Joint report CIBR+NBCIR

The joint report from registers is a comprehensive overview, or a credit report, of your financial obligations provided by banks and financial institutions, members of the CIBR and NBCIR registers. The registres are a source of data for reports and gather information from sixty institutions operating in the Czech market.

Regularly monitoring your financial commitments will lead to financial stability!

Price 200 CZK/report


Ways you can get Joint report

Details and options

200 CZK report

0 CZK processing

0 CZK delivery

You have immediate access to the Joint report CIBR and NBCIR in PDF format. Payment is made by credit card. Identification is done using 


200 CZK Add to cart

Details and options

200 CZK report

150 CZK processing

0 CZK delivery

After verifying your identity in person at the Client Center, the operators will issue the requested report from the register. Payment can be made in cash or by card.


350 CZK Add to cart

Details and options

200 CZK report

150 CZK processing

123 CZK delivery

The report ordered by mail can be paid for online by card or sent cash on delivery (+ 26 CZK). The shipment is delivered by registered mail directly into the hands of the recipient


Starting from 473 CZK Add to cart

Details and options

200 CZK report

150 CZK processing

13 CZK delivery

The report ordered through a data box is only sent to the data box of the applicant for the report, which serves as a unique identifier of the recipient.


363 CZK Add to cart

Details and options

200 CZK report

150 CZK processing

0 CZK delivery

We only accept electronically signed applications using a secure electronic signature with a certificate issued by a qualified certification service provider.


350 CZK Add to cart

Do you need to apply for a mortgage or a loan?

Be prepared and get a complete overview of your credit commitments:

  • A comprehensive list and details of credit products recorded in the banking and non-banking register (CIBR and NBCIR).
  • An overview of monthly and total debt.
  • Assessment of creditworthiness through your score and comparison with age group and region.


We empower you through your data!"

Joint report CIBR+NBCIR – Questions and answers

Here you will find answers to the most frequently asked questions regarding the Joint report CIBR+NBCIR. For more detailed information, please refer to the FAQ section.

You can request reports from registers in person at our Client Center or through our e‑shop. We describe all methods of delivery of individual reports here:

Benefits of Online Report

Need to quickly check your registry statement? Thanks to the portal, you can have it available online at all times. This can come in handy not only before applying for a larger loan, but also periodically, as a check to ensure you haven't forgotten about any of your obligations and that your payments have gone through smoothly.

Tip: Thanks to access to online statements, you'll be able to sleep soundly. Every month, you can be reassured that everything is in perfect order.

5 Advantages of Online Registry Statements:

  • The simplest way to find out if you've forgotten about any of your loans. Just fill out the registration form, and then easily purchase the statement in the e‑shop.
  • The fastest way to access your registry statement – access will be granted immediately after payment is confirmed.
  • Easy access anytime, anywhere – you can request the statement from the comfort of your home or office.
  • The ability to monitor your obligations and their current repayment status on an ongoing basis – checking the current status once a month is ideal.
  • Comprehensive overview of financial obligations from both registries in one place. On, you can check statements from both the Banking (CIBR) and Non-Banking Client Information Registry (NBCIR).

Who Can Request a Report from the Registers?

A natural person or a self-employed natural person who is of legal age and legally competent. If the applicant does not meet any of these conditions, their request will not be accepted. To verify the identity of the applicant, a valid ID card or passport is required. A foreign individual is required to prove their identity with a passport or a residence permit in the Czech Republic. A natural person can authorize representation in the process of applying for the service and related activities based on an officially certified power of attorney (forms). Personal documents are required from the representative to the same extent as from the natural person they represent. If the applicant is the legal representative of the client, some form of proof is required.

A legal entity can also request a statement from the registers and can be represented based on an officially certified power of attorney (forms). In such a case, you will also need this authorization (power of attorney) that allows you to act on behalf of the legal entity, if this information is not directly evident from the Commercial Register extract. If the legal entity is not registered in the Commercial Register maintained by the Ministry of Justice of the Czech Republic (, the applicant is obliged to submit, together with the request, an extract of data about the legal entity from the relevant register or from another record (in original or a certified copy), which must not be older than 3 months; after the request is processed, this extract will be returned to the applicant

What is Included in the Report from the Registers?

The statement from the registers is a comprehensive source of information containing both negative and positive data regarding an individual's overall payment discipline and credit history.

Identification Data

The statement from the registers begins with identification data – for non-business individuals, this includes PERSONAL INFORMATION: name, surname, address, personal identification number, and date of birth. The identifiers also include a code assigned to the subject in the register. If the subject is a business entity, the identification data is supplemented with a company identification number (IČO) and a tax identification number (DIČ).

Summary Evaluation of Credit Contracts

The statement from the registers then provides a list of all credit contracts based on the type of operation and their phase: from application, through rejection, appeal, existence, to termination.

Individual loans are categorized by type of operation into Loans, Housing Loans, Business Loans, Financial and Operational Leases, Overdrafts and debits on the current account, Cards and revolving loans, Accounts for services, and factoring.

Following this is an overview of the ratio of obligations in the individual registers and a comparison to the previous month for Total Monthly Payments, Total Debt Amount, and Unpaid Amounts Past Due. In the joint statement from the Banking and Non-Banking Registers, these three items are calculated across both registers. For example, the total monthly payment is calculated from all loans in both the BRKI and NRKI registers. Each item also shows the breakdown of how much of that amount is in the Banking or Non-Banking Register.

All loan amounts are always listed in the national currency.

List of Contracts

In the next section, details of each individual contract or loan are provided. The details of each type of loan first display items that are current for the given month. For example, the amount of the next installment as of the statement date, the number of remaining installments, and others. Among these items are also so-called maximum calculated items, such as Maximum Unpaid Amount or Worst Status. These values are calculated from the entire history of the contract.

Below this list, there is a table with the repayment profile. The repayment profile provides a detailed description of the last 24 months, such as the trend of the remaining installment amounts in individual months. At the level of each month, you can also see the Unpaid Amounts Past Due if the client did not meet their obligations on time.

Summary of All Applications

The last section provides an overview of all applications made by the client and their role in them. This includes whether the client applied for a loan themselves or played a role as a guarantor or co-applicant. It also includes applications that were rejected by the financial institution or those that the applicant withdrew themselves. In the rejected and withdrawn phases, the applications are displayed on the statement for an additional 12 months or 6 months for applications in the Non-Banking Register.

How to Request Correction of Inaccurate or False Information in Credit Registers?

Have you discovered that the information about you in the BRKI and NRKI registers is incorrect, inaccurate, or incomplete? Please contact us with the completed request for correction of inaccurate or false information. You can find the forms HERE. How can you deliver your request to us?

  1. Online through the client zone of the portal
  2. In person at the CRIF Client Center (don't forget to bring your identification card; we cannot process your request without it)
  3. Via data box ID: R4QDCBE
  4. By mail (if you are of foreign nationality, your signature on this request must be officially certified)

Upon receiving your notification regarding the processing of false or inaccurate information in the registers, we will make every effort, in cooperation with the relevant financial institution, to rectify the situation as soon as possible. If it is not possible to rectify the situation, we will promptly eliminate the false or inaccurate information.

The authority responsible for the out-of-court resolution of consumer disputes under Act No. 634/1992 Coll., on Consumer Protection, as amended, is the Czech Trade Inspection, with its registered office at Štěpánská 657/15, 120 00 Prague 2 (

What is a Report from CIBR and NBCIR?

A statement from the registers provides a comprehensive overview of all credit products you are utilizing or currently applying for. It also includes information about regular and irregular payments, details about payments made after the due date (in other words, payments that did not occur according to the pre-agreed repayment conditions), and other information regarding the parameters of your loans or applications.

Useful Data for Institutions and Clients

A statement from the registers is a valuable document for both the client and the financial institution. When you apply for a loan, financial institutions assess your credibility. They examine whether you have provided all the required information truthfully and whether you have disclosed all your commitments, loans, and credit cards. Financial institutions have access to your statement from the registers, which contains this information. Statements from the BRKI and NRKI registers do not contain information about your income, only about your liabilities.

Confirmation of Financial Condition

A statement from the registers offers insight into your credit history. If it demonstrates that you repay loans in a timely and proper manner, you have a better chance of obtaining a loan compared to someone who repays their obligations late or not at all. A statement from the registers is evidence of your payment reliability and serves as a foundation for successfully building your financial future. Be cautious when dealing with financial institutions that do not work with statements from the registers. If they are not a participant in one of the BRKI and NRKI registers and do not request a statement from the registers, they are unlikely to have a genuine interest in ensuring you can repay their loan."


Where do the data in the Joint report CIBR+NBCIR come from?


Data sources for CIBR

The information used for the extract comes from traditional credit institutions and banks. BRKI stands for the Banking Registry of Client Information.

  • Air Bank, a.s.
  • Banka CREDITAS a.s.
  • BNP Paribas Personal Finance SA, odštěpný závod (CETELEM ČR, a.s.)
  • Česká spořitelna, a.s. (Waldviertler Sparkasse Bank AG)
  • Československá obchodní banka, a.s.
  • ČSOB stavební spořitelna, a.s.
  • Equa bank a.s./Raiffeisenbank a.s.
  • Fio banka, a.s.
  • Hypoteční banka, a.s.
  • Komerční banka, a.s.
  • Max banka a.s.
  • mBank S. A., organizační složka (BRE Bank S. A.)
  • Modrá pyramida stavební spořitelna, a.s
  • MONETA Money Bank, a.s.
  • MONETA Stavební spořitelna a.s.
  • Oberbank AG pobočka Česká republika
  • Raiffeisenbank a.s.
  • Raiffeisen stavební spořitelna a.s.
  • Sberbank CZ, a.s.
  • Stavební spořitelna České spořitelny, a.s.
  • UniCredit Bank Czech Republic and Slovakia, a.s.
  • Všeobecná úverová banka a.s., pobočka Praha
Data sources for NBCIR

The information used for this extract comes from non-banking companies. NBCIR stands for the Non-Banking Registry of Client Information

  • AGRO LEASING J. Hradec s.r.o.
  • ARVAL CZ s.r.o.
  • BMW Financial Services Czech Republic s.r.o.
  • COFIDIS s.r.o.
  • Comfort Money s.r.o.
  • COOL CREDIT, s.r.o.
  • Creamfinance Czech, s.r.o.
  • CreditKasa s.r.o.
  • CreditPortal, a.s.
  • ČSOB Leasing, a.s.
  • Drivalia Lease Czech Republic s.r.o.
  • D. S. Leasing, a.s.
  • EC Financial Services, a.s.
  • ESSOX s.r.o.
  • Fair Credit Czech s.r.o.
  • FCE CREDIT, s.r.o.
  • FlexiFin s.r.o.
  • Home Credit a.s.
  • IMPULS-Leasing-AUSTRIA s.r.o.
  • Leasing České spořitelny, a.s
  • Lemonero s.r.o.
  • Loan2go s.r.o.
  • Mercedes-Benz Financial Services Česká republika s.r.o.
  • MONETA Auto, s.r.o.
  • MONETA Leasing, s. r.o.
  • PROFI CREDIT Czech, a.s.
  • PRONTO CREDIT s.r.o.
  • Provident Financial s.r.o.
  • Raiffeisen – Leasing, s.r.o.
  • RCI Financial Services, s.r.o.
  • SG Equipment Finance Czech Republic s.r.o.
  • Skip Pay s.r.o.SWISS FUNDS, a.s.
  • ŠkoFIN s.r.o.TOMMY STACHI s.r.o.
  • Toyota Financial Services Czech, s.r.o.
  • UniCredit Leasing CZ, a.s.
  • VFS Financial Services Czech Republic s.r.o.
  • Zaplo Finance s.r.o.

What if I am a legal entity?

Legal entities are provided with the same services as natural persons, with the exception of the #kolikmam365 and NetAgent services, which are intended exclusively for registered natural persons in the client zone of the portal. Legal entities can apply through the data box, by post or by email by sending completed request forms for report from the registers, which are available at the link below.