Interest rates for citizen - valid from October 1, 2019

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

Current accountCZKEURUSD
Credit balance0.01%0.01%0.01%
Savings Account MAX - Credit balanceCZKEURUSD
First tier: below CZK 500,0000,20%--
Second tier: above CZK 500,0001,50%--

Example: If the account balance is CZK 1,500,000, CZK 500,000 earns interest at the rate of 0.2% p.a. and CZK 1,000,000 earns interest at the rate 1.5% p.a.

HIT Savings Account - Credit balanceBase 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 in the given month or the current value of your investments must be at least CZK 50,000 as of the last day of the given month. 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 earns interest at the rate of 1.3% p.a. and the remaining CZK 50,000 earns interest at the rate of 0.2% p.a.

Savings Account EXTRACZKEURUSD
First tier interest thresholdBelow CZK 3 mil.Below EUR 200,000 EUR-
Credit Balance - First tier0.10%0.10%-
Credit Balance - First tier - EXTRA interest0.20%0.10%-
Second tier interest thresholdAbove CZK 3 mil.Above EUR 200,000-
Credit Balance0.01%0.01%-
Credit Balance - EXTRA interest0,00%0.00%-

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 earns interest at the rate of 0.3% p.a. and the remaining CZK 500,000 earns interest at the rate 0.01% p.a.

Term depositCZKEURUSD
3 months0.50%0.10%1.40%
6 months0.75%0.20%1.60%
12 months1.50%0.25%1.80%
18 months1.60%0.35%1.90%
24 months1.70%0.45%1.95%
36 months1.80%0.65%2.00%
48 months1.90%--
60 months2.00%--
Minimum depositCZK 20,000EUR 1,000USD 1,000

The Bank reserves the right to set individual interest rates for clients with aggregate deposits of all products and currencies exceeding CZK 20 million or the equivalent.

Unauthorized Overdraft
An interest rate 25% p. a. is charged for Unauthorized Overdraft on Current Accounts or Saving Accounts.
Mortgages - standard interest ratesPurposeRefinancingNon-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 2.49%from 2.49%3.79%from 3.89%

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

Download interest rates in PDF.