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Deposits & Savings

Financial reserve is always a good thing to have.

The total interest rate, which consists of the basic interest rate and the bonus rate, applies to the Account START, OPEN or Account TOP service packages opened from 1 January 2025. The validity of the base rate and the bonus rate is shown in the table below.

WHAT IS REQUIRED TO GET THE BONUS INTEREST RATE?

You only need to open a START, OPEN or TOP service package from 1 January 2025. We will open a current account for payment purposes (non-interest-bearing) and a savings account, distinguished by the additional designation "SAVINGS", on which we will set the basic interest rate on the second day after its opening. You will receive the bonus rate upon meeting the condition of making 3 payments with the debit card issued with your START, OPEN or TOP current account and will be paid monthly into the savings account on the last day of the calendar month following the base interest rate. Both the base and bonus interest rates apply to deposits up to CZK 2,000,000. The validity and amount of the base rate and bonus rate are shown in the table below. You can open a service package at any of our branches or conveniently online from anywhere.

Terms and conditions of the marketing campaign Account START, OPEN and TOP with bonus interest rate 2025 - valid from 1 May 2025 (PDF)

Campaigns' terms and conditions are published only in Czech language.

Term Deposits

Are you looking for a safe way to increase the value of your available money in CZK or in selected foreign currencies? Then our term deposits are the right choice!

What do you get?

  • Excellent value for your money for all deposit levels
  • No fees throughout the entire process - setup, maintenance, and termination
  • A guaranteed fixed interest rate for the entire duration of the deposit
  • Flexibility to choose the deposit duration and type (monthly time deposit can be arranged with automatic recurrence)
  • Minimum deposit amount of CZK 30,000, no maximum limit. All your funds are insured by law.
  • Possibility of term deposit in EUR for 1, 6 or 12 months according to current interest rates

Actual interest rates

 

How can you arrange it through Online Banking?

The procedure differs slightly depending on whether you have ever had a fixed-term government and therefore whether you have already set up a fixed-term deposit account:

A) If you already have an account for fixed-term deposits:

  1. Log in to your Online Banking
  2. Go to the Saving and Investments section, click on the Term Deposits tab, and then Create New term deposit.
  3. Customize your new fixed-term deposit according to your preferences - select the duration, type (recurring or one-time), and other parameters. You'll see the interest rate immediately. Submit the form.
  4. Finally, sign your request in the usual manner, just like when authorizing payments in Online Banking using your mobile phone.

 

B) If you don't have an account for Term deposits (never had one before):

  1. Log in to your Online Banking
  2. Go to the Saving and investments section, click on the Term deposits tab, and then Apply for an Account for term deposits.
  3. Fill out and submit the form to apply for the Account for Term deposits. Choose the account currency in which your future Term deposits will be. We will create the account within 1 business day and notify you through Online Banking and Smart Banking.
  4. After receiving the confirmation of your Term deposit account setup, proceed to the Term Deposits section, where you'll find a form/calculator for your all future Term deposits.
  5. Customize your new deposit as desired - select the duration, type (recurring or one-time), and other parameters. You'll see the interest rate immediately. Submit the form.
  6. Finally, sign your request in the usual manner, just like when authorizing payments in Online Banking using your mobile phone.

 

How can you arrange it in person?

Contact your banker or any UniCredit Bank branch to arrange.

Apply

SAVE Savings Account

Credit your SAVE Savings Account held with our Bank with your available funds and get a guaranteed 2,5% interest rate.

What do you get?

  • money in your savings account is always instantly available
  • opening and keeping of the savings account is free of charge
  • 2,5% rate up to CZK 500 thousand
  • all domestic incoming and domestic outgoing electronic payments are free of charge

More information

Apply

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