A savings account is included in our current account packages—you can choose from a total of three types, and the monthly keeping fee depends on the currently valid price list. Of course, we offer the basic START account for free, and the TOP account—for more demanding clients—can also be obtained for free once certain conditions are met. As part of our current account packages, savings account keeping is always free, as are transactions.

Yes, you have to. However, this is a convenient combination: you choose a current account (with some accounts, account keeping is free or can be free) and, as part of the package, you immediately get a savings account with it. You can choose from the available account options at any time using this online overview. Of course, you can sign up for the selected current account package—which includes a savings account and other benefits—entirely online or open it at one of our branches.

If you do not meet the conditions for the Bonus Rate, we will not pay you the bonus interest for that month and you will only receive the basic interest. However, if you meet the conditions again in the following month, you will automatically be entitled to the bonus rate payment again.

Yes, deposits held there are, of course, insured by law, up to EUR 100,000.

The interest rate on a savings account is subject to meeting the current eligibility requirements, and its validity is specified on our website. We always inform our clients in advance of the rate for the upcoming period.

Yes, of course. All you have to do is set up a recurring payment from your current account so that money is automatically transferred to your savings account every month (or as often as you specify). That's all you need to do.

No, the money in your savings account is not tied up in any way, and you can use it as you see fit, whenever you need to. However, please keep in mind the limits set for payments made through Smart Banking and Online Banking.

If you set up the transfer as an instant payment, we'll transfer the money between your accounts within a few seconds.

Interest rates are as shown in the table above; specifically, for amounts up to CZK 500,000, you can currently earn up to 4.30% per year, and for amounts up to CZK 2,000,000, you can earn up to 3.00% per year. For larger amounts, we’d be happy to discuss with you whether it makes sense to keep all your savings in a savings account or whether you should consider other ways to grow your money—such as a Term Deposit, Duet Plus, an Investment, or DIP.