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)* | 150,– |
| 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 PROFIT Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 169,– |
| Cancelling 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.
PROFIT Account includes these products and services:
-
maintenance of a business current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
-
maintenance of a deposit product (term deposit or deposit bill of exchange)
-
maintenance of a payment card including Standard travel insurance (international debit business card VISA Classic or Master Card Standard)
-
maintenance of a direct banking service (Internet banking or Phone Banking)
-
current account monthly statement creation
-
lending a card enabling collection of statements via Infoterminal
1.1.4 EXPERT Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 269,– |
| Cancelling 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.
EXPERT Account includes these products and services:
-
maintenance of a business current account in CZK with advantageous balance interest
-
maintenance of a business current account denominated in foreign currency
-
maintenance of a overdraft loan to one current account (overdraft loan is provided based on a client’s financial standing evaluated by the Bank)
-
maintenance of a deposit product (term deposit or deposit bill of exchange)
-
/ maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Business or MasterCard Business)
-
maintenance of the second payment card for the 50 % of the yearly fee (international debit business card VISA Classic or MasterCard Standard)
-
maintenance of a direct banking service /internet banking or Homebanking – including installation or Phone banking)
-
current account monthly statement creation every current account
-
lending a card enabling collection of statements via Infoterminal
1.1.5 Volksbank PRESTIGE Account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 149,– |
| Cancelling 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.
Volksbank PRESTIGE account includes these products and services:
-
maintenance of a current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
-
maintenance of a payment card including Standard travel insurance (international debit business card VISA Classic or MasterCard Standard)
-
maintenance of the second payment card for the 50 % of the yearly fee (international debit business card VISA Electron or Maestro)
-
maintenance of direct banking service (Internet banking or Homebanking – including installation or Phone banking)
-
current account monthly statement creation
-
lending a card enabling collection of statements via Infoterminal
1.1.6 MEDI-account
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly)* | 199,– |
| Cancellation 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.
MEDI-account includes these products and services:
-
maintenance of a current account in CZK with advantageous balance interest including an overdraft loan (overdraft loan is provided based on financial standing of a Client evaluated by the Bank)
-
maintenance of a deposit product (term deposit or deposit bill of exchange)
-
maintenance of a payment card including Exclusive travel insurance and D.A.S. legal protection (international debit business card VISA Classic or VISA Business or MasterCard Business)
-
maintenance of the second business card for 50 % of the yearly fee (international business card VISA Classic or MasterCard Standard)
-
maintenance of direct banking service (Internet banking or Homebanking – including installation or Phone banking)
-
current account monthly statement creation
-
lending a card enabling collection of statements via Infoterminal
-
EXTRA tariff charge
1.1.7 Accounts for insurance consultants
| Transaction | in CZK or equivalent |
|---|---|
| Account maintenace for insurance consultants (monthly) | 45,– |
| Program for insurance consultants (monthly)* | 169,– |
| Change of the Program structure at the clienťs request | free of charge |
| Cancelling of an account/Program | free of charge |
* The fee replaces fees for maintenance of individual products which are included in an account.
Program for insurance consultants includes these products and services:
-
maintenance of a current account in CZK including an overdraft loan (overdraft loan is provided based on evaluation of client financial standing performed by the Bank)
-
maintenance of the current account in CZK for insurance consultants with advantageous interest rate (for insurance and idemnity transfers)
-
maintenance of a payment card (international debit business card VISA Electron or VISA Classic nebo Maestro or MasterCard Standard)
-
maintenance of a direct banking service (Internet banking or Phone Banking)
-
creating and sending the account statements from all current accounts by post (monthly)
-
lending a card enabling collection 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 Special accounts
1.3.1 Special current account for the purpose of paying up the company basic capital
| Transaction | in CZK or equivalent |
|---|---|
| Cash fee for opening an account | 500,– |
| Maintenance of an account (monthly) | see chapter 1.1.1 Current account |
| Issue of Confirmation of depositing funds into an account | free of charge |
1.3.2 Special account for EU / Grant schemas
| Transaction | in CZK or equivalent |
|---|---|
| Opening of an account | free of charge |
| Maintenance of an account (monthly) | |
| paying the interest from account credit balance - not arranged | free of charge |
| paying the interest from account credit balance - is arranged | 150,– |
1.4 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 |
1.5 Deposit bills
| Transaction | in CZK or equivalent |
|---|---|
| Drawing of a deposit bill of exchange | free of charge |
| Premature payment of a deposit bill of exchange | 1 % min. 1.000,– |
| Custody of deposit bill of exchange | free of charge |
1.6 Others
| Transaction | in CZK or equivalent |
|---|---|
| Blockage of payment of deposit products | 500,– |
| Interest rate for unauthorised overdrafts on current accounts | 25 % p.a. |