Bankruptcy trustee account

We are the No.1 bank for Bankruptcy trustee

The owner of the Insolvency Estate Administration Account can only be a bankruptcy trustee registered in the insolvency register of the Ministry of Justice of the Czech Republic.

Keeping of the Insolvency Estate Administration Account is regulated by a special contract limiting the disposals of funds on the account in terms of both the authorised person and the purpose of use.
Insolvency Estate Administration Accounts are payable on a daily basis.
Access to the account is non-stop via online services.

Insolvency estate administration account keeping alternatives

ALTERNATIVE A – estate administration accounts (the account is held for the trustee’s ID No. or Birth Certificate No.)

The option to choose an account depending on the particular insolvency case:

non-interest bearing accounts with no maintenance fee
interest bearing accounts with a 0.20% p.a. interest rate for accounts denominated in CZK

ALTERNATIVE B – the account is held directly for the bankrupt (the account is held for the bankrupt’s ID No. or Birth Certificate No.)

Fees related to insolvency estate administration accounts

	Insolvency addressed in the form of bankruptcy or reorganisation	Insolvency addressed in the form debt relief
Product opening and keeping
Product opening	free of charge
Product keeping per month	CZK 0/CZK 129 ¹⁾	CZK 0/CZK 50 ²⁾
Settlement of individual transaction	free of charge
Account cancellation	free of charge

Interest Rates

1) CZK 0 for a non-interest bearing alternative (a non-interest bearing account balance) / CZK 129 for an interest-bearing alternative (an interest-bearing account balance based on published interest rates)

2) CZK 0 for a non-interest bearing alternative (a non-interest bearing account balance) / CZK 50 for an interest-bearing alternative (an interest-bearing account balance based on published interest rates)

Other possible fees according to the current Price list.

APPLY

Take advantage of a personal account for the highest standard with a premium credit card, free account maintenance and premium interest rates.

Open a current account with an interest up to 3% p.a.

With a TOP account you get free:

1 current account for everyday payments in CZK
1 current account in CZK for savings with an interest rate of up to 3% p.a. up to CZK 2,000,000
1 current account in EUR and 1 current account in USD
Electronic account statement
Debit Premium payment card with travel insurance and insurance for cards and personal belongings
Cash withdrawals from UniCredit Bank ATMs in the Czech Republic and abroad with a debit card connected to the account
Cash withdrawals from ATMs of other operators in the Czech Republic and abroad with a debit card connected to the account
Cash deposits via UniCredit Bank ATM to accounts held with UniCredit Bank
Cash deposits in CZK to accounts held in CZK at a branch
Internet banking - Online Banking
Mobile banking - Smart Banking
Domestic standing order, direct debit (incl. SIPO) - entering, changing, cancelling electronically
Domestic standing order, direct debit (incl. SIPO) - input on paper form
Domestic and SEPA incoming payments
Domestic standard outgoing credit transfers and SEPA outgoing credit transfers made electronically (outgoing credit transfers incl. standing orders and direct debits incl. SIPO)

Second Medical Opinion

Get advice from top medical experts from around the world and make informed decisions about your health, from the comfort of your home and in the language of your choice.

The Second Medical Opinion service is for OPEN, TOP, PRIVATE or WEALTH account holders.

The total interest rate consists of three parts – the basic interest rate, the bonus rate and the extra bonus rate. The amount of these rates depends on the fulfillment of specific conditions.

How to get a bonus interest rate?

Simply open a START, OPEN or TOP service package from 1 January 2025. Together with it, we will automatically open a current account for everyday payments (non-interest-bearing) and a savings account, the name of which is distinguished by the additional designation "SAVINGS".

You will get the bonus rate if you pay at least 3 times a month with a payment card that is issued for the current account within your service package. If you meet this condition, we will credit your bonus rate to your savings account on the last day of the calendar month following the crediting of the basic interest rate.

How to get the extra bonus rate?

In addition to meeting the above conditions, your account must have received credit income in the total amount of at least CZK 20,000 in a given month, or you must arrange a regular investment to which you will send at least CZK 2,000 each month. If you also meet one of the above conditions, we will credit you with an extra bonus rate along with the extra bonus rate.

You can set up a service package at any of our branches or conveniently online from anywhere.

The basic, bonus interest rate and extra bonus interest rate apply to deposits up to CZK 2,000,000 (inclusive). The validity and amount of the basic interest rate, bonus rate and extra bonus rate are listed in the table here.

Terms of the START, OPEN and TOP Account with Bonus Interest Rate 2025 marketing campaign valid from 1 July 2025 (PDF)

HOW ELSE TO OPEN AN ACCOUNT?

At more than 120 branches.

SEARCH FOR THE NEAREST BRANCH

By phone at 605 236 870 or 725 435 792.

OR LEAVE US YOUR CONTACT DETAILS

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

Accept your customers’ payment cards using UniCredit Bank terminals. You will offer them greater comfort when shopping, make work easier for your employees, and at the same time increase your sales.

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Fast and secure payment over the Internet

Carried out using the most popular Visa and MasterCard
Thanks to 3D Secure and speed of the transaction, your credibility rises and subsequently also the volume of your online transactions
Reducing the risk of fraudulent transactions or failure to collect goods already paid
Allowing for making payments 24 hours a day
Guaranteeing a faster method of payment compared with a mail order business
Easier to implement in your online shop

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