We contractually guarantee an advantageous interest rate through the whole term of the overdraft. This is quite uncommon – banks usually specify the interest rate in their interest rate lists, where they can change it at any time. We do not hide anything from you. And last but not least – no other bank makes setting-up an overdraft as simple and quick as we do.
No fees are charged for setting up an Overdraft and for its monthly management. The current account associated with the Overdraft is also free of charge. We only charge interest on the actually utilised funds.
You can set up an Overdraft in a matter of minutes either in any of our branches or comfortably from your own home via the Internet. If you wish for the contract to be delivered by a courier, the Overdraft will be set up within just a few days.
The standard letter with a card sent via Czech Post is standardly delivered within 7 business days to the client’s post box at the correspondence address (the term is counted since the day in which you received an SMS with information about issuing of the card).
Should the Czech Post not be able to deliver it, it will return the letter to us during another 7 business days. If you receive an SMS with information that the card was returned to the sender or you do not received neither the SMS, nor the card within 14 business days since the issuing day, please contact us on the customer service telephone line stated below.
First of all block your card (at least temporarily). If it possible, try to contact the merchant and ask them why they charged your card. In case there is no way to solve the issue directly with the merchant, submit the form Cardholder declaration of disputed transaction. You may also call us on customer service line +420 222 010 222 so we can advise the best possible solution.
You may easily apply for a new payment card in your internet banking. First check whether your correspondence address is still up to date. You can change it in your internet banking in the Settings – Change Settings section, if needed. This is the address to which we will send you your payment card.
After you have checked your address, apply for a new payment card in your internet banking in the Cards – Card Settings – Change Card section. As a Reason select Change Card Type. The change of payment card as well as its dispatch is free of charge.
The PIN code may be changed anytime in your Internet banking or in mobile application in your card’s detail. When changing the PIN, it is necessary to confirm it with an authorisation SMS code. The change via mobile app needs to be confirmed by the app’s passcode. After the PIN change, it is necessary to make a contact transaction (via the card’s chip, not contactless).
You may change the PIN code to any PIN code you want, even one you had set in the past or one which is set in the system currently.
Send the completed claim form Cardholder declaration of disputed transaction, which you will find at the website, to the e-mail email@example.com or submit it at one of our branches. The claim will be processed within 35 days and you will be informed within 15 days about progress of the solution.
You can use your card abroad just like you do within Czech Republic. Only make sure the disposal balance at current account and card limit are sufficient for the transaction. If you plan a travel abroad, let us know you are leaving (especially to where and for how long) on e-mail: firstname.lastname@example.org.
By activating your new card the original payment card will be permanently blocked. Therefore, activate your new payment card in your internet banking first – according to instructions you will receive together with the card. Please dispose of the original payment card by cutting it across the chip and magnetic stripe.
This payment card enables you to make both standard payments (by inserting the card in a terminal) and contactless payments (by holding the card over a terminal). The card also enables standard cash ATM withdrawals. You may also pay on the internet or add the card to device with NFC.
You can make contactless payments in shops which are equipped with a terminal for contactless payments. You will recognize such shops by means of the PayPass symbol or the “Contactless Payments Zone” symbol.
Yes, if the given Internet shop takes Apple Pay. In payment selection, tap Buy with Apple Pay and confirm the payment on your mobile phone with a fingerprint or Face ID. Your phone has to be connected to the Internet.
To use Apple Pay, you need to authorize each card with Touch ID, Face ID or your passcode. To remove the card from the lost/stolen device contact our customer service line +420 222 010 222 or visit your Apple ID account page. For more information click here. If the card is lost or stolen, block it immediately in your internet banking, mobile application or call our customer service on +420 222 010 222. Once the card is blocked, it is not possible to use it for payment with mobile phone.
In Wallet, choose the card and tap the button (three dots) in the upper right corner. This takes you to Card details, go to the Transactions tab, and turn off Notifications there. Or in Settings on your phone, go to the Wallet app and Apple Pay and select your card. This takes you to Card details, go to the Transactions tab, and turn off Notifications there.
You don’t need the Internet for contactless payments or to withdraw cash. As soon as you add your card to Apple Pay, you can use it for payments without a connection. Of course you will need an Internet connection to make online payments.
Apple Pay works on these phones: iPhone Xs, iPhone Xs Max, iPhone Xr, iPhone X, iPhone 8/8 Plus, iPhone 7/7 Plus, iPhone 6/6 Plus, iPhone 6S/6S Plus, iPhone SE; tablets: iPad (6th and 5th generation), iPad Pro, iPad Air 2, iPad mini 4 and iPad mini 3; Apple Watch and also Mac models 2012 and later that are connected to an iPhone or Apple Watch.
A mobile phone with the Android operation system version 5.0 or higher and with the NFC (Near Field Communication) technology. Also your Equa bank payment card needs to be registered in the Google Pay mobile app, which you can download from Google Play into your mobile phone. In order to make safe payments, it is necessary to set the screen lock on your phone.
For payments up to CZK 500 it is needed to turn on the screen of your mobile device and then tap the payment terminal with it. For payments exceeding CZK500 it is needed to unlock the screen of the mobile device, tap the payment terminal with the device and wait until the payment has been processed. Subsequently the confirmation of your transaction will be displayed on the screen of your device. In some cases you might be prompted repeatedly to unlock your phone for enhanced security reasons.
Yes, you can, provided the ATM has a contactless NFC reader. Turn on the screen of your mobile phone (no need to unlock it) and just tap it on the reader. The screen of the ATM will always prompt you to enter your card PIN (no matter whether the phone is unlocked or not). Then follow the instructions on the ATM screen.
Yes, the payments are completely safe. Upon adding in the Google Pay app, the payment card number is saved neither in the device, nor in the app. During the payment, card details are not shared either with Google, or merchants.
Make sure that a) the card you are adding is a payment card issued by Equa bank, b) you are connected to the internet, c) your mobile device supports the NFC technology and has the Android operation system version 5.0 or higher installed.
We guarantee you a low interest rate of the loan over its entire duration. By far, this is not a rule; banks tend to include many “ifs” and “whens”, so you may eventually find out that the loan is more expensive than expected. We do not conceal anything from you. In addition, your loan and current account will be maintained free of charge and you may make extraordinary repayments for free at any time. And last but not least – nowhere is obtaining a loan as simple and fast as at Equa bank.
A current account will be opened to you together with the Loan, because you will use it for repayment. We guarantee a free maintenance and standard bank services over the duration of Loan. In addition, your account has many benefits including the contactless payment card enabling free withdrawals from all ATMs in the CR.
No tricks, no hitches, no asterisks below the line. We are a new bank which does things differently. We are smaller and more efficient. Compared to large banks, our operating costs are much lower. We offer services at prices which pay off to us and keep our clients happy.
Transferring your current loan, we refinance it at more convenient terms. And we really mean it – while the number of remaining instalments of your current loan stays the same, you will repay a lower amount with us. In addition, we will offer you a current account with a free maintenance and regular bank services, which will further increase the amount saved.
A reduction of the current interest rate and no fees for the maintenance of a current and loan accounts for the entire period of repaying a ReLoan are guaranteed with us. This is a real guarantee of money saved. Most loan providers will usually promise you to cut your instalments by means of refinancing or consolidation, which will increase the number of instalments and result in you paying more in total.
Certainly, transferring your loan is an especially suitable tool for consolidating it. Consolidation will usually make your repayment easier by cutting your instalments. But the number of instalments increases and you end up paying much more for interests and fees. We guarantee you a lower interest rate and free bank services. You will make real savings with us
It is simple. We guarantee a reduced interest rate. This alone makes every client feel assured that their monthly instalment will be cut. In addition, Equa bank charges no fees which are often concealed in loans provided by other institutions. For instance CZK 50 for loan administration. And CZK 99 for maintenance of a current account which you often must open for a loan. This amounts to CZK 149 a month. Considering the fact that you will be repaying your loan for the remaining 4 years, this adds up to 48 instalments. By transferring your loan, you will save 48*149 = CZK 7,152 on monthly fees alone. Throwing good money after bad may not be worth here.
The on-line approval takes 1 minute. The transfer of your loan will be arranged on your behalf by the bank. All we need is a copy of the agreement about your existing loan. You may bring it in person to our branch, upload it on-line or send by mail. Then you only need to sign an agreement at a branch or have it delivered to you for free by a courier. Everything else will be arranged for you.
Yes, ReLoan may be used to repay any current consumer loan or lending you may have. You may use it to repay a consolidated loan, any cash loan, purpose-bound or non-purpose-bound loan with a bank or any other non-bank institution.
It is not difficult. You may arrange everything on-line or by telephone without having to go to a branch. You may also visit our branch. This is not time-consuming. If you have the necessary documents (a copy of agreement about the existing loan), we can arrange everything at a branch in one visit.
A current account will be opened to you together with your ReLoan, because you will use it for repayment. We guarantee a free maintenance and standard bank services over the entire duration of ReLoan. In addition, your account has many benefits including a contactless payment card enabling free withdrawals from all ATMs in the CR.
Yes, we are ready to grant a ReLoan also to you. Just drop by in any of our branches where we will arrange everything we need with you. However, be aware of the fact that ReLoan can be used to refinance loans provided and maintained by financial institutions in the Czech Republic. We cannot refinance a loan maintained anywhere abroad.
Yes, it is possible. In order to clearly meet our commitment to guarantee that every loan of yours will be cheaper, we refinance every loan separately. Consequently, we guarantee that every loan has a rate discount and that all the fees have been cancelled. You will thus clearly see your specific savings for every loan transferred.
Choose a suitable instalment date. The best date is four days after your paycheck is deposited to your account. You’ll have money available for the instalment even if your paydate falls on a weekend or a holiday. You can make the change free of charge in your Internet banking or by calling our Client hotline at 222 010 222.
Keep an eye on transfers. If your paycheck or other source of income is not deposited to an Equa bank account, i.e. you transfer the money for the instalment from another bank, set up a standing order – you won’t have to worry about it and you’ll minimize the risk of forgetting a transfer.
Allow for extra time. If you use the postal service to send money for instalments, put in the order several days before the instalment date because this service often takes much longer than a bank transfer.
Consider the instalment amount. When you take out a loan, set the instalment amount so that at least 20% of your monthly income is left on your account after subtracting your reoccurring and regular expenses, including the instalment.
Nejrychlejším způsobem, jak snížit pravidelné zatížení rodinného rozpočtu, je prodloužení doby splatnosti půjčky, čím se sníží výše měsíční splátky. Stačí zavolat na linku našeho Klientského centra 222 010 222. Prodloužení doby splatnosti je bezplatné. Pro úplnost ale doplňujeme, že při delší době splatnosti bude vyšší celková částka ke splacení.
Pokud je situace vážnější, je možné zažádat o dočasný odklad splácení. Žádosti jsou posuzovány individuálně a jejich zpracování je opět bezplatné. Tato operace je však reportována do BRKI a do budoucna může snížit bonitu klienta.
Obtížnou situaci chápeme a víme, že se do ní může dostat každý z nás. Pokud vůči nám dluh máte, je vždy dobré začít situaci aktivně řešit s operátory našeho oddělení správy pohledávek, kteří jsou dostupní v pracovní dny 8:00 – 19:00 na lince 222 010 010 nebo na e-mailu email@example.com. Vzájemnou dohodou se snažíme najít uspokojivé řešení pro obě strany.
V případě, že se s platbou splátky opozdíte, zašleme vám nejprve bezplatné upozornění (SMS, e-mailem i telefonicky). V této chvíli ještě stále budete mít možnost dluh uhradit bez sankce.
Klientům, kteří dlouhodobě a opakovaně nekomunikují, nebo situaci aktivně neřeší, hrozí následující sankce: úhrada účelně vynaložených nákladů á 499 Kč, úrok z prodlení z dlužné částky, záznam do úvěrových registrů, který výrazně snižuje bonitu klienta pro jiné banky v případě žádosti o další úvěry. Banka je oprávněná i k předání vymáhání pohledávky externí inkasní agenturou, která klienty v zastoupení banky kontaktuje i osobně.
Modelový příklad navýšení, které může nastat při neřešení dlužné situace, a které lze předejít včasnou komunikací a snahou ze strany klienta situaci řešit:
Výše dluhu 100 000 Kč trvající 3 měsíce, při úroku z prodlení 10 % (Repo sazba stanovená ČNB platná pro období, v němž došlo k prodlení, aktuálně 2 %, dle nařízení vlády navýšená o 8 procentních bodů, celkem tedy 10 %), smluvním úroku 5,9 % a nákladů na zaslání 2 výzev k úhradě dluhu:
dlužná částka +smluvní úrok +upomínky +úrok z prodlení = výše dluhu v důsledku nesplácení
100 000 Kč + 1 475 + (2 x 499 Kč) + 2 500 Kč = Celkem 104 973 Kč
Pokud situace není řešena dlouhodobě, může banka přistoupit i k zesplatnění půjčky s požadavkem okamžité úhrady celé nesplacené jistiny. V nejkrajnějším případě hrozí i soudní vymáhání a riziko exekuce.
Cílem banky je však pomoci nepříznivou situaci klienta překonat a za jeho aktivní účasti vyřešit ke spokojenosti obou stran.
Yes it is possible for unexpected situations and one-time transactions only. The mandatory requirements are: official verification, identification of both parties, account identification and what acts can power of attorney holder perform with the account. Power of attorney can be used for example for one-time money transfer or for account cancellation.
We do not accept a general power of attorney and determination of a permanent authorized person. We neither allow authorization to other person to the Internet banking service or empowerment to exchange the account holder and to similar purposes.
The available balance is the balance of funds in your account, which are freely available to you - it reflects card or other blockages. Accounting balance is the balance of funds in your account, which does not reflect the card blockages or the amount of overdraft.
You can deposit CZK, EUR or USD currencies through Equa bank deposit ATMs. You just need to have an open current account in a certain currency and connected it to your card.
You can also deposit CZK at all Czech Post branches, but you can have it credited to any of your Equa bank account. In the case of conversion, the amount will be converted at the foreign exchange rate.
You can apply for the balance of the cancelled account in person at a branch within three years after the account had been closed. You can do so via phone at Customer Service line +420 222 010 222 or e-mail firstname.lastname@example.org. The application for the balance transfer is available in the section Documents centre
The bank reimburses one conducted cash deposit to the client with CZK 47 monthly. The sum will be retroactively credited to the client´s account. To this end, the client fills in the postal order with variable symbol 111.
You can apply for the account on our websites (Current account tab), at any of our branches or on Customer service phone line +420 222 010 222. At the end of the application you may choose to sign the contract at any branch of ours, with the courier or online. For online signature you need to have an account in Czech bank and two identification documents. We can’t open account on behalf on power of attorney.
Unfortunately not - while opening an account with a current account, but in which the payments, account management, withdrawals from all ATMs, and internet and mobile banking is always free of charge and without conditions.
All you need to do is to make monthly 3 payments with our card or in the end of month have a current investment value of at least 50,000 CZK. If you meet either of the conditions, you will be credited a bonus interest payment in the next month.
At Česká pošta you may deposit cash only in CZK, and you may have it credited to any of your accounts at Equa bank. In case of conversion, the sum will be converted by the foreign exchange rate for sale.
The bank reimburses one conducted cash deposit to the client with CZK 47 monthly. The sum will be retroactively credited to the client´s account. To this end, the client fills in the postal order with variable symbol 111. You can find full conditions in our Document centre.
For the first login, use the Login number and Password from the e-mail titled "Credentials for access for internet banking".
Login number is permanent and is valid for logging into the internet, mobile and telephone banking. The password is one-time and is valid for 30 days; after the first login you will be asked to change it and onward you will use it to log into the internet and mobile application.
Mortgage Refinancing should be planned well before the end of the fixation of your interest rate, so you have time to choose the most advantageous offer on the market. If you apply for mortgage refinancing in Equa bank, you can sign an agreement up to 12 months in advance and get a low interest rate ahead of time.
In case of experiencing an issue with authorisation SMS codes, we advise to turn off and on your mobile device, and then generate a new authorisation SMS code. We also recommend checking the Received messages folder and its fullness, and available memory of the device.
If the issue lasts, please contact us on the customer service telephone +420 222 010 222.
If you enter a wrong Password or SMS code five times in a row, your access will be blocked until the end of the day. To unblock the internet banking the same day please contact our Customer Service on +420 222 010 222 or visit any of our branches.
After you sign in, click on user tab on the bottom right bar, go to Settings in the upper left corner and in the Services section allow notifications, so that we can send you notifications through the mobile app.
Your mobile application gives you a complete overview of your finances and the ability to manage them. You can make domestic payments and maintain recurrent payments. You can also manage your payment card and change your PIN and limits for card payments. If necessary, you can also block your card in the app.
It is possible to call our Customer service via the app as verified customer. Log in to your Equa bank mobile app, choose the user button (right bottom corner), click on the blue button Contact, and then choose Call. Verification is successful only if you call from the telephone number.
You can change the passcode in the “Settings” section in the user tab. You need to know the original passcode to change it. In case you don’t remember the passcode simply unpair or uninstall the app. Then you chose new passcode during new pairing process.
If you insert a wrong code five times in a row, your device will be “un-paired”, and you will not be allowed to access the mobile app. The app will then ask you to perform the “pairing” again, using the internet banking log-in number and password and an authorisation SMS code.
You may allow biometric login during pairing process. Also it is possible to allow biometric authentication for payments, card management and login in the user tab with your name – the “Settings” section.
A profile picture can be set up easily in the third tab in the menu – in the “Profile” section. The picture will be shown to Equa bank clients in their mobile banking when they make a payment and display the counterparty of the transaction.
For security reasons, the mobile application must be “paired” with your internet banking. The activation is simple – you just need to insert your internet banking log-in number and password and the authorisation SMS code. During the “pairing” process, you will be asked to select a unique code. You will use this code to access the app and authorise all active operations and payments.
The Login number is a numerical code consisting of 8-16 characters which may not be sequential. The Login Name serves for the login in the Internet Banking and Telephone Banking and pairing your mobile app. The Password for login in the Telephone Banking is a combination of 6 numbers which are not sequential.
There are no limits for one-time payments. A one-time order can be placed up to the amount of available account balance. If there is a fee associated with the transaction, you must retain sufficient funds in your account.
To submit a europayment/SEPA payment, fill in the form Europayment in internet banking. Europayments/SEPA payment are transfers to/from EU/EEA countries in currency EUR with SHA fee type and executed with standard priority. It is required to enter the payee's account number in international IBAN format.
It depends on your preference – both options are possible. The new number is functional within several days from the delivery of the necessary documents to the provider. You will be able to fully use your original number until the moment the new number is activated.
The transfer of a number takes 4 working days from the date of delivery of the request to transfer the number or from reporting the valid Cancellation Number of the Original Provider. On the day of transfer, there may be a short interruption of service as a result of a disconnection from the existing provider and a connection of the number to the Nordic Telecom network. This interruption should not last longer than 3 hours.
In simple terms, it is making selected customer data available to various entities. To whom and what can be made available is described in the following questions. In this terminology, the terms API and webAPI are often used, representing a uniform communication method between two parties. An equally known term is the abbreviation PSD 2, which is an abbreviation for the second version of the Payment Services Directive covering the internal market, drafted by the European Parliament. This Directive has served as a basis for the new Czech Payment Services Act, which is valid from 13 January 2018.
Open Banking enables you to obtain information about all your accounts as well as to perform payments through other service providers. In this menu, you will find a list of authorisations granted to individual entities, the length of their validity, including the option to withdraw the authorisation. You will also find their individual access history here.
You can use the information on your accounts in connection with other services. Typically, this may concern an overview of all your transactions from the accounts with various banks. You can also follow your regular expenses. In the case of a loan application, you may grant consent to a loan provider to download an account statement from your account, so that you do not have to document your income.
You may grant an authorisation directly in the internet browser on the website of the service provider or using a specific application. With the increasing number of providers, you will be able to grant an authorisation in the internet banking as well. From the website of the service provider or the application, you will always be redirected to our website to enter your login data you use to enter your internet banking.
If you allow the service entitled “Account Information Service” in the application, the provider will have information about all your accounts, their balances, and transactions. The validity of the authorisation is set to 90 days; after the validity expires, the authorisation needs to be assigned again. The authorisation may also be cancelled at any time. Some applications enable setting up a payment transaction from your account only with your consent and according to our authorisation rules. It is a single authorisation and you must assign it to every payment.
The list of providers of these services is regulated by the Czech National Bank. Adding an authorisation goes hand in hand with our security principles and rules. However, be careful when it comes to applications from unknown sources and unsecured websites. You can read more on security online in the Security guidelines section on our website.
Yes, you can. You can deposit all three currencies at our deposit-enabled ATMs at once in any order. Our machine sorts the banknotes and posts the money to your accounts. ATM does not accept $1 and $2 banknotes. Please note that your card needs to be linked to the foreign currency account in order to deposit foreign exchange banknotes.
It’s easy to open a foreign currency account (EUR or USD) when you open a current account in CZK. You can open the foreign currency account in your internet banking. Opening and maintenance of a foreign currency account are free.
You don't have to do anything. Your entire deposit amount has been credited to your account, only the amount of suspicious banknotes has been temporarily blocked. The suspicious banknotes will be manually scanned no later than 30 days (but most likely sooner). If the banknotes are evaluated as genuine, the blocking will be canceled. In the event that even a subsequent check evaluates the banknotes as suspicious, they are forwarded to the CNB. The deadline for assessing banknotes at the CNB is 60 days. In total it may take up to 90 days to assess the banknotes.
It’s easy to connect a foreign currency account to your payment card in your Internet banking in the Cards – Card settings section, where there is an Added foreign currency accounts tab. Your foreign currency current account can be easily linked to the payment card either in your mobile application in your Profile > Cards > Accounts linked to card or in your internet banking Cards > Card settings > Added foreign currency accounts.