Interest rates for citizen - valid from January 30, 2019

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

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

First tier below 500 000 CZK0.20 %

Second tier from 500 000 CZK to CZK 10 mil. CZK1.00 %

Third tier above 10 mil. CZK0.01 %

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.
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.

Example: If the account balance is CZK 250,000,- and the client fulfils the conditions for obtaining a bonus rate, the amount of CZK 200,000,- is paid interest on at the rate of 1% 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 months0.25 %0.10 %1.40 %
6 months0.50 %0.20 %1.60 %
12 months1.00 %0.25 %1.80 %
18 months1.15 %0.35 %1.90 %
24 months1.25 %0.45 %1.95 %
36 months1.50 %0.65 %2.00 %
48 months1.75 %--
60 months2.00 %--
Minimum deposit20 000 CZK1 000 EUR1 000 USD

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 3,99 %
3.99 %5.29 %
Fixation period 3 yearsfrom 2.89 %from 2.89 %3.79 %3.89 %
Fixation period 5 yearsfrom 3.09 %from 3.09 %3.79 %3.89 %

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

Download interest rates in PDF.