Interest rates for citizen - valid from August 22, 2019

Interest rates are on annual basis (p.a.)

Current accountCZKEURUSD
Credit balance0.01%0.01%0.01%
Unauthorized overdraft balance25.00% 25.00%  25.00% 
MAX Savings AccountCZKEUR USD 
First tier below CZK 500,0000.20%--
Second tier above CZK 500,0001.30%--
Unauthorized overdraft balance25.00%--
Example: If the account balance is CZK 1,500,000, the amount of CZK 500,000 is paid interest on at the rate of 0.2% p.a. and the amount of CZK 1,000,000 is paid interest on at the rate 1% p.a.
HIT Savings AccountBase rateBonus rate
First tier up to CZK 300,0000.20%1.10%
Second tier above CZK 300,0000.20%-

To obtain the bonus rate, all you need to do is to make 3 payments with your Equa bank contactless card in stores or online or at the last day of the month market value of your investments is at least  CZK 50,000.  

Example: If the account balance is CZK 350,000 and the client fulfils the conditions for obtaining a bonus rate, the amount of CZK 300,000 is paid interest on at the rate of 1.3% p.a. and the remaining CZK 50,000 is paid interest on at the rate of 0.2% p.a.

Savings Account EXTRACZKEURUSD
First tier interest thresholdbelow 3 mil. CZKbelow 200 000 EUR-
Credit Balance - First tier0.10%0.10%-
Credit Balance - First tier - EXTRA interest0.20%0.10%-
Second tier interest thresholdabove 3 mil. CZKabove 200 000 EUR-
Credit Balance0.01%0.01%-
Credit Balance - EXTRA interest0,00%0.00%-
Unauthorized Overdraft25.00% 25.00%

The client qualifies for an EXTRA interest rate when there is no outgoing payment from the account in a given month.

Example: If the account balance is CZK 3,500,000 and the client fulfils the conditions for obtaining the EXTRA interest rate, the amount of CZK 3,000,000 is paid interest on at the rate of 0.3% p.a. and the remaining CZK 500,000 is paid interest on at the rate 0.01% p.a.

Term depositCZKEURUSD
3 months0.40%0.10 %1.40 %
6 months2.00%0.20 %1.60 %
12 months2.00%0.25 %1.80 %
18 months2.00%0.35 %1.90 %
24 months2.00%0.45 %1.95 %
36 months2.00%0.65 %2.00 %
48 months2.00%--
60 months2.00 %--
Minimum depositCZK 20,000EUR 1,000USD 1,000

Bank reserves the right to determine an individual interest rate for clients with aggregate deposits of all products and currencies higher than CZK 20 millions or equivalent. 

MortgagesPurposeRefinancingNon-purpose / refinancingPRO / FIT
Fixation period 1 yearfrom 3,99%-3.99%from 5.29%
Fixation period 3 yearsfrom 2.69%from 2.69%3.79%from 3.89%
Fixation period 5 yearsfrom 2.69%from 2.69%3.79%from 3.89%

Interest rates for mortgages are stated with discount for CPI by MetLife pojišťovna a.s.

Download interest rates in PDF.