Interest Rate ListINDIVIDUALS ENTREPRENEURS AND LEGAL ENTITIES Valid from November 1st, 2018
| Current account | CZK | EUR | USD |
|---|---|---|---|
| Credit balance | 0.01 % | 0.01 % | 0.01 % |
| Unauthorized balance overdraft | 25.00 % | 25.00 % | 25.00 % |
| Minimum Balance | CZK 0 | EUR 0 | USD 0 |
| Escrow account for attorneys/notaries | CZK | EUR | USD |
|---|---|---|---|
| Credit balance | 0.20 % | 0.20 % | 0.20 % |
| Unauthorized balance overdraf | 25.00 % | 25.00 % | 25.00 % |
| Minimum Balance | CZK 0 | EUR 0 | USD 0 |
| Escrow account | CZK | EUR | USD |
|---|---|---|---|
| Credit balance | individually | individually | individually |
| Unauthorized balance overdraft | 25.00 % | 25.00 % | 25.00 % |
| Registered capital account | CZK | ||
|---|---|---|---|
| Credit balance | 0.01 % | ||
| Unauthorized balance overdraft | 25.00 % |
| Savings account with notice period – CZK | |||
|---|---|---|---|
| Interest rate is set for individual tiers of credit balance: | Legal entities | Individuals entrepreneurs | Financial customer* |
| Amount to CZK 25,000,000 | 0,30 % | 0,40 % | 0,10 % |
| Amount from CZK 25,000,000 | 0,01 % | 0,01 % | 0,01 % |
| Unauthorized balance overdraft | 25,00 % | 25,00 % | 25,00 % |
| Minimum balance | CZK 0 | CZK 0 | CZK 0 |
| Savings account – CZK | |||
|---|---|---|---|
| Interest rate is set for individual tiers of credit balance: | Legal entities | Individuals entrepreneurs | Financial customer* |
| Amount to CZK 25,000,000 | 0,20 % | 0,30 % | 0,05 % |
| Amount from CZK 25,000,000 | 0,01 % | 0,01 % | 0,01 % |
| Unauthorized balance overdraft | 25,00 % | 25,00 % | 25,00 % |
| Minimum balance | CZK 0 | CZK 0 | CZK 0 |
| Savings account – EUR | |||
|---|---|---|---|
| Interest rate is set for individual tiers of credit balance: | Legal entities | Individuals entrepreneurs | Financial customer* |
| Amount to EUR 1,000,000 | 0,20 % | 0,20 % | 0,05 % |
| Amount from EUR 1,000,000 | 0,01 % | 0,01 % | 0,01 % |
| Unauthorized balance overdraft | 25,00 % | 25,00 % | 25,00 % |
| Minimum balance | EUR 0 | EUR 0 | EUR 0 |
| Savings account – USD | |||
|---|---|---|---|
| Interest rate is set for individual tiers of credit balance: | Legal entities | Individuals entrepreneurs | Financial customer* |
| Amount to USD 1,000,000 | 0,20 % | 0,20 % | 0,05 % |
| Amount from USD 1,000,000 | 0,01 % | 0,01 % | 0,01 % |
| Unauthorized balance overdraft | 25,00 % | 25,00 % | 25,00 % |
| Minimum balance | USD 0 | USD 0 | USD 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 | ||||||
|---|---|---|---|---|---|---|
| CZK | EUR | USD | ||||
| Legal entities | Individuals entrepreneurs | Legal entities | Individuals entrepreneurs | Legal entities | Individuals entrepreneurs | |
| 1 month | 0.20% | 0.20% | 0.00% | 0.00% | 1.20% | 1.20% |
| 3 months | 0.20% | 0.20% | 0.10% | 0.10% | 1.40% | 1.40% |
| 6 months | 0.40% | 0.40% | 0.20% | 0.20% | 1.60% | 1.60% |
| 12 months | 1.00% | 1.00% | 0.25% | 0.25% | 1.80% | 1.80% |
| 24 months | 1.15% | 1.15% | 0.45% | 0.45% | 1.95% | 1.95% |
| 36 months | 1.25% | 1.25% | 0.65% | 0.65% | 2.00% | 2.00% |
| 48 months | 1.35% | 1.35% | 0.75% | 0.75% | 2.10% | 2.10% |
| 60 months | 1.55% | 1.55% | 0.85% | 0.85% | 2.20% | 2.20% |
| Minimum deposit | CZK 20 000 | EUR 1 000 | USD 1 000 | |||
| Loans | CZK | EUR |
|---|---|---|
| Investment and operating loans, overdrafts | individually | individually |
| Small business loan - overdraft unsecured by real estate | ||
| Selected commercial entities ** / Rodinná firma*** | 9.00 % | – |
| Approved upon submission of 2 tax returns | 10.00 % | – |
| Approved upon submission of 1 tax return | 16.00 % | – |
| Small business loan - overdraft secured by real estate | ||
| Selected commercial entities ** / Rodinná firma*** | 6.00 % | – |
| Approved upon submission of 2 tax returns | 7.00 % | – |
| Approved upon submission of 1 tax return | 10.00 % | – |
| Small business loan | ||
| Small business loan - instalment loan secured by real estate | from 3.20 % **** | – |
| Small business loan - instalment loan unsecured by real estate | from 6.20 % **** | – |
| Presto overdraft (sales ended on December 31, 2013) | ||
| Presto overdraft | 10.50 % | – |
| Presto overdraft Professional | 8.50 % | – |
| Presto instalment loan (sales ended on December 31, 2013) | ||
| Short-term, up to 1 year | 10.50 % | – |
| Medium-term, up to 3 years | 9.50 % | – |
| Presto instalment loan Professional (sales ended on December 31, 2013) | ||
| Short-term, up to 1 year | 8.50 % | – |
| Medium-term, up to 3 years | 8.00 % | – |
| Reference rate (RR) * | 7.00 % | – |
| Equa bank Basic rate | 3.00 % | – |
| 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.
