Change of terms
Air Bank
Air Bank now has two different savings account terms to give you a better interest rate. The overwhelming majority of the bank’s clients will fulfill both.
We have therefore split the savings account into two products, although it is still one product.
Savings account (+ you pay by card): 3.75% p.a. up to CZK 500,000, then it’s not worth talking about. You have to pay by debit card 5 times in a given month.
Savings account (pay by card + receipt): 3.75% pa up to 1 million CZK, then 0% p.a. Every month you must pay 5x by debit card and have a monthly income on the account of min. 25,000 CZK.
If you do none of these, the interest rate is zero.
ČSOB
Savings account Savings with a bonus generally already requires active use of the bank’s services. So it is no longer divided whether you use mobile/internet banking and whether you pay by card, this is taken as the standard. Therefore, we deleted the other two clones of this account (created for comparison) from the comparator and left only one savings account.
Bonus interest rate terms:
- 5 payments by private debit or credit card in the previous calendar month at a merchant or online.
- Use the ČSOB Smart application.
Payment by card is not considered:
- topping up the credit of prepaid services,
- withdrawal and deposit via ATM,
- withdrawal of cash with the cashback service.
Fulfillment of the conditions is always evaluated on the 6th of the following month.
| Notice period | Deposit amount [Kč] | ||
|---|---|---|---|
| 0 – 250,000 | 250,001 – 1,000,000 | 1,000,001 – Unlimited | |
| Without limits | 5% | 3.30 → 1.45% p.a | 0.15% |
mBank
mBank did not change interest rates in May, but has already announced that it will divide savings into two parts from 1 July 2024. It will have a base and bonus interest rate.
We are increasing
Czech Savings Bank
The Savings Bank has a knack for complicating the conditions of financial products, and from 29 April 2024 your savings account with the Savings Bank can have 4 different interest rates, depending on which of the given conditions you meet. The good news is that if you do nothing at all, the interest rate has gone up slightly from 1.50 to 2.25% p.a (Conditions.)
In order to compare this 1 (!) savings account to meet different conditions and different segments, we divided it into 9 (!) products…
Savings account with Plus account: 1.50 → 2.25% p.a. up to 200,000 CZK (anyone), or CZK 400,000 (personal banking).
Savings account with Plus account and George: 3.50 → 4.25% p.a up to 200,000 CZK (anyone), or CZK 400,000 (personal banking).
It should be added that you can find your current interest rate on your savings account in your George. This means that Spořitelna’s interest rates are “up to”, or “max”, but the criteria for obtaining them are internal.
Raiffeisenbank
Term deposit
| Storage time | Deposit amount [Kč] | ||
|---|---|---|---|
| 0 – 10,000,000 | 10,000,001 – 30,000,000 | 30,000,001 – unlimited | |
| 2 years | 1.50 → 2% | 1.50 → 2% | 0.01% |
| 3 years | 1.50 → 2% | 1.50 → 2% | 0.01% |
| 4 years | 1.50 → 2% | 1.50 → 2% | 0.01% |
Volksbank Raiffeisenbank Nordoberpfalz
Term deposit
| Storage time | Deposit amount [Kč] |
|---|---|
| 5000 – unlimited | |
| 1 month | 4.30% |
| 3 months | 4.10% |
| 6 months | 3.90% |
| 1 year | 3.20 → 3.50% |
| 2 years | 2.70 → 3.20% |
We are reducing
Artesa, savings association
Term deposit Artesa Standard
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 1 month | 0.05% |
| 3 months | 0.25% |
| 6 months | 6.50 -> 5.50% |
| 1 year | 6.30 → 5.10% |
| 2 years | 4.60% |
| 3 years | 5.10 → 3% |
| 4 years | 3.30% |
| 5 years | 3.30% |
Term deposit Artesa Premium
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 1 year | 6.30 → 5.10% |
| 2 years | 5.10 → 4.60% |
| 4 years | 2.05% |
| 5 years | 2.05% |
Czech Savings Bank
Term deposit
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 1 month | 4.10 → 3.60% |
| 3 months | 4.50 → 4% |
| 6 months | 3.80 → 3.45% |
| 1 year | 3 → 2.50% |
Premier Term Deposit
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 1 month | 4.10 → 3.60% |
| 3 months | 4.50 → 4% |
| 6 months | 4 → 3.50% |
| 1 year | 3.05 → 2.55% |
| 2 years | 180 → 1.30% |
Fio Bank
- Fio account: 5.50 → 5% p.a up to 200,000 CZK
Max bank
Max savings account: 5.20 → 4.20% p.a
J&T BANK
Deposits with notice period
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 33 days | 4.75% |
| 3 months | 5.25 → 5 → 4.50 (from 3/6/2024) → 3.75% (from 30/07/2024) |
Term deposit
Interest rates will decrease from Tuesday 21/05/2024.
| Storage time | Deposit amount [Kč] |
|---|---|
| 100,000 – Unlimited | |
| 3 months | 4 → 3.75% |
| 6 months | 4 → 3.75% |
| 9 months | 4 → 3.75% |
| 1 year | 4 → 3.75% |
| 15 months | 3.80 → 3.55% |
| 18 months | 3.70 → 3.45% |
| 2 years | 3.65 → 3.40% |
| 3 years | 3.50 → 3.25% |
| 4 years | 3.50 → 3.25% |
| 5 years | 3.25 → 3% |
| 10 years | 3.25 → 3% |
J&T COMBI (30%)
Interest rates will decrease from Tuesday 21/05/2024. The condition is an investment in the ratio of 30:70 (30% deposit, 70% investment) in mutual funds:
- 1 year: J&T MONEY CZK: 4.60 → 4.40% p.a
- 3 years: J&T BOND CZK: 4.10 → 3.90% p.a
- 3 years: J&T RENTIER CZK: 4.30 → 4.20% p.a
J&T COMBI (50%)
Interest rates will be reduced from Tuesday 21 May 2024. The condition is to invest in a ratio of 50:50 (half deposit, half investment) in mutual funds:
- 1 year: J&T MONEY CZK: 4.40 → 4.20% p.a
- 3 years: J&T BOND CZK: 3.90 → 3.60% p.a
- 3 years: J&T RENTIER CZK: 4.10 → 3.80% p.a
Commercial Bank
Bonus Invest term account
The interest rate applies on the condition that you simultaneously invest the same or a higher amount in selected investment products.
| Storage time | Deposit amount [Kč] | |
|---|---|---|
| 0 – 3,000,000 | 3,000,001 – unlimited | |
| 6 months | 6.50 → 6% | 0.01% |
Max bank
Max savings account
The interest rate will change from Monday 13/05/2024.
| Notice period | Deposit amount [Kč] | |
|---|---|---|
| 0 – 500,000 | 500,001 – unlimited | |
| Without limits | 5.70 → 5.10% | 5.60 → 5% |
MONETA Money Bank
Term deposit
- 3 months: 5 → 4.70% p.a
Savings account Savings / Savings H
| Notice period | Deposit amount [Kč] | |
|---|---|---|
| 0 – 1,000,000 | 1,000,001 – Unlimited | |
| Without limits | 5.10 → 4.60% | 0.50% |
Savings account Savings DIP
| Notice period | Deposit amount [Kč] | |
|---|---|---|
| 0 – 1,000,000 | 1,000,001 – Unlimited | |
| Without limits | 4.50 → 4.20% | 0.50% |
NEY savings association
Term deposit (interest at the end of the deposit)
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 3 months | 5.50 → no longer offered |
| 6 months | 5.50 → 5% |
| 1 year | 5 → 4.50% |
| 2 years | 4.50 → 4% |
| 3 years | 3% |
| 4 years | 3% |
| 5 years | 3.10% |
| 7 years | 3.20% |
| 10 years | 3.20% |
Term deposit (monthly interest)
| Storage time | Deposit amount [Kč] |
|---|---|
| 0–unlimited | |
| 3 months | 5.30 → no longer offered |
| 6 months | 5.30 → 4.80% |
| 1 year | 4.80 → 4.30% |
| 2 years | 4.30 → 3.80% |
| 3 years | 2.8% |
| 4 years | 2.8% |
| 5 years | 2.9% |
| 7 years | 3% |
| 10 years | 3% |
Partners bank
Raiffeisenbank
Term deposit
| Storage time | Deposit amount [Kč] | ||
|---|---|---|---|
| 0 – 10,000,000 | 10,000,001 – 30,000,000 | 30,000,001 – unlimited | |
| 7 days | 0.01% | 0.01% | 0.01% |
| 14 days | 2% | 4.50 → 3.60% | 0.01% |
| 1 month | 2.1% | 4.50 → 3.60% | 0.01% |
| 2 months | 4.50 → 3.60% | 4.50 → 3.60% | 0.01% |
| 3 months | 2.30% | 4.50 → 3.50% | 0.01% |
| 6 months | 3.50 → 3.40% | 4 → 3.40% | 0.01% |
| 9 months | 3.20% | 3.40 → 3.20% | 0.01% |
| 1 year | 3% | 3% | 0.01% |
TRINITY BANK
UniCredit Bank
Term deposit
| Storage time | Deposit amount [Kč] |
|---|---|
| 0 – 5,000,000 | |
| 7 days | 0.01% |
| 14 days | 0.01% |
| 1 month | 5 → 4.75% |
| 2 months | 0.01% |
| 3 months | 4.75 → 4.40% |
| 6 months | 4.25 → 4% |
| 9 months | 0.01% |
| 1 year | 3.70 → 3.50% |
| 2 years | 0.01% |
| 3 years | 0.01% |
| 5 years | 0.01% |
General Credit Bank
Where to go with CZK 200,000 “bye”
Savings accounts of banks and pawnshops without a notice period – sorted by the highest deposit interest rate from 5% pa, without investment conditions.
| Bank/reserve | Product | Interest rate |
|---|---|---|
| TRINITY BANK | Spring great account N | 5.58% p.a |
| VUB | Savings without limits | 5.45% p.a |
| CREDITAS Bank | Savings Account+ | 5.20% p.a |
| CREDITAS Bank | Premium savings account | 5.20% p.a |
| TRINITY BANK | Spring great account S | 5.08% p.a |
| Partners Bank | Savings account | 5.06% p.a |
| Max bank | Max savings account | 5.10% p.a |
| ČSOB | Savings with a bonus | 5% p.a |
| Fio Bank | Fio account | 5% p.a |
| UniCredit Bank | Savings account to new account | 5% p.a |
| Raiffeisenbank | Bonus savings account Bonus Savings Account (ACTIVE) Bonus Savings Account (EXCLUSIVE, PREMIUM) | 5% p.a |
| ČSOB | Savings with the Smart + card bonus | 5% p.a |
| Artesa, savings association | Artesa Universal Savings Account | 4.75% p.a |
| MONETA Money Bank | Savings account Savings/ Savings H | 4.60% p.a |
| Commercial Bank | Savings account KB+ | 4.50% p.a |
| J&T Bank | J&T savings account (without additional deposits and investments) | 4.25% p.a |
| Max bank | Savings account | 4.20% p.a |
| Czech Savings Bank | Savings Account (Plus George) | 4.05% p.a |
| Oberbank | Savings account | 4% p.a |
| mBank | eMax Plus | 4% p.a |
| Czech Savings Bank | Savings Premier | 4% p.a |
| Fio Bank | Fio savings account | 4% p.a |
Where to go with CZK 500,000 “bye”
Bank savings accounts without a notice period – sorted by the highest deposit interest rate from 4% pa, without investment conditions.
| Bank/reserve | Product | Interest rate |
|---|---|---|
| VUB | Savings without limits | 5.45% p.a |
| TRINITY BANK | Spring great account N | 5.33% pa (5.58% pa up to CZK 250,000, 5.08% pa up to CZK 500,000) |
| CREDITAS Bank | Savings Account+ | 5.20% p.a |
| CREDITAS Bank | Premium savings account | 5.20% p.a |
| Max bank | Max savings account | 5.10% p.a |
| TRINITY BANK | Spring great account S | 5.08% p.a |
| Partners Bank | Savings account | 5.06% p.a |
| UniCredit Bank | Savings account to new account | 5% p.a |
| Raiffeisenbank | Bonus savings account Bonus Savings Account (ACTIVE) Bonus Savings Account (EXCLUSIVE, PREMIUM) | 5% p.a |
| Artesa, savings association | Artesa Universal Savings Account | 4.75% p.a |
| MONETA Money Bank | Savings account Savings/Savings H | 4.60% p.a |
| J&T Bank | J&T savings account (without additional deposits and investments) | 4.25% p.a |
| Max bank | Savings account | 4.20% p.a |
| Oberbank | Savings account | 4% p.a |
| mBank | eMax Plus | 4% p.a |
| Czech Savings Bank | Savings Premier | 4% p.a |
| Fio Bank | Fio savings account | 4% p.a |
Where to go with money over CZK 1,000,000 “see you”
Bank savings accounts without a notice period – sorted by the highest deposit interest rate from 4% pa, without investment conditions.
Current dates for May 2024
Savings account comparator
TOP offers without investment conditions from 4% pa
- 5.58% p.a. TRINITY BANK
- 5.50% p.a mBank
- 5.45% p.a General Credit Bank
- 5.20% p.a. CREDITAS Bank
- 5.10% p.a Max bank
- 5% p.a ČSOB, Fio banka, Raiffeisenbank, UniCredit Bank
- 4.75% p.a Artesa, savings association
- 4.60% p.a MONETA Money Bank
- 4.50% p.a Commercial Bank
- 4.25% p.a J&T Bank
- 4% p.a. Česká spořitelna, Fio banka, mBank, Oberbank
Time deposit comparator
TOP offers without investment conditions above 5% pa
- 5.50% p.a Artesa, savings association
- 5.30% p.a Bank CREDITAS, Max Bank
- 5.20% p.a Money house
- 5% Bye J&T Bank, MONETA Money Bank, UniCredit Bank
Passbook Comparator
Max. achievable rate are 0.50% p.a
