praha 1

or submitted in person to the CNB mail room.

An original of the application furnished with an authenticated signature (made by an authorised person - company director, board member, etc. - for a legal entity) is regarded as a properly filled-in written application.Applications in writing should be sent to the operator:

Czech National Bank
Central Credit Register
Na Příkopě 28
115 03  Praha 1

or submitted in person to the CNB mail room.

An original of the application furnished with an authenticated signature (made by an authorised person - company director, board member, etc. - for a legal entity) is regarded as a properly filled-in written application.

The conditions for submitting an application for an extract are set out in Information for clients applying for an extract from the Central Credit Register (CCR) (pdf, 71 kB).

The fee payable by a client for an extract containing CCR information is given in the Schedule of Charges for the Financial and Business Services of the Czech National Bank (pdf, 22 kB). Before the extract can be provided, payment must be made to CNB's account No. 115-54186891/0710 (IBAN: CZ27 0710 0001 1500 5418 6891, BIC (SWIFT): CNBACZPP). The client's ID number (IČO) should be given as the variable symbol.

The Czech National Bank is responsible for making out extracts for clients of banks and for the technical aspects of the processing and distribution of extracts to applicants.

The Czech National Bank is obliged to process applications for extracts within 30 days. The processing time is usually shorter than this.

The extract will be made out within 30 days of receipt of an application meeting all the necessary requirements in accordance with the conditions stipulated in the "Information for clients applying for an extract from the Central Credit Register" and of the crediting of the fee for the extract to the CNB's account. However, if the application contains any discrepancies or the applicant fails to pay the fee for the extract to the CNB's account and fails to remedy the situation within a reasonable time frame, the CNB cannot make out the extract and will be forced to reject the application.

The applicant should lodge any complaints about discrepancies between the content of the extract and the true situation directly with the bank which entered the information on the client into the CCR database (i.e. the lender according to the extract) and which is directly responsible for the correctness of the information stored in the database, or through the relevant foreign register where the complaint concerns information on credit commitments in other countries.


Two bank credit registers currently exist in the Czech Republic:

  • The Central Credit Register (CCR) operated by the Czech National Bank, which pools information on the credit commitments of individual entrepreneurs and legal entities.
  • The Client Information Bank Register (CIBR) operated by the Czech Banking Credit Bureau, which pools information on the credit commitments of natural persons and individual entrepreneurs. In the case of an application for the provision and authentication of a record in this register, the applicant should contact directly the Client Centre of the Czech Banking Credit Bureau (CBCB), Štětkova 1638/18, Praha 4, client support phone number 277 778 600, e-mail: klient@cbcb.cz.