Take out the START, OPEN, or TOP service package, or upgrade your existing older package to one of these, and we’ll open a savings account for you right away (earning interest according to current terms and conditions) along with your current account for everyday payments (non-interest-bearing). You’ll then find the savings account in your digital banking app with the additional label “SAVINGS” (you can, of course, change the name there according to your preferences).

The total interest rate on a savings account consists of three components: the base interest rate, the bonus rate, and the extra bonus rate, with the amounts of these rates depending on whether the current conditions are met. On this page, you'll find everything you need to know about interest rates, the benefits of a savings account, how it works, and answers to frequently asked questions.

From 1 February 2023, you can withdraw cash from Air Bank, Komerční banka, and MONETA Bank ATMs under the same terms and conditions as at all of our ATMs. As a result of this partnership, we’re bringing you an ATM network that’s up to 8 times larger than before. You can choose from more than 2,000 ATMs throughout the Czech Republic.

At shared ATMs, you can also check the balance of your account with us for free, and you can use them to change your card PIN. At the same time, it is possible to deposit cash at any of the 1,000 deposit ATMs under the same conditions.

If you have questions about how the shared ATM network works, you can find the answers on the Shared ATMs page.

Click to Pay is a modern way to pay with a card online, so you no longer have to enter your card information every time you make a purchase. Just save it once to your secure payment profile, and you'll be able to pay for future purchases with just a few clicks—quickly, conveniently, and securely. Upon signing up, you'll save your card in Click to Pay, and when paying at an online store, all you have to do is select the saved card—the details will be filled in automatically, and you can confirm the payment.

Click to Pay offers, above all, greater convenience and speed—you no longer need to write down your card number or remember other details. At the same time, it focuses on security: the merchant never sees your card information, as it is stored in encrypted form. You can use Click to Pay at online stores around the world—just look for the Click to Pay icon when paying. The service operates in accordance with the global standard set by card companies such as Visa and Mastercard.

With the Second Medical Opinion service, get an assessment from leading international specialists in the field of healthcare. Whether you need more information about treatment options, want to confirm your diagnosis, or simply want advice about your health, this service is here for you—online and, of course, in the language of your choice.

For details on how to access and use the service, as well as answers to frequently asked questions, please visit the Second Medical Opinion page.

For OPEN or TOP accounts, you will also get travel insurance, insurance of cards, personal belongings and online purchases. You will pay anything for the insurance – it is already part of the price for the account you have chosen.

Travel insurance is valid continuously, so you do not have to take out a separate and often expensive insurance before your vacation.

What does the insurance cover? Overview of the most important insurance limits:

A more detailed overview of limits, insurance terms and conditions and other important documents are available here.

Insurance of cards, personal belongings and online purchases will back you up in every situation. For example, if you lose your keys or wallet or you do not receive the goods you ordered online, as well as in the event of more serious situations, such as assault or forced withdrawal of cash from an ATM.

What does the insurance cover? Overview of the most important insurance limits:

A more detailed overview of limits, insurance terms and conditions and other important documents are available here.

Overview of insurance limits—downloadable version (PDF)

To report a travel insurance claim, please call +420 283 002 771 or use the online form.

To report a claim under your payment card and personal belongings insurance, call the 24/7 assistance line at +420 283 002 728.

With the Mastercard (Debit Premium) card, you’ll gain access to the My Mastercard programme, which includes many great services, such as uLékaře.cz, where you can use online medical consultations for free or schedule an appointment for yourself or your loved ones with a specialist whenever you need to.

Benefits of the programme

• uLékaře.cz—the possibility to use online medical consultations for free or schedule an appointment for yourself or your loved ones with a specialist whenever you need to. Read more about the service here.
• Mastercard Assistant—an exclusive assistance service available 24 hours a day and 365 days a year. It includes home (technical emergency services) and personal assistance (online shopping), or home delivery if necessary. For more information including the contact details, click here.

Yes, of course—it's easy to switch to us, and we'll take care of everything for you. Stop by any of our branches with your ID card and the number of your original (main) bank account. We'll take care of everything during a single visit and transfer all your standing orders and direct debits to your new account at UniCredit Bank within 13 days.

Yes, you can set up an authorised overdraft, also known as an overdraft, for your account. This means that you can even go into the red with your account balance—specifically, up to a pre-approved limit. The service thus serves as a financial reserve that you can access quickly and at any time. You automatically overdraw your account when you make a payment or withdrawal that exceeds your current account balance. However, it’s important to keep in mind that this is a loan, so interest is charged on the amount drawn (the interest rate is listed on our website). The service is therefore primarily intended to cover short-term expenses rather than as a long-term solution.

There is no fee for setting up an overdraft, which you can take out immediately at any branch; you just need to activate it once.

Yes, you'll receive a new bank ID for the account. If you have active mobile or online banking for your account, you will receive your bank ID automatically—you do not need to request it separately.

A bank identity functions as a "digital ID”. By logging in to your bank, you can use that login to securely access the portals of government agencies and selected companies. You use the same login credentials for this as you do for your online banking.