Skip Pay review
Updated September 29, 2026 · DebitCue Editorial Team · Facts checked September 28, 2026
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Our verdict
Skip Pay suits Czech shoppers who chase cashback in selected partner e-shops without paying a holding charge. It combines annual fee of CZK 0 with APR of 0% plus currency conversion fee of 0% and rewards of Up to 20% back in selected e-shops under Czech National Bank oversight.
Key facts
- Best for
- Partner e-shop cashback with free card holding
- Annual fee
- CZK 0 (Source, checked September 28, 2026)
- APR
- 0% (Source, checked September 28, 2026)
- Currency conversion fee
- 0% (Source, checked September 28, 2026)
- Rewards type
- Cashback (Source, checked September 28, 2026)
- Rewards rate
- Up to 20% back in selected e-shops (Source, checked September 28, 2026)
- Card kind
- Credit (Source, checked September 28, 2026)
- Regulators
- Czech National Bank (Source, checked September 28, 2026)
- Legal entity
- Skip Pay s.r.o. (Source, checked September 28, 2026)
- Headquarters
- Czechia (Source, checked September 28, 2026)
- Support channels
- Email, Chat, Help-centre (Source, checked September 28, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- skippay.cz
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- Annual fee of CZK 0 keeps holding costs at free while model stays no annual fee
- APR of 0% keeps borrowing charges low on the credit card
- Currency conversion fee of 0% helps cross border e-shop spend
Cons
- Support runs on email, chat and help centre only, which may deter callers who prefer voice help
- Rewards focus on cashback in selected e-shops, so value narrows outside Up to 20% back in selected e-shops
Ready to try Skip Pay?
Scored 9.2 / 10 by DebitCue.
Who it suits
- Choose Skip Pay over Bitpanda when selected e-shop cashback of Up to 20% back in selected e-shops matters more than crypto linked extras
- Choose Skip Pay over eToro when APR of 0% plus annual fee of CZK 0 fits planned card use better
Who should look elsewhere
- Choose PUMB over Skip Pay when branch style service or local account features weigh heavier than partner cashback
- Choose eToro over Skip Pay when multi currency spending tools matter more than cashback of cashback in selected shops
How Skip Pay compares
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.2Shares annual fee of $0, useful for fee aware shoppers comparing holding costs
9.2 vs 8.8
9.2 vs 9.4
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2Shares annual fee of €0, relevant for shoppers weighing cashback against crypto linked cards
9.2 vs 9.0
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Skip Pay is available
- Available
- Czechia
- Licence in Czechia
- Czech National Bank, checked September 28, 2026
Countries from the brand (Source, checked September 28, 2026)
Frequently asked questions
What does Skip Pay charge each year for the card?+
Skip Pay charges annual fee of CZK 0 for the card, and the model stays no annual fee. That keeps holding costs at free while rewards remain available in selected e-shops. Shoppers who dislike yearly charges may find that structure appealing.
What APR applies to Skip Pay?+
Skip Pay lists APR of 0% on its credit card. That level keeps interest costs low when balances carry over time. Borrowers should still clear balances where possible, as terms may vary with credit review and use.
How does Skip Pay cashback work?+
Skip Pay pays cashback of cashback that earns Up to 20% back in selected e-shops. Value concentrates in selected partner e-shops rather than across all spend. Shoppers who buy often from those partners may gain more than shoppers who spread spend widely.
What does Skip Pay charge for currency conversion?+
Skip Pay charges currency conversion fee of 0%. That keeps cross border online orders free of added conversion markup at checkout. Cardholders who shop in other currencies may value that clarity, though merchant charges may still apply separately.
Is Skip Pay regulated?+
Skip Pay lists oversight from Czech National Bank and a home base in Czechia. That link gives shoppers a clear supervisory contact in Czechia. Funds and credit terms still carry risk, so readers should review current disclosures before applying.
How can cardholders get help from Skip Pay?+
Skip Pay offers support through email, chat and help centre. Shoppers can write by email, use chat, or browse the help centre for guides. Support runs on email, chat and help centre only, so those who prefer voice help should weigh that limit before applying.
Sources
- skippay.cz/balicek-maxi checked September 28, 2026
Backs: Pricing model
- skippay.cz/cenik checked September 28, 2026
Backs: Annual fee
“Cenik balicku MAXI - Vyuzivani balicku 0 Kc”
- skippay.cz/karta checked September 28, 2026
Backs: APR, Card kind, Features, Rewards rate, Rewards type
“Skip Pay karty - vycerpate limit 20 000 Kc a RPSN bude 0 %”
- skippay.cz/kontakty checked September 28, 2026
Backs: Headquarters, Legal entity, Support channels
“Skip Pay s.r.o., Vymolova 353/3, 150 00 Praha 5 - Radlice”
- skippay.cz/kurzovni-listek checked September 28, 2026
Backs: Currency conversion fee
- skippay.cz/o-skippay checked September 28, 2026
Backs: Regulators, Licences
Compiled from 6 source pages, checked September 28, 2026. We did not open an account.