Interest rates

Current accounts

Interest rates (p.a.) of current accounts valid from 1st January 2017

 

Current accounts FROM TO RATE
U konto 0 -- 0,01 %
PREMIUM account
0 -- 0,01 %
CHILDREN account 0
30 000
29 999
--
1,00 %
0,01 %
       
PERSONAL CURRENT ACCOUNTS FROM
TO RATE
Base Deposit Rate (BDR) - for accounts in CZK
0 -- 0,00 %
Base Deposit Rate (EUR BDR) - for accounts in EUR 0 -- 0,00 %
Special Deposit Rate (SDR) - for accounts in CZK 0 -- 0,00 %
Special Deposit Rate (EUR SDR) - for accounts in EUR 0 -- 0,00 %
Reference Deposit Rate (RDR) - for accounts in CZK 0 -- 0,00 %
Reference Deposit Rate (EUR RDR) - for accounts in EUR 0 -- 0,00 %

 

PERSONAL ACCOUNTS NO LONGER ON OFFER FROM TO RATE
Cool account PRO MLADÉ, EXPRESNÍ account, AKTIVNÍ account, PERFEKTNÍ account, SENIOR account
0 -- 0,01 %
POHODA account, Partners account, MOZAIKA account, KOMPLET account, Personal Menu Forte, Personal menu Grand
0 -- 0,01 %
EXKLUSIVE account 0 -- 0,1 %
Account Partners Plus
0
150 000
149 999
--
0,00 %
0,00 %
Student account 0 -- 0,25 %
KOMFORT account, KOMFORT GLOBAL account 0
50 000
500 000
49 999
499 999
--
0,01 %
0,25 %
0,25 %
KOMPLET account for notaries, PERFEKTNÍ account for notaries 0 -- 0,20 %

 

BUSINESS ACCOUNTS AND BUSINESS CURRENT ACCOUNTS
FROM TO RATE
Business account START, Business account ACTIVE,
Business account MASTER, Business account GOLD
0 -- 0,01 %
DOMOV account 0
500 000
499 999
--
0,01 %
0,01 %
PROFESE Plus account 0 -- 0,10 %
Current account for freelancers 0 -- 0,10 %
       
SPECIAL-PURPOSE ACCOUNTS
FROM TO RATE
Custody account for notaries CZK 0 -- 0,10 %
Custody account for notaries EUR 0 -- 0,00 %
Custody account for notaries USD 0 -- 0,10 %
Custody account for lawyers CZK 0 -- 0,10 %
Custody account for lawyers EUR 0 -- 0,00 %
Custody account for lawyers USD 0 -- 0,10 %
Accounts for bankruptcy trustees CZK 0 -- 0,10 %
Accounts for bankruptcy trustees EUR 0 -- 0,00 %
Accounts for bankruptcy trustees USD 0 -- 0,00 %
Auctioneer's accounts CZK 0 -- 0,10 %
Auctioneer's accounts EUR 0 -- 0,00 %
Auctioneer's accounts USD 0 -- 0,00 %
EXEKUTOR account (interest-bearing variant) CZK 0 -- 0,10 %
EXEKUTOR account (non-interest-bearing variant) CZK 0 -- 0,00 %

 

BUSINESS ACCOUNTS NO LONGER ON OFFER FROM TO RATE
PRO PODNIKATELE account, BUSINESS Konto 5, BUSINESS Konto 20,
BUSINESS Konto 70, BUSINESS Konto Exklusive

0 -- 0,01 %
BUSINESS Konto 70 Plus, BUSINESS Konto Exklusive Plus 0
500 000
499 999
--
0,01 %
0,01 %
Kondominium account 0
500 000
499 999
--
0,01 %
0,01 %
Professional Menu, Top Professional Menu 0
500 000
499 999
--
0,01 %
0,01 %
PROFESE account 0 -- 0,10 %

 

Other current accounts

The credit balance of individually maintained current and technical accounts in CZK and in foreign currencies is not interest bearing by default.

The credit balance of current accounts in CZK for currencies involved in any accounts/packages other than the above stated and current accounts in foreign currencies involved in the accounts/packages is not interest bearing by default.

Penalty interest of current accounts

The late payment interest rate for receivables of the Bank in CZK is set as five times the rate announced by the CNB as the Lombard rate for the Czech currency during the period of delay.
The late payment interest rate for receivables of the Bank in foreign currencies is set as five times the rate announced by the Central Bank of the country of the relevant currency as the Lombard or its corresponding rate for the relevant currency during the period of delay.

If, however, the five times such stated (Lombard or similar) rate is lower than 20% p.a., then the Bank is entitled to apply a fixed late payment interest of 20% p.a. to the outstanding amounts.

Savings accounts

Interest rates for PRIMA savings account

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 499 999 0,20 01.03.2016
500 000 --- 0,01 01.03.2016

Note: 

Interest rates are given in % p.a. For remuneration purposes, the credit balance of PRIMA savings account is divided into deposit and corresponding interest rate zones, and each portion of the credit balance of PRIMA savings account bears interest at a rate corresponding to the relevant interest rate zone.

 

Interest rates for savings account MULTI konto (Sale ended on 31.8.2013)

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic
0 999 999 0,1 01.02.2017
1 000 000 --- 0,01 01.03.2016

 

Interest rates for Unique savings PLUS

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 199 999 0,01 01.01.2017
200 000 19 999 999 0,05 01.01.2017
20 000 000 --- 0,01 01.01.2017

 

 

Interest rates for Unique savings with optimum amount of CZK 150,000 *
(Sale ended on 31.12.2014)

  Amount        
Code Country From Do Rate Valid from
CZK Czech Republic
0 74 999 0,01 01.01.2017
75 000 149 999 0,05 01.01.2017
150 000 --- 0,01 01.01.2017

 

 

Interest rates for Unique savings with optimum amount of CZK 300,000 *
(Sale ended on 31.12.2014)

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic
0 149 999 0,01 01.01.2017
150 000 299 999 0,05 01.01.2017
300 000 --- 0,01 01.01.2017

 

 

Interest rates for Unique savings with optimum amount of CZK 600,000 *
(Sale ended on 31.12.2014)

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 299 999 0,01 01.01.2017
300 000 599 999 0,05 01.01.2017
600 000 --- 0,01 01.01.2017

 

 

Interest rates for Unique savings with optimum amount of CZK 1,200,000 *
(Sale ended on 31.12.2014)

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 599 999 0,01 01.01.2017
600 000 1 199 999 0,05 01.01.2017
1 200 000 --- 0,01 01.01.2017

Interest rates for Unique savings PLUS with optimum amount of CZK 20,000,000 * for Private banking clients

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 199 999 0,01 01.01.2017
200 000 19 999 999 0,10 01.01.2017
20 000 000 --- 0,01 01.01.2017

Note 
Interest rates are given in % p.a. For remuneration purposes, the credit balance of Unique savings is divided into deposit and corresponding interest rate zones, and each portion of the credit balance of Unique savings account bears interest at a rate corresponding to the relevant interest rate zone.

 

Interest rates for savings account (Sale ended on 31.12.2014)

  Amount Period for release of financial resources                
Code Currency name From To 1 week
2 weeks
1 month
2 months
3 months
6 months
Valid from
CZK KORUNA 0 29 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
30 000 --- 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
CHF SWISS FRANC 0 1 499 0,00 0,00 0,00 0,00 0,00 0,00 01.01.2016
1 500 9 999 0,00 0,00 0,00 0,00 0,00 0,00 01.01.2016
10 000 49 999 0,00 0,00 0,00 0,00 0,00 0,00 01.01.2016
50 000 149 999 0,00 0,00 0,00 0,00 0,00 0,00 01.01.2016
150 000 --- 0,00 0,00 0,00 0,00 0,00 0,00 01.01.2016
EUR EURO 0 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
1 000 9 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
10 000 49 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
50 000 149 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
150 000 --- 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
USD AMERICAN DOLLAR 0 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
1 000 9 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
10 000 49 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
50 000 149 999 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015
150 000 --- 0,01 0,01 0,01 0,01 0,01 0,01 01.10.2015

 

For remuneration purposes, the credit balance of Savings accounts is divided into deposit and corresponding interest rate zones, and each portion of the credit balance of Savings accounts bears interest at a rate corresponding to the relevant interest rate zone.

Savings accounts in CZK with 2 months’ notice period have not been offered by the Bank since 1. 3. 2010.

 

  Amount Period for release of financial resources 1 DAY      
Code Currency name From To Rate Valid from
CZK KORUNA 0 74 999 0,01 01.10.2015
75 000 149 999 0,01 01.10.2015
150 000 --- 0,01 01.10.2015

The savings account with one day’s period for release of financial resources within PRAKTIK account or Partners account is no longer offered by the Bank.

Note: Interest rates are given in % p.a.

Interest rates for MULTI savings account (Sale ended on 31.8.2013)

  Amount        
Code Country From To Rate Valid from
CZK Czech Republic 0 999 999 0,20 01.03.2016
1 000 000 --- 0,01 01.03.2016

Note: 

Interest rates are given in % p.a. For remuneration purposes, the credit balance of MULTI savings account is divided into deposit and corresponding interest rate zones, and each portion of the credit balance of MULTI savings account bears interest at a rate corresponding to the relevant interest rate zone.

Interest rates for Plus savings account (Sale has ended)

  Amount      
Currency Country From To Rate
CZK Czech Republic 0 199 999 0,00 %
200 000 499 999 0,00 %
500 000 999 999 0,00 %
1 000 000 4 999 999 0,00 %
5 000 000 9 999 999 0,00 %
EUR EMU 0 9 999 0,00 %
10 000 49 999 0,00 %
50 000 249 999 0,00 %
250 000 499 999 0,00 %
USD USA 0 9 999 0,00 %
10 000 49 999 0,00 %
50 000 249 999 0,00 %
250 000 499 999 0,00 %

Interest rates for Deposit books (Sale has ended)

Without notice period

  Amount    
Currency From To Rate
CZK 0 --- 0,01 %
USD 0 --- 0,01 %
EUR 0 --- 0,01 %

With notice period

  Amount Period    
Currency From To 3 months 6 months
CZK 0 --- 0,01 % 0,02 %

Note:
Interest rates are given in % p.a. For remuneration purposes, the credit balance of Plus savings account and Deposit books is divided into deposit and corresponding interest rate zones, and each portion of the credit balance of Plus savings account and Deposit books bears interest at a rate corresponding to the relevant interest rate zone.

Term deposits

Term deposit

Valid from: 13.03.2017

CZK: THS
1 WEEK
2 WEEK
1 MON. 2 MON. 3 MON. 6 MON. 9 MON. 12 MON.
<0 - 50)* 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<50 - 200) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<200 - 500) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<500 - 1000) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<1000 - 5000) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
CZK: THS
(WITHOUT CAPITALIZATION)
2 YEARS
3 YEARS
5 YEARS
<0 - 50)* 0,08 0,24 0,67
<50 - 200) 0,08 0,24 0,67
<200 - 500) 0,08 0,24 0,67
<500 - 1000) 0,08 0,24 0,67
<1000 - 5000) 0,08 0,24 0,67

* Minimum deposit of CZK 30,000

Valid from: 13.03.2017

EUR: THS
1 WEEK
2 WEEKS
1 MON.
2 MON.
3 MON.
6 MON.
9 MON.
12 MON.
<1 - 10) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<10 - 50) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<50 - 250) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<250 - 500) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
EUR: THS
(WITHOUT CAPITALIZATION)
2 YEARS
3 YEARS
5 YEARS
<1 - 10) 0,1 0,13 0,49
<10 - 50) 0,1 0,13 0,49
<50 - 250) 0,1 0,13 0,49
<250 - 500) 0,1 0,13 0,49

Valid from: 25.04.2016

USD: THS
1 WEEK
2 WEEKS
1 MON. 2 MON. 3 MON. 6 MON. 9 MON. 12 MON.
<1 - 10) 0,01 0,01 0,01 0,01 0,01 0,05 0,10 0,30
<10 - 50) 0,01 0,01 0,01 0,01 0,01 0,05 0,10 0,30
<50 - 250) 0,01 0,01 0,01 0,01 0,01 0,05 0,10 0,30
<250 - 500) 0,01 0,01 0,01 0,01 0,01 0,05 0,10 0,30
USD: THS
(WITHOUT CAPITALIZATION)
2 YEARS
3 YEARS
5 YEARS
<1 - 10) 0,80 1,10 1,50
<10 - 50) 0,80 1,10 1,50
<50 - 250) 0,80 1,10 1,50
<250 - 500) 0,80 1,10 1,50

Bills of deposit

Bills of deposit (For retail clients, the sale ended on 31.12. 2014)

Valid from: 04.04.2016

CZK: THS
1 WEEK
2 WEEKS
1 MON. 2 MON. 3 MON. 6 MON
9 MON. 12 MON.
<0 - 50)* 0,06 0,06 0,06 0,07 0,12 0,12 0,16 0,16
<50 - 200) 0,06 0,06 0,06 0,07 0,12 0,12 0,16 0,16
<200 - 500) 0,06 0,06 0,06 0,07 0,12 0,12 0,16 0,16
<500 - 1000) 0,06 0,06 0,06 0,07 0,12 0,12 0,16 0,16
<1000 - 5000) 0,06 0,06 0,06 0,07 0,12 0,12 0,16 0,16

* Minimum deposit CZK 20 000,-

EUR: THS
1 WEEK 2 WEEKS
1 MON. 2 MON. 3 MON. 6 MON
9 MON. 12 MON.
<1 - 10) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<10 - 50) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<50 - 250) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
<250 - 500) 0,01 0,01 0,01 0,01 0,01 0,01 0,01 0,01
USD: THS
1 WEEK
2 WEEKS
1 MON. 2 MON. 3 MON. 6 MON. 9 MON. 12 MON.
<1 - 10) 0,17 0,17 0,17 0,17 0,17 0,21 0,26 0,46
<10 - 50) 0,17 0,17 0,17 0,17 0,17 0,21 0,26 0,46
<50 - 250) 0,17 0,17 0,17 0,17 0,17 0,21 0,26 0,46
<250 - 500) 0,17 0,17 0,17 0,17 0,17 0,21 0,26 0,46

 

 

Credit cards

Credit card

Product name Monthly interest rate Annual interest rate
Visa Classic 1,95 % p.m. 23,40 % p.a.
Visa Gold 1,33 % p.m. 15,96 % p.a.
Visa AXA 1,95 % p.m. 23,40 % p.a.
Visa Electron AXA  1,95 % p.m.  23,40 % p.a.
Visa Generali  1,95 % p.m.  23,40 % p.a.
MasterCard Agip  1,95 % p.m.  23,40 % p.a.
MasterCard Miles and More Standard  1,95 % p.m.  23,40 % p.a.
MasterCard Miles and More Gold  1,58 % p.m.  18,96 % p.a.

Personal loans

Personal loan

Product name Interest rate
PRESTO Loan - loan without purpose from 5,40 % p.a.
PRESTO Loan Refinancing from 4,90 % p.a.
PRESTO Loan - Loan transfer from 3,90 % p.a.
PRESTO for living
frrom 4,9 % p.a.
Bank overdraft 18,00 % p.a. 

Overdue Bank’s receivables from individuals – non-entrepreneurs bear default interest rates as per the Government Regulation No. 351/2013 as amended, currently at 8.05% p.a.

Mortgage loans

Mortgage loans

Fixed period U Mortgage purpose
 to 80%

U Mortgage purpose from 81% to 90%
U Mortgage combined U Mortgage without purpose
1 2,29 % 3,29 % 2,29 % 2,99 %
2 2,29 % 3,29 % 2,29 % 2,99 %
3 2,29 % 3,29 % 2,29 % 2,99 %
5 2,49 % 3,49 % 2,49 % 2,99 %
7 2,49 % 3,49 % 2,49 % 2,99 %
10 2,59 % 3,59 % 2,59 % 2,99 %
Variable rate 1,79 % 2,79 % 1,79 % 2,99 %
Basic rate for mortgage loans – BMR 0,59 %
Basic rate for mortgage loans – BMR2 0,70 %



 

Operating capital loans

Entrepreneurs and small business, Freelancers

Interest rates are established individually and are derived from the “Base Lending Rate Small Business Overdraft” (BLR SB OVERDRAFT), which is the bank’s basic interest rate for Small Business operating capital loans and is updated and announced on a daily basis.

Value of BLR SB OVERDRAFT 1.6% p.a. CZK

Value of BLR SB OVERDRAFT 1.5% p.a. EUR

Value of BLR SB OVERDRAFT 1.14% p.a. USD

Corporate and public sector

The “Base Lending Rate Overdraft” and “Base Lending Rate Notice” are the bank’s basic interest rates for overdraft loans of corporate clients and the public sector and are updated on a daily basis.

  CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,22 % p.a.
     
Value of BLR OVERDRAFT: 0,65 % p.a. 0,32 % p.a.

History

 

01.04.2016 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,22 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,32 % p.a.
     
01.03.2016 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,29 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,39 % p.a.
     
01.02.2016 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,32 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,42 % p.a.
     
01.01.2016 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,34 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,44 % p.a.
     
01.12.2015 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,39 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,49 % p.a.
     
01.11.2015 CZK EUR
     
Value of BLR NOTICE: 0,55 % p.a. 0,43 % p.a.
     
Value of BLR OVERDRAFT 0,65 % p.a. 0,53 % p.a.

 

Mobile Phones
Smart Banking

- An easy and convenient way to control your account

- The fastest login using your fingerprint

- Free of charge for all accounts and with significant savings on transactions

or or
Spinning wheel animation

Loading