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How to analyze your Komercni banka statement and find the leaks

Jun 24, 2026 · 7 min read

Most people glance at their balance in the KB app and close it. But the real story of your money is not the balance, it is the dozens of small lines underneath it. Your Komercni banka statement is a month-by-month record of every fee, subscription and habit, and once you learn to read it, you start finding money you did not know you were losing.

This guide shows you how to export your Komercni banka statement, where money tends to leak in Czech accounts, and how VESTELON FLOW reads the whole thing for you in minutes. You upload a file, not your bank login, and the first report is free.

How to export your statement

You do not need anything fancy. Komercni banka lets you download your statement (vypis) as a PDF or export it as CSV in a couple of taps from KB+ or Moje banka, and that single file is everything FLOW needs.

Open KB internet banking (KB+ or Moje banka), or the mobile app. Log in the way you normally do.
Open the account you want to analyze. Pick the current account where your salary lands and your daily spending happens.
Go to transactions or statements (pohyby / vypisy). In the KB app this sits inside the account detail.
Download a PDF or export as CSV. Choose the last one to three months for a clear picture. CSV is ideal, but a PDF works perfectly too.
Upload that file to FLOW. You share the exported file, never your login or password, and never give anyone access to your bank.

That is the whole setup. No screen sharing, no open banking connection, no syncing. Just one file you already had the right to download.

How much is your account quietly losing?

Subscriptions12%

Bank fees7%

Housing33%

Transport13%

Lifestyle21%

Utilities14%

This is only an estimate. Upload your statement to find your real number.

Where money quietly leaks with Komercni banka

Once your statement is in front of you, the leaks tend to fall into a few familiar groups. None of these are dramatic on their own, which is exactly why they survive for years.

Monthly account or package fee (poplatek za vedeni uctu or your balicek). A flat charge you may keep paying when you do not meet the conditions that waive it.
Withdrawals from other banks' ATMs (vybery z cizich bankomatu). Each out-of-network cash withdrawal can carry a fee that adds up fast if it is a habit.
Card and transaction fees. Card maintenance, per-payment charges and other small line items hide in plain sight.
Foreign transaction fees. Currency conversions and payments abroad that quietly cost more than the price on the receipt.
Recurring direct debits (inkasa). Standing debits that keep running long after you stopped needing them.
Everyday subscriptions. Streaming, apps, cloud storage and memberships that auto-renew quietly each month.

Here is an illustrative picture of how those lines can stack up. The amounts below are examples to show the shape of the problem, not figures from any real account.

Leak	Example monthly cost	Example yearly cost
Account or package fee	200 Kc	2 400 Kc
Other banks' ATM withdrawals	150 Kc	1 800 Kc
Card and transaction fees	100 Kc	1 200 Kc
Foreign transaction fees	170 Kc	2 040 Kc
Unused subscriptions	600 Kc	7 200 Kc
Total	1 220 Kc	14 640 Kc

Twelve hundred crowns a month feels invisible while it is happening. Almost fifteen thousand crowns a year does not. The gap between those two numbers is exactly what a statement review is for.

Upload your Komercni banka statement and see your leaks, free ›

What FLOW finds in your statement

Reading a statement line by line is slow and easy to abandon. FLOW does the tedious part for you and turns a wall of transactions into a short, honest list of what to act on.

Recurring payments. Every charge that repeats on a schedule, grouped so you can see your true monthly commitments at a glance.
Forgotten subscriptions. The small auto-renewals that slipped your mind, flagged so you can decide what to keep.
The yearly cost of fees. Each recurring fee multiplied out across a year, because the annual number is what makes you act.
Top leaks ranked. Your biggest drains sorted from worst to smallest, so you fix the costly ones first.

Turn the report into recovered money

A list is only useful if it leads to action. Here is the order that gets the most back for the least effort.

Cancel what you do not use. Start with the subscriptions and add-ons you had forgotten existed. This is the fastest, painless win.
Match your account package to reality. If you pay for a balicek you have outgrown, switch to one that fits how you actually bank, or meet the conditions that waive the fee.
Change the habits that trigger fees. Use your own bank's ATMs, review your inkasa, and batch what you can.
Redirect what you free up. Send every recovered crown straight into savings or an emergency fund, before it quietly gets spent again.

None of this requires earning more or living on less. It is simply keeping money that was already leaving you for no good reason.

Start with one statement

You do not have to overhaul your whole financial life today. You just have to read one statement properly, and you do not even have to do that part yourself. Export your Komercni banka statement from KB+ or Moje banka, upload the file to FLOW, and let it show you exactly where your money is going and what to cut first. No bank login, and your first report is free.

See where your money leaks, free ›

Upload one bank statement. FLOW shows exactly where your money leaks today, what it is worth once you redirect it, and the year it could set you free. Not another tracker: a plan you can act on.

Get my free reportFree first report · No card needed · No bank login · Delete anytime · GDPR-first