Interest rates for citizen - valid from August 20, 2018

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

Current accountCZKEURUSD
Credit balance0.01 %0.01 %0.01 %
Unauthorized overdraft balance25.00 %   
Savings accountCZK

Credit Balance in the first tier below 10 mio. CZK0.20 %

Credit Balance in the second tier above 10 mio. CZK0.01 %

Unauthorized overdraft balance25.00 %

Savings Account HIT in CZKBase rateBonus rate
First tier up to 200 000 CZK0.20 %0.80 %
Second tier from 200 000 CZK to CZK 10 mio.0.20 %
Third tier above 10 mio. CZK0.01 %
Unauthorized overdraft balance25.00 %   

To obtain the bonus rate, all you need to do is to make 3 payments with your Equa bank contactless card.

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. 

Term depositCZKEURUSD
3 months0.20 %0.10 %1.25 %
6 months0.30 %0.20 %1.40 %
12 months0.40 %0.25 %1.60 %
18 months0.50 %0.35 %1.70 %
24 months0.60 %0.45 %1.80 %
36 months0.80 %0.65 %2.00 %
48 months1.00 %--
60 months1.20 %--
Minimum deposit20 000 CZK1 000 EUR1 000 USD
Cancellation before maturity - opened till 20.06.20142.00 % of principal2.00 % of principal2.00 % of principal
Cancellation before maturity - opened from 21.06.20144.00 % of principal4.00 % of principal4.00 % of principal

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

MortgagesPurposeRefinancingNon-purpose / refinancingPRO / FIT
Fixation period 1 yearfrom 3,79 %
3.79 %5.29 %
Fixation period 3 yearsfrom 2.49 %from 2.49 %3.79 %3.89 %
Fixation period 5 yearsfrom 2.59 %from 2.59 %3.79 %3.89 %

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

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