Price List

Download full price list in PDF - valid from 22. 10. 2020

Current account

Current account - CZK/EUR/USD

Monthly account maintenance in CZK/EUR/USD	FREE OF CHARGE
Credit transfer - outgoing domestic payment	FREE OF CHARGE
Credit transfer - incoming domestic payment	FREE OF CHARGE
Credit transfer - incoming domestic instant payment	FREE OF CHARGE
Credit transfer - outgoing Equa payment (including a payment with currency conversion)	FREE OF CHARGE
Credit transfer - incoming Equa payment (including a payment with currency conversion)	FREE OF CHARGE
Monthly bank account statement
– Electronic delivery	FREE OF CHARGE
– Postal delivery	CZK 29
Standing order (set-up, change, cancellation, payment)	FREE OF CHARGE
Direct debit (authorization, change, cancellation, payment)	FREE OF CHARGE
SIPO direct debit (authorization, change, cancellation, payment)	FREE OF CHARGE
Cancellation of a pending payment	FREE OF CHARGE
Credit transfer - instant outgoing domestic payment	FREE OF CHARGE
Credit transfer - outgoing domestic priority payment	CZK 29
Credit transfer - outgoing Europayment/SEPA	FREE OF CHARGE
Credit transfer - outgoing priority Europayment/SEPA	CZK 29
Credit transfer - incoming Europayment/SEPA	FREE OF CHARGE
Credit transfer - incoming foreign payment	CZK 29
Credit transfer - outgoing foreign payment (additional fees of third parties may be charged with OUR fee)	CZK 299
Credit transfer - outgoing foreign priority payment (additional fees of third parties may be charged with OUR fee)	CZK 499

MasterCard Debit Card

Providing a debit card/renewal upon expiration	FREE OF CHARGE
Standard card maintenance	FREE OF CHARGE
Maintenance of Gold Premium Card (monthly) - valid until 21. 10. 2020	CZK 89
Maintenance of Gold Premium Plus Card (monthly) - valid until 21. 10. 2020	CZK 129
Maintenance of Gold Premium Card (monthly) - valid from 22. 10. 2020	CZK 99
Maintenance of Gold Premium Plus Card (monthly) - valid from 22. 10. 2020	CZK 149
Cash withdrawal
– from an ATM of any bank in the CR	FREE OF CHARGE
– from an ATM of any bank abroad	FREE OF CHARGE
– for a payment in a shop in the CR/abroad (cash-back)	FREE OF CHARGE
– in a bank branch in the CR/abroad (cash-advance)	CZK 99
Cash deposit through Equa bank ATM
– cash deposit CZK	FREE OF CHARGE
– cash deposit EUR or USD	0,5 % of the deposit amount
Balance inquiry through Equa bank ATM	FREE OF CHARGE
Balance inquiry through others ATM	CZK 9
Set-up of an own PIN code for a new card	FREE OF CHARGE
Change of PIN code (using the internet banking)	FREE OF CHARGE
Change of limits for card payments	FREE OF CHARGE
Connection of a card to a current account in a foreign currency (activation/deactivation)	FREE OF CHARGE
Card reissuance (loss or theft)	CZK 99
Card blocking (both temporary and permanent, e.g. in case of theft, loss)	FREE OF CHARGE
Express delivery of a new card	CZK 299

Notification services

Authorization SMS to confirm an active transaction	FREE OF CHARGE
Informative SMS
- about payments, transactions and balances (sent to a domestic telephone number)	CZK 1.50
- about a payment made (sent to a foreign telephone number)	CZK 3.50
Informative e-mail about payments, transactions and balances	FREE OF CHARGE

Other services provided

Provision of banking information to third parties, as specified by the customer	CZK 499
Issuance of confirmation as specified by client	FREE OF CHARGE
Sent reminder to pay due amount	CZK 499

Loans refinancing

Refinancing a loan is completely free of charge

Loan provision and maintenance	FREE OF CHARGE
Early repayment and extraordinary instalments	FREE OF CHARGE
Contractual fine for failure to settle refinanced or consolidated obligations (monthly)	CZK 299

Payment protection insurance for consumer loans approved until 23 June 2017 (monthly)

Package A	0.13 % from the provided loan amount
Package B	0.19 % from the provided loan amount

Loan

The loan is free of charge - free from beginning to end

Loan provision and maintenance		FREE OF CHARGE
Early repayment and extraordinary instalments		FREE OF CHARGE
Contractual fine for failure to settle refinanced or consolidated obligations (monthly)		CZK 299

Consolidation

Loan provision and maintenance	FREE OF CHARGE
Early repayment and extraordinary instalments	FREE OF CHARGE
Contractual fine for failure to settle refinanced or consolidated obligations (monthly)	CZK 299

Purpose mortgage

Mortgage Arrangement and Disbursement

Mortgage Arrangement	FREE OF CHARGE
1st to 4th drawdown	FREE OF CHARGE
5th and further drawdown	CZK 500
Incomplete drawdown	5 % from the undrawn part of loan if it exceeded 20 % of loan limit
Extension of drawdown period	1.5 % p.a. from the undrawn part of loan as of the application day

Mortgage Maintanance and Administration

Maintenance and administration		FREE OF CHARGE
Administration of extraordinary repayment (for constracts signed until 30 Nov 2016)*	Outside the date of change of fixed interest rate	10 % from the instalment amount
	As of the date of change of fixed interest rate	FREE OF CHARGE
Electronic delivery	Annual loan account statement	FREE OF CHARGE
Electronic delivery	Confirmation of interests paid	FREE OF CHARGE
Postal delivery	Annual loan account statement	100 CZK
Postal delivery	Confirmation of interests paid	150 CZK
Contract amendment requiring preparation of contract amendment		CZK 3,000
Change of loan parameter on the part of customer without the need to prepare a contract amendment		CZK 1,000
Verification of entry in the Land Registry		CZK 300
Termination of lien or another law (including the instruction for deletion from the Land Registry)		CZK 500 + administrative fee of the Land Registry (currently CZK 2,000)
Sent reminder to fulfil contractual conditions		CZK 499

Mortgage Insurance

Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali Česká pojištovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic.
Real estate insurance		0.0055 % from the insurance amount + CZK 160
Household insurance	Insurance amount CZK 300,000	125 CZK
	Insurance amount CZK 500,000	175 CZK
	Insurance amount CZK 750,000	250 CZK
Payment protection insurance	Package A	0.035 % from the agreed loan
	Package B	0.057 % from the agreed loan
	Package C	0.071 % from the agreed loan

Remortgage

Mortgage Arrangement and Disbursement

Mortgage Arrangement	FREE OF CHARGE
1st to 4th drawdown	FREE OF CHARGE
5th and further drawdown	CZK 500
Incomplete drawdown	5 % from the undrawn part of loan if it exceeded 20 % of loan limit
Extension of drawdown period	1.5 % p.a. from the undrawn part of loan as of the application day

Mortgage Maintanance and Administration

Maintenance and administration		FREE OF CHARGE
Administration of extraordinary repayment (for constracts signed until 30 Nov 2016)*	Outside the date of change of fixed interest rate	10 % from the instalment amount
	As of the date of change of fixed interest rate	FREE OF CHARGE
Electronic delivery	Annual loan account statement	FREE OF CHARGE
Electronic delivery	Confirmation of interests paid	FREE OF CHARGE
Postal delivery	Annual loan account statement	100 CZK
Postal delivery	Confirmation of interests paid	150 CZK
Contract amendment requiring preparation of contract amendment		CZK 3 000
Change of loan parameter on the part of customer without the need to prepare a contract amendment		CZK 1 000
Verification of entry in the Land Registry		CZK 300
Termination of lien or another law (including the instruction for deletion from the Land Registry)		CZK 500 + administrative fee of the Land Registry (currently CZK 2 000)
Sent reminder to fulfil contractual conditions		CZK 499

Mortgage Insurance

Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali ČeskápPojišťovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic.
Real estate insurance		0.0055 % from the insurance amount + CZK 160
Household insurance	Insurance amount CZK 300,000	125 CZK
	Insurance amount CZK 500,000	175 CZK
	Insurance amount CZK 750,000	250 CZK
Payment protection insurance	Package A	0.035 % from the agreed loan
	Package B	0.057 % from the agreed loan
	Package C	0.071 % from the agreed loan

Non-purpose mortgages

Mortgage Arrangement and Disbursement

Mortgage Arrangement	FREE OF CHARGE
1st to 4th drawdown	FREE OF CHARGE
5th and further drawdown	CZK 500
Incomplete drawdown	5 % from the undrawn part of loan if it exceeded 20 % of loan limit
Extension of drawdown period	1.5 % p.a. from the undrawn part of loan as of the application day

Mortgage Maintanance and Administration

Maintenance and administration		FREE OF CHARGE
Administration of extraordinary repayment (for constracts signed until 30 Nov 2016)*	Outside the date of change of fixed interest rate	10 % from the instalment amount
	As of the date of change of fixed interest rate	FREE OF CHARGE
Electronic delivery	Annual loan account statement	FREE OF CHARGE
Electronic delivery	Confirmation of interests paid	FREE OF CHARGE
Postal delivery	Annual loan account statement	100 CZK
Postal delivery	Confirmation of interests paid	150 CZK
Contract amendment requiring preparation of contract amendment		CZK 3,000
Change of loan parameter on the part of customer without the need to prepare a contract amendment		CZK 1,000
Verification of entry in the Land Registry		CZK 300
Termination of lien or another law (including the instruction for deletion from the Land Registry)		CZK 500 + administrative fee of the Land Registry (currently CZK 2,000)
Sent reminder to fulfil contractual conditions		CZK 499

Mortgage Insurance

Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali Česká pojištovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic.
Real estate insurance		0.0055 % from the insurance amount + CZK 160
Household insurance	Insurance amount CZK 300,000	125 CZK
	Insurance amount CZK 500,000	175 CZK
	Insurance amount CZK 750,000	250 CZK
Payment protection insurance	Package A	0.035 % from the agreed loan
	Package B	0.057 % from the agreed loan
	Package C	0.071 % from the agreed loan

Savings accounts

Account opening and maintenance	FREE OF CHARGE
Monthly bank account statement
- Electronic delivery	FREE OF CHARGE
- Postal delivery	CZK 29
Credit transfer - outgoing domestic payment	CZK 9
Credit transfer - outgoing domestic instant payment	CZK 9
Credit transfer - incoming domestic payment	FREE OF CHARGE
Credit transfer - incoming domestic instant payment	FREE OF CHARGE
Credit transfer - domestic payment order to client's own account within Equa bank	FREE OF CHARGE
Credit transfer - outgoing domestic priority payment	CZK 29
Credit transfer - outgoing Europayment/SEPA	CZK 9
Credit transfer - outgoing priority Europayment/SEPA	CZK 29
Credit transfer - incoming Europayment/SEPA	FREE OF CHARGE
Credit transfer - incoming foreign payment	CZK 29
Credit transfer - outgoing foreign payment (additional fees of third parties may be charged with OUR fee)	CZK 299
Credit transfer - outgoing foreign priority payment (additional fees of third parties may be charged with OUR fee)	CZK 499

Term deposits

Opening and maintenance of term deposit	FREE OF CHARGE
Transfer of funds upon opening and maturity of term deposit account	FREE OF CHARGE
Cancellation before maturity - opened from 21. 6. 2014	4% of principal

The term deposit and its opening are conditioned by maintenance of a current account in a currency which is identical with the currency of the term deposit to be opened.

Bill protection insurance

Bill protection insurance	Monthly cost
Basic	129 CZK
Complex	199 CZK

Card and personal belongings insurance

Fraudulent usage insurance (valid from 22. 10. 2020)	Monthly Cost
Basic	39 CZK
Comprehensive	89 CZK

Travel insurance

Year-round Trave Insurance (valid from 22. 10. 2020)	Monthly Cost
Single Europe	59 CZK
Single World	69 CZK
Family Europe	79 CZK
Family World	109 CZK

Travel Insurance via Mobile app	Daily Cost
Single Europe	29 CZK
Single World	73 CZK
Family Europe	65 CZK
Family World	99 CZK

Legal assistance for drivers

Legal protection for drivers	Monthly cost
Legal assistance for drivers (not offered)	119 CZK

Fees are charged in CZK. In case of foreign currency accounts, the fees are charged in the account currency converted by non – cash mid rate of respective currency.

Fees for active transactions (payment orders, realized payments, standing orders, direct debits, SIPO) apply when internet or mobile banking is used. If telephone banking or a Bank branch are used, an additional fee of CZK 20 is charged. When providing a banking informations to third parties, a VAT may be applied for such service.