LVL 1/10 · GO
Prepared for bunq

Enter Czechia, Slovakia and Poland with 500,000 customers waiting for you.

You bring the account. We bring the people, the data and the reason to switch. You pay only for results.

#marketentry #CZ #SK #PL #genz #PSD2
Patron GO app screen Credit score 742 €10 reward unlocked
How it works

Why Gen Z love Patron GO.

It doesn't feel like banking. It feels like a game that pays you back.

🔒 Secure, and built on EU open banking rules (PSD2) ⚡ Instant, and grows with you 🧠 Powered by AI

Tap a quest and watch the app respond 👇

👆 Tap to try

Pick a quest above and watch how the app responds.

Patron GO app screen Save on bills Protect & insure Earn cashback Patron BOT finds deals Refer & earn Ask Patron, chats about your finances Everyday rewards
Patron GO in numbers

Built in Europe. Proven with real customers.

260M+
bank transactions analysed
Real open banking data, CZ/SK/PL
500K+
users signed up
80% from friend referrals
4.8★
App Store rating
Top 10 finance app
Already trusted by bank partners
Created with sketchtool.
Zlata Koruna
Zlatá Koruna 2025
Central European Startup Awards
Startup of the Year
Technology Fast 50
Sifted Top 100
The opportunity

Three markets, and one of them is still open.

Live in all three. Our own users, our own delivery, not market forecasts.

Biggest potential
Czechia
365,000
our home market, and the one still nobody holds
Quests completed in a year
409,047
Saw a quest and did it
86.7%
Gen Z salary at Revolut
2.5%
Slovakia
100,000
euro market, real upside, but Revolut got there first
Quests completed in a year
35,399
Saw a quest and did it
80.2%
Gen Z salary at Revolut
23.9%
Poland
35,000
newest and scaling fast, but Revolut got there first
Quests completed in a year
26,897
Saw a quest and did it
74.2%
Gen Z salary at Revolut
30.5%

All three are worth doing. In Slovakia and Poland you take share from Revolut. In Czechia there is nobody to take it from.

The Czech window

Czechia is the one market no neobank has taken.

Revolut's share of Gen Z salary (green = payroll gets through)
Poland26.2%
Slovakia21.2%
Czechia0.4%
Where a Czech Revolut account gets its money
Card top-up57%
A Czech bank6%
Patron GO open banking data, ages 18-30 with an identifiable payroll credit, to March 2026. Lower chart: incoming credits on our Czech users' Revolut accounts. This is our transaction evidence on where money enters an account, not a statement about any bank's licensing.

The barrier is a domestic account number, not a banking licence.

One question decides each market: can an employer's payroll run actually reach the account?

MarketCan payroll reach it?Revolut
PolandYesLocal IBAN and domestic account number. 78% of credits arrive from a Polish IBAN.26.2%
SlovakiaYesEuro market, so SEPA clears to its Lithuanian IBAN. 63% of salary credits arrive from a Slovak IBAN.21.2%
CzechiaNoNeither a local IBAN nor a domestic account number, so employers cannot pay in at all.0.4%

Czechia is the only no on that list, and the only market where nobody holds the salary. Arrive with a Czech account number and you take it.

The part you already know

Opening an account isn't winning the customer. You already build for that.

01

Account opened

They're in your records now.

02

Account used

Everyday activity starts to move.

03

Becomes the main bank

Income, savings and products follow.

Here is the proof you are right. At one new-entrant bank, 84.5% of the accounts our users connected were brand new, yet it holds just 1.7% of salary accounts on 13.2% of connections.

Acquisition is the easy half. You already optimise for the other one.

What a bank sees

Balances and payments inside one account. Useful, but incomplete.

What Patron GO sees
IncomeWhere does it land?
Daily activityWhich account gets used?
SavingsWhere is it building up?
CreditWho's already lending to them?
We reinforce what you already do, and get you that quality efficiently, in three new markets.
What entry looks like

A new bank in a new market converts better than anyone.

Not a projection. This is the last bank that launched here with no customers.

Bank the user connectedAccount was brand newOpened off our pushDays to connect
A new entrantno customer base in the market yet84.5%89.4%0
A large incumbenteveryone is already there64.7%91.3%0
Revolutsaturated, most already had one27.1%64.2%0
Patron GO Czech data. "Brand new" = the account did not exist before we asked. "Off our push" = attributable to an opportunity we delivered. "Days to connect" is the median gap between push and connection.

Nobody here banks with bunq yet, so there is nothing to cannibalise. That is the highest fresh-account share in our data, and it is your position on day one.

What we will not promise: a new account does not become the salary account on its own. Nobody has solved that yet, us included. That is the hard part, and it is what the partnership is for.

Upsell
Savings & investing
↑
Activity
The account gets used
↑
Acquisition
The account opens

Each layer must work before the next one can. Patron GO is the missing middle layer between onboarding and product value.

You decide how far to go.

No flat fees. You only pay for the results you actually get.

Proven
A

New bank accounts.

Standalone, per verified account
Measured
B

Activity and upsell on bank accounts.

Where it pays off most
Grow
C

Sandbox

Try a new offer for Gen Z, no commitment
62.1%

of Gen Z have no other bank product with real money in it beyond their current account, an opportunity you can reach right now.

8,413 users, ages 18-30, across 10 banks
Build your package

We can deliver 2,000+ new bank accounts a month in Czechia and 1,000+ in each of Slovakia and Poland, and a large portion of those actually become active users.

Acquisition · the account opens

Who you target, and the fee for a verified new account75.5% of the accounts connected at that bank were brand new AND opened off an opportunity we pushed, with a 0-day median gap

€0
Target audience

Activity · the account gets used

Habit-forming milestones, each its own commission lineTypical bank 18.0 active days a month against 25.6 at the sweet spot · 6.9% funded savings against 34.8%

€0

Upsell

What they grow into once the relationship is realBenchmark: 62.1% of young customers hold no funded product beyond a current account today

€0

Getting one loyal bank customer

€150
per customer, with everything you ticked
Built around real products and activities, but the package is flexible. We can scope it around anything from your own product catalogue and price it accordingly.
Let's open three markets together

bunq in Czechia, Slovakia and Poland, on results, not on promises.

Success-based fees. No upfront cost. Live in weeks. Germany is already under way, and the same rails carry all three markets.

Czechia Slovakia Poland Flag of Germany Germany, 1 Oct 2026 France, 2027 Italy, 2027 Spain, 2027
Patron GO app screen
Patron GO for banks