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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 2026 - valid from 1 February 2026 (PDF)

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

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 process differs slightly depending on whether you have already had a term deposit before and therefore already have a so-called deposit account for term deposits:
 

A) If you already have or previously had a term deposit:

  1. Log in to your Smart Banking or Online Banking.
  2. Go to the Savings and Investments section, click on the Term Deposits tab, and then select New Term Deposit.
  3. Set up your new term deposit according to your preferences – choose the current account from which the funds will be taken, the deposit amount, the deposit term, and the deposit type (recurring or one‑off). You will immediately see the interest rate. If you agree, submit the form for signing.
  4. Then review all information about your deposit and confirm its accuracy with your signature.
    You sign in the usual way as for payment approvals:
  • in Smart Banking using biometric authentication or PIN
  • in Online Banking via a confirmation notification sent to your Smart Banking app
     

B) If you have not yet had any term deposit:

Via Online Banking

  1. Log in to your Online Banking.
  2. Go to the Savings and Investments section, click on the Term Deposits tab, and then select Open Deposit Account.
  3. Fill in the required information, especially the currency of the deposit account, which must match the currency of your current account. In this currency, you will later be able to open term deposits.
    After providing all required information, mandatory contractual documents will be displayed. You need to review them and sign them using Smart Banking.
    After signing, you will be automatically logged out from Online Banking.
  4. After logging in again to Online Banking or Smart Banking, you will find the option to open your first term deposit in the Term Deposits section (see steps in Part A above).


Via Smart Banking

  1. Log in to your Smart Banking. Go to Offers – Investments & Savings – Term Deposits, or in your current account select Options – Open Term Deposit.
  2. Fill in the required information, especially the currency of the deposit account, which must match the currency of your current account. In this currency, you will be able to open term deposits. After providing all required information, mandatory contractual documents will be displayed. You need to review them and sign them using Smart Banking.
  3. Once the process of opening the deposit account is complete, you will be able to open your first term deposit in the same sections (see steps in Part A above).
  4. In Smart Banking, you can also open a deposit account in a second currency (e.g. EUR, USD), provided you also have a current account in that currency, and subsequently open term deposits in those currencies as well.
     

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 2,0% 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
  • 2,0% 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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