Price List
Download full price list in PDF - valid as of 1. 9. 2018
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 - 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 | 29 CZK |
| 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 - outgoing domestic priority payment | CZK 29 |
| Credit transfer - outgoing Europayment/SEPA | CZK 99 |
| Credit transfer - incoming Europayment/SEPA | CZK 9 |
| 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 Golden Premium Card (monthly) | CZK 89 |
| Maintenance of Golden Premium Plus Card (monthly) | CZK 129 |
| Cash withdrawal | |
| – from an ATM of any bank in the CR | FREE OF CHARGE |
| – from an ATM of any bank abroad | CZK 9 |
| – from an ATM of any bank abroad using Premium Plus Card | 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 |
| Balance inquiry through 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 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
| Granting of mortgage | FREE OF CHARGE |
|---|---|
| Standard purpose and non-purpose loan: fixation for 3 and 5 years | FREE OF CHARGE |
| Standard purpose and non-purpose loan: fixation for 1 year | CZK 2,800 |
| PRO and FIT Mortgage | 1 % from the loan amount |
Mortgage Disbursement
| 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 |
| Confirmation of interests paid | FREE OF CHARGE | |
| Postal delivery | Annual loan account statement | 150 CZK |
| Confirmation of interests paid | 100 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 1,000) | |
| Sent reminder to fulfil contractual conditions | CZK 499 | |
Mortgage Insurance
| 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 in case that the offer was issued until 17th November 2017 | Package A | 0.033 % from the agreed loan |
| Package B | 0.055 % from the agreed loan | |
| Package C | 0.069 % from the agreed loan | |
| Payment protection insurance in case that the offer was issued after 18th | Package A | 0.035 % from the agreed loan |
| Package B | 0.057 % from the agreed loan | |
| Package C | 0.071 % from the agreed loan | |
Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali Pojistovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic. | ||
Remortgage
Mortgage Arrangement
| Granting of mortgage | FREE OF CHARGE |
|---|---|
| Standard purpose and non-purpose loan: fixation for 3 and 5 years | FREE OF CHARGE |
| Standard purpose and non-purpose loan: fixation for 1 year | CZK 2,800 |
| PRO and FIT Mortgage | 1 % from the loan amount |
Mortgage Disbursement
| 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 |
| Confirmation of interests paid | FREE OF CHARGE | |
| Postal delivery | Annual loan account statement | 150 CZK |
| Confirmation of interests paid | 100 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 1,000) | |
| Sent reminder to fulfil contractual conditions | CZK 499 | |
Mortgage Insurance
| 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 in case that the offer was issued until 17th November 2017 | Package A | 0.033 % from the agreed loan |
| Package B | 0.055 % from the agreed loan | |
| Package C | 0.069 % from the agreed loan | |
| Payment protection insurance in case that the offer was issued after 18th | Package A | 0.035 % from the agreed loan |
| Package B | 0.057 % from the agreed loan | |
| Package C | 0.071 % from the agreed loan | |
Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali Pojistovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic. | ||
Non-purpose mortgages
Mortgage Arrangement
| Granting of mortgage | FREE OF CHARGE |
|---|---|
| Standard purpose and non-purpose loan: fixation for 3 and 5 years | FREE OF CHARGE |
| Standard purpose and non-purpose loan: fixation for 1 year | CZK 2,800 |
| PRO and FIT Mortgage | 1 % from the loan amount |
Mortgage Disbursement
| 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 |
| Confirmation of interests paid | FREE OF CHARGE | |
| Postal delivery | Annual loan account statement | 150 CZK |
| Confirmation of interests paid | 100 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 1,000) | |
| Sent reminder to fulfil contractual conditions | CZK 499 | |
Mortgage Insurance
| 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 in case that the offer was issued until 17th November 2017 | Package A | 0.033 % from the agreed loan |
| Package B | 0.055 % from the agreed loan | |
| Package C | 0.069 % from the agreed loan | |
| Payment protection insurance in case that the offer was issued after 18th | Package A | 0.035 % from the agreed loan |
| Package B | 0.057 % from the agreed loan | |
| Package C | 0.071 % from the agreed loan | |
Fees for mortgage insurance are charged monthly. The real estate and household insurance are provided in cooperation with Generali Pojistovna a.s., the payment protection insurance is provided in cooperation with MetLife Europe d.a.c., branch for the Czech Republic. | ||
Savings account
| Account opening and maintenance | FREE OF CHARGE |
|---|---|
| Monthly bank account statement | |
| - Electronic delivery | FREE OF CHARGE |
| - Postal delivery | 29 CZK |
| Credit transfer - outgoing domestic payment | CZK 9 |
| Credit transfer - incoming domestic 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 99 |
| Credit transfer - incoming Europayment/SEPA | CZK 9 |
| 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 till 20.06.2014 | 2% of principal |
| Cancellation before maturity - opened from 21.06.2014 | 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. |
|---|
Savings account EXTRA EUR
| Account opening and maintenance | FREE OF CHARGE |
|---|---|
| Monthly bank account statement | |
| - Electronic delivery | FREE OF CHARGE |
| - Postal delivery | 29 CZK |
| Credit transfer - outgoing domestic payment | CZK 9 |
| Credit transfer - incoming domestic 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 99 |
| Credit transfer - incoming Europayment/SEPA | CZK 9 |
| 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 |
Savings account HIT
| Account opening and maintenance | FREE OF CHARGE |
|---|---|
| Monthly bank account statement | |
| - Electronic delivery | FREE OF CHARGE |
| - Postal delivery | 29 CZK |
| Credit transfer - outgoing domestic payment | CZK 9 |
| Credit transfer - incoming domestic 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 99 |
| Credit transfer - incoming Europayment/SEPA | CZK 9 |
| 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 |
Bill protection insurance
| Bill protection insurance | Monthly cost |
| Basic | 129 CZK |
|---|---|
| Complex | 199 CZK |
Card and personal belongings insurance
| Fraudulent usage insurance | Monthly Cost |
|---|---|
| Basic | 29 CZK |
| Complex | 59 CZK |
Travel insurance
| Travel Insurance Package | Monthly Cost |
| Individual | 49 CZK |
|---|---|
| Individual Sport + | 59 CZK |
| Family | 69 CZK |
| Family Sport+ | 79 CZK |
Legal assistance for drivers
| Legal protection for drivers | Monthly cost |
|---|---|
| Legal assistance for drivers | 119 CZK |
Health assistance
| Health assistance | Monthly cost |
|---|---|
| Health assistance coverage | 29 CZk |
Home assistance
| Home assistance | Monthly cost |
|---|---|
| Home assistance insurance | 29 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.
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