Interest Rate List
INDIVIDUALS ENTREPRENEURS AND LEGAL ENTITIES 
Valid from September 3rd, 2018

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Current accountCZKEURUSD
Credit balance0.01 %0.01 %0.01 %
Unauthorized balance overdraft25.00 %25.00 %25.00 %
Minimum BalanceCZK 0EUR 0 USD 0
Escrow account for attorneys/notariesCZKEURUSD
Credit balance0.20 %0.20 %0.20 %
Unauthorized balance overdraf25.00 %25.00 %25.00 %
Minimum BalanceCZK 0EUR 0USD 0
Escrow accountCZKEURUSD
Credit balanceindividuallyindividuallyindividually
Unauthorized balance overdraft25.00 %25.00 %25.00 %
Registered capital accountCZK

Credit balance0.01 %

Unauthorized balance overdraft25.00 %

Savings account with notice period – CZK 
Interest rate is set for individual tiers of credit balance:Legal entitiesIndividuals entrepreneursFinancial customer*
Amount to CZK 25,000,0000,30 %0,40 %0,10 %
Amount from CZK 25,000,0000,01 %0,01 %0,01 %
Unauthorized balance overdraft25,00 %25,00 %25,00 %
Minimum balanceCZK 0CZK 0CZK 0
Savings account – CZK 
Interest rate is set for individual tiers of credit balance:Legal entitiesIndividuals entrepreneursFinancial customer*
Amount to CZK 25,000,0000,20 %0,30 %0,05 %
Amount from CZK 25,000,0000,01 %0,01 %0,01 %
Unauthorized balance overdraft25,00 %25,00 %25,00 %
Minimum balanceCZK 0CZK 0CZK 0
Savings account – EUR 
Interest rate is set for individual tiers of credit balance:Legal entitiesIndividuals entrepreneursFinancial customer*
Amount to EUR 1,000,0000,20 %0,20 %0,05 %
Amount from EUR 1,000,0000,01 %0,01 %0,01 %
Unauthorized balance overdraft25,00 %25,00 %25,00 %
Minimum balanceEUR 0 EUR 0EUR 0
Savings account – USD 
Interest rate is set for individual tiers of credit balance:Legal entitiesIndividuals entrepreneursFinancial customer*
Amount to USD 1,000,0000,20 %0,20 %0,05 %
Amount from USD 1,000,0000,01 %0,01 %0,01 %
Unauthorized balance overdraft25,00 %25,00 %25,00 %
Minimum balanceUSD 0USD 0USD 0

*Financial customer within the meaning of Article 411 of Regulation (EU) No 575/2013 on prudential requirements for credit institutions, i.e. a credit institution, investment firm, securitisation special purpose entity, collective investment undertaking, non-open ended investment scheme, insurance undertaking, reinsurance undertaking financial holding company or mixed-financial holding company.

Term deposit

CZKEURUSD

Legal
entities
Individuals
entrepreneurs
Legal
entities
Individuals
entrepreneurs
Legal
entities
Individuals
entrepreneurs
1 month0.20%0.20%0.00%0.00%1.20%1.20%
3 months0.20%0.20%0.10%0.10%1.40%1.40%
6 months0.40%0.40%0.20%0.20%1.60%1.60%
12 months0.70%0.70%0.25%0.25%1.80%1.80%
24 months1.00%1.00%0.45%0.45%1.95%1.95%
36 months1.20%1.20%0.65%0.65%2.00%2.00%
48 months1.35%1.35%0.75%0.75%2.10%2.10%
60 months1.55%1.55%0.85%0.85%2.20%2.20%
Minimum deposit  CZK 20 000EUR 1 000USD 1 000
LoansCZKEUR
Investment and operating loans, overdraftsindividuallyindividually
Small business loan - overdraft unsecured by real estate
Selected commercial entities ** / Rodinná firma***9.00 %
Approved upon submission of 2 tax returns10.00 %
Approved upon submission of 1 tax return16.00 %
Small business loan - overdraft secured by real estate
Selected commercial entities ** / Rodinná firma***6.00 %
Approved upon submission of 2 tax returns7.00 %
Approved upon submission of 1 tax return10.00 %
Small business loan
Small business loan - instalment loan secured by real estatefrom 3.20 % ****
Small business loan - instalment loan unsecured by real estatefrom 6.20 % ****
Presto overdraft
Presto overdraft10.50 %
Presto overdraft Professional8.50 %
Presto instalment loan
Short-term, up to 1 year10.50 %
Medium-term, up to 3 years9.50 %
Presto instalment loan Professional
Short-term, up to 1 year8.50 %
Medium-term, up to 3 years8.00 %

Reference rate (RR) *7.00 %
Equa bank Basic rate3.00 %
Default interest *****20.00 %20.00 %


* Applies to loans concluded until December 31, 2008.
** Selected commercial entities = individual entrepreneurs and legal entities from the ranks of physicians, dentists, pharmacists, veterinarians, notaries, attorneys, tax advisors, distrainers, auditors, architects, legal experts and interpreters.
***Rodinná firma = Individual Entrepreneur (over the age of 18), sharing his/her work and/or assets with at least one relative over the age of 15 in the ascending line, a sibling and/or a spouse (hereinafter “Family Member“) or
Legal entity with the legal form of General Partnership, Limited Partnership, Limited Liability Company, Joint Stock Company, European Company, European Economic Interest Grouping, Cooperative or European Cooperative Society under the following conditions which must be fulfilled in parallel:
- The absolute majority of partners with an unlimited liability consists of the Family Members or the absolute share of the registered capital is held by the Family Members;
- At least one Family Member is member of its statutory body;
- The address of the seat is in the Czech Republic.
**** The interest rate is set in particular according to the repayment period, loan amount, collateral value and client´s creditworthiness.
***** The commercial rate of unpaid receivables is increased by default interest.

General terms and conditions

The interest rates listed are annual interest rates (p. a.).
The deposits are insured pursuant to Act No. 21/1992 Coll., on Banks, as amended. The interest revenue is subject to the income tax pursuant to Act No. 586/1992 Coll., as amended.
The Bank reserves the right to set an individual interest rate for clients whose deposits for all products and currencies amount to or exceed CZK 25 m.