Interest rates - Equa bank

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Business

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Interest rates for citizen - valid from October 1, 2019

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

Current account	CZK	EUR	USD
Credit balance	0.01%	0.01%	0.01%

Savings Account MAX - Credit balance	CZK	EUR	USD
First tier: below CZK 500,000	0,20%	-	-
Second tier: above CZK 500,000	1,50%	-	-

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 balance	Base rate	Bonus rate
First tier: up to CZK 300,000	0.20%	1.10%
Second tier: above CZK 300,000	0.20%	-

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 EXTRA	CZK	EUR	USD
First tier interest threshold	Below CZK 3 mil.	Below EUR 200,000 EUR	-
Credit Balance - First tier	0.10%	0.10%	-
Credit Balance - First tier - EXTRA interest	0.20%	0.10%	-
Second tier interest threshold	Above CZK 3 mil.	Above EUR 200,000	-
Credit Balance	0.01%	0.01%	-
Credit Balance - EXTRA interest	0,00%	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 deposit	CZK	EUR	USD
3 months	0.50%	0.10%	1.40%
6 months	0.75%	0.20%	1.60%
12 months	1.50%	0.25%	1.80%
18 months	1.60%	0.35%	1.90%
24 months	1.70%	0.45%	1.95%
36 months	1.80%	0.65%	2.00%
48 months	1.90%	-	-
60 months	2.00%	-	-
Minimum deposit	CZK 20,000	EUR 1,000	USD 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 rates	Purpose	Refinancing	Non-purpose / refinancing	PRO / FIT
Fixation period 1 year	from 3,99%	-	3.99%	from 5.29%
Fixation period 3 years	from 2.69%	from 2.69%	3.79%	from 3.89%
Fixation period 5 years	from 2.49%	from 2.49%	3.79%	from 3.89%