Savings account | UniCredit Bank

A savings account

that will put a smile on your face

Save up at a great rate—for whatever you want

Just a few conditions, and you’ll get an annual interest rate of 3.7% on amounts up to CZK 500,000.
We also offer attractive interest rates on larger deposits, up to CZK 2,000,000.
You can set up a savings account online, along with a current account.

Why set up a savings account, anyway?

EVEN TODAY, IT MAKES SENSE FOR SEVERAL REASONS

Money aside

A separate account keeps your savings separate from your everyday expenses, so you're less tempted to spend them impulsively.

Always available

Of course, you can easily withdraw your savings from your account at any time—whether all of it or just a portion.

Insured deposits

Your money is protected; specifically, within the EU, the standard coverage is up to EUR 100,000 per client.

Interest on savings

In a savings account, your money grows thanks to interest, whereas in a regular current account, it generally does not.

As your financial cushion and for your dreams

You can comfortably build up the necessary financial reserve and continue to save for your personal goals and larger aspirations.

Completely free of charge

There is no fee for opening the savings account itself, and there are no account keeping fees or for transactions.

How to get the best interest rate on a savings account

The total savings rate consists of three components: the base rate, the bonus rate, and the Extra bonus rate. You can find the current rates in the table:

Term of validity of interest rates	Interest-bearing deposit balance	Base rate	Bonus rate	Extra bonus rate	Total interest rate
1 July 2026 – 31 August 2026	CZK 0.00 – 500,000.00	0.01%	1.69%	2.00%	3.70%
1 July 2026 – 31 August 2026	CZK 500,000.01 – 2,000,000	0.01%	1.69%	1.30%	3.00%
1 June 2026 – 30 June 2026	CZK 0.00 – 500,000.00	0.01%	1.69%	1.80%	3.50%
1 June 2026 – 30 June 2026	CZK 500,000.01 – 2,000,000	0.01%	1.69%	1.30%	3.00%

We do not pay interest on amounts over CZK 2,000,000 in savings accounts.

The rates listed above are subject to certain conditions. So how can you get the highest interest rate?

Base rate—As our client, you’ll receive this automatically, with no strings attached.
Bonus rate—We’ll give it to you if you make at least 3 card payments per month using the card linked to your current account as part of your package. If you meet the condition, we will credit the interest to your savings account on the last day of the calendar month following the crediting of the base rate.
Extra bonus rate—To qualify for this rate, in addition to meeting the above condition, you must either have a credit turnover of at least CZK 20,000 deposited into your current account during the given month, or set up a recurring investment of at least CZK 2,000 per month with us. Interest is then credited in a similar manner.

Terms and Conditions of the START, OPEN, and TOP Accounts with a Bonus Interest Rate 2026 Marketing Campaign, effective as of 3 August 2026 (PDF)

How much can you earn from your savings?

To give you a better idea, below is an illustrative calculation of a 5-year savings plan at an interest rate of 3.5% p.a. (This rate is not guaranteed and may change over time, either up or down.)

Monthly deposit	Total deposits	Total interest	Total after 5 years
CZK 500	CZK 30,000	CZK 2,733	CZK 32,733
CZK 1,000	CZK 60,000	CZK 5,466	CZK 65,466
CZK 2,000	CZK 120,000	CZK 10,932	CZK 130,932
CZK 5,000	CZK 300,000	CZK 27,331	CZK 327,331

The calculation in the table above is for illustrative purposes only and does not take into account the current tax rate on interest.

TIP: It makes sense to have a savings account primarily as a place to keep or build up your financial reserve (ideally for a loss of income, a car breakdown, etc.). Experts recommend that it be equal to 3–6 months' worth of expenses. You can certainly continue saving beyond this amount—for example, to make your dreams come true. However, it’s usually worth investing larger amounts to give your savings a chance to earn more.