Interest rates for citizen - valid from December 1, 2021

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

Current accountCZKEURUSD
Credit balance0,01%0,01%0,01%
MAX Savings AccountCZKEURUSD
Credit balaces for up to CZK 500 0000.10%--
Credit balaces for above CZK 500 0001.00%--

Example: If the account balance is CZK 1,500,000, CZK 500,000 earns interest at the rate of 0.1% p.a. and CZK 1,000,000 earns interest at the rate 1% p.a.

HIT Savings AccountTotal rateBase rateBonus rate
Credit balance


First tier up to CZK 200,000 1.50%0.10%1.40%
Second tier above CZK 200,0000.10%0.10%-

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 250,000 and the client fulfils the conditions for obtaining a bonus rate, the amount of CZK 200,000 earns interest at the rate of 1.50% p.a. and the remaining CZK 50,000 earns interest at the rate of 0.10% p.a.


EXTRA Savings AccountCZKEUR
First tier interest thresholdbelow CZK 3 miobelow EUR 200.000
Credit Balance - First tier0,10 %0,01 %
Credit Balance - First tier - EXTRA interest0,10 %0,01 %
Second tier interest thresholdabove CZK 3 mioabove EUR 200.000
Credit Balance - Second tier0,01 %0,01 %
Credit Balance - Second tier - 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 0.10 % p.a. and the remaining CZK 500,000 earns interest at the rate 0.01% p.a.a.

Term depositCZKEURUSD
3 months0.20%0.01%0.01%
6 months2.50%0.01%0.05%
12 months0.01%0.01%0.01%
18 months0.01%0.01%0.01%
24 months0.01%0.01%0.01%
36 months0.01%0.01%0.01%
48 months0.01%--
60 months0.01%--
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.

​​​​​​​Download Interest rates valid from December 1, 2021