1.Current accounts and deposits
Print the entire chapter Print current view Back to index1.1 Current accounts
1.1.1 Current account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 35,– |
| Cancellation of an account | free of charge |
| Account statement (per statement)** | |
| takeover at Infoterminal | free of charge |
| electronic statement (eVýpis) | free of charge |
| by post upon turnover | 35,– |
| by post weekly | 35,– |
| by post monthly | 35,– |
| by post quarterly | 35,– |
| by post yearly*** | 100,– |
| Copy of an account statement, copy of Debit / Credit Advice | |
| statement for last 12 months | 50,– |
| statement older than 12 months | 150,– |
| Infoterminal | 10,– |
| Account statement – SWIFT (monthly) | 500,– |
| Issuing Confirmation of the balance on the account | 1.000,– |
| Fee for dispatch key (yearly) | 400,– |
| Blocking an account at the Client request | 200,– |
| Fee for reminder to settle debit balance on the account | |
| first reminder | 100,– |
| second and each following reminder | 200,– |
| Subsequent fine for not observing the contractual conditions | 2.000,– |
| Standing order – domestic, SIPO, permitted direct debit – in paper form | |
| establishing | free of charge |
| change | 50,– |
| cancelling | 30,– |
| Standing order – domestic, SIPO, permitted direct debit - electronically | |
| establishing | free of charge |
| change | free of charge |
| cancellation | free of charge |
| Standing order – domestic, SIPO, permitted direct debit via Phone banking service | |
| establishing | free of charge |
| change | free of charge |
| cancellation | free of charge |
| Standing order – foreign | |
| establishing | free of charge |
| change | 100,– |
| cancellation | 100,– |
| Infoterminal | |
| lending of Infocard | free of charge |
| loss of lent Infocard | 200,– |
* The fee is booked on the last day of a calendar month.
** The standard method of statement hand out is via Infoterminal. In case of accounts established before 31.10.2009, the method of statement hand out is agreed in the account contract and the statement is provided for free (except term deposits). Fee is charged for each copy.
1.1.2 Escrow account
| Transaction | in CZK or equivalent |
|---|---|
| Fee for an escrow account | 0, 5 % of the escrow account amount, min 3.000,- |
1.1.3 FIT Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 39,– |
| Cancelling of an account | free of charge |
| Change in the account structure at the clienťs request | free of charge |
* The fee replaces fees for maintance of individual products which are included in an account.
FIT Account includes these products and services:
-
maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based of evaluation on clienťs financial standing performed by the Bank)
-
product for the savings purposes
-
maintenance of a payment card (international debit personal card VISA Electron or Maestro)
-
current account monthly statement creation
-
lending a card enabling takeover of statements via Infoterminal
1.1.4 STYL Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 89,– |
| Cancelling of an account | free of charge |
| Change in the account structure at the clienťs request | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
STYL Account includes these products and services:
-
maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based of evaluation on clienťs financial standing performed by the Bank)
-
product for the savings purposes
-
maintenance of a payment card including travel insurance (international debit personal card VISA Electron or Maestro or VISA Classic or MasterCard Standard)
-
maintenance of the second payment card for 50% of the yearly fee (international debit personal card VISA Electron or Maestro)
-
maintenance of a direct banking service (Internet banking or Phone Banking)
-
current account monthly statement creation
-
Iending a card enabling takeover of statements via Infoterminal
1.1.5 EXCLUSIVE Program
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 199,– |
| Cancelling of an account | free of charge |
| Change in the account structure at the clienťs request | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
EXCLUSIVE Program includes these products and services:
-
maintenance of a current account in CZK with advantageous balance interest
-
maintenance of a current account in foreign currency
-
maintenance of the overdaft loan to one current account (overdraft loan is provided based of evaluation of clienťs financial standing performed by the Bank)
-
maintenance of two payment cards including Standard or Standard Family travel insurance fixed for one of the cards (international personal card VISA Classic or Master Card Standard)
-
maintenance of the third payment card for 50% of the yearly fee
-
maintenance of a direct banking service (Internet banking or Phone banking)
-
conclusion of Securities Administration Contract and Brokerage Agreement and maintenance of custodies for maintenance of securities
-
current account monthly statement creation every current account
-
lending a card enabling takeover of statements via Infoterminal
1.1.6 FREE Account
Program of banking services for students - age group 15 to 30 years.
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | free of charge |
| Cancelling of an account | free of charge |
| Change in the account structure at the clienťs request | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
Free Acount includes these products and services:
-
maintenance of a current account in CZK with advantageous interest including overdraft loan (overdraft loan is provided based on a client financial standing evaluated by the Bank)
-
maintenance of a payment card including Standard travel insurance (international debit personal card VISA Electron or Maestro)
-
maintenance of a direct banking service (Internet banking or Phone Banking)
-
current account monthly statement creation
-
lending a card enabling takeover of statements via Infoterminal
1.1.7 RYBIČKA Account
Program of banking services for children from their birth up to the age of 15 years.
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | free of charge |
| Cancelling of an account | free of charge |
| Account structure changes upon the client´s request | free of charge |
| Fee for cash withdrawal from an account** | 70,– |
* The fee replaces fees for maintenance of individual products which are included in an account.
** Potential surcharge for cash withdrawal pursuant to chapter 2.1 Cash payments is added to the fee.
RYBIČKA Account includes these products and services:
-
maintenance of a current account in CZK with advantageous balance interest
-
maintenance of a payment card (international debit personal card VISA Electron or Maestro for children from 10 to 15 years of age
-
current account monthly statement creation
-
lending a card enabling takeover of statements via Infoterminal
1.2 Savings accounts
1.2.1 Currrent savings account
applies also to Current investment account (account designed for saving) – active offer terminated
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly) | free of charge |
| Cancellation of an account | free of charge |
| Monthly fee for usage of Internet banking service* | free of charge |
| Outgoing payment** | |
| made via electronic banking | |
| entry outside the Bank (including standing order entries, SIPO payments and accepted direct debit) | 18,– |
* The fee stated is being charged if the Internet banking service has been arranged to the Investment current account.
** The above mentioned fee amount applies for transactions carried out via Current savings account. Entries are booked on the last working day of a calendar month. Other fees not mentioned above follow relevant chapters of the List of Fees
1.3 Term deposits
| Transactions | in CZK or equivalent |
|---|---|
| Establishment of a term deposit | free of charge |
| Renewal of revolving term deposit | free of charge |
| Cancellation of a term deposit | free of charge |
1.4 Passbooks
| Transaction | in CZK or equivalent |
|---|---|
| Establishment of a passbook | free of charge |
| Cancellation of a passbook | free of charge |
| Issue of duplicate passbook | 100,– |
| Taking redeem proceedings | 250,– |
| Prohibition of payout initiated by the depositor | 100,– |
| Deposit | free of charge |
| Withdrawal | free of charge |
| Premature withdrawal from current passbook | 0,5 % of the amount withdrawn for each commenced month of notice period not met |
1.5 Others
| Transaction | in CZK or equivalent |
|---|---|
| Blockage of payment of deposit products | 500,– |
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |