Action
Expobank
When an existing bank client makes an offer to a new client promo code and bonus 500 CZK for opening an account in Expobank, they both get five hundred from the bank. The interest rate is 4.61% p.a. with no limit on the amount of the balance.
- The event lasts until: 31 March 2023
Blue pyramid construction savings bank
Saving Wisely: 3 % p.a. up to the target amount of CZK 300,000
Building kit Combi: 3,50 % p.a. up to the target amount of CZK 300,000. The condition is to open an account at Komerční banka. (Detailed conditions)
- The event lasts until: 31 August 2022
MONETA construction savings bank
Bonus 2000 CZK to building savings.
Conditions:
- Target amount min. 200,000 CZK.
- Deposit at least 1% of the target amount into the building savings account within 4 months of signing the contract. (Detailed conditions)
- Action lasts until: appeal
NEY savings association
Special interest rates for term deposit with interest at the end of the deposit:
- 3 months: 6,75 % p.a.
- 6 months: 7 % p.a.
- 1 year: 7,25 % p.a.
- 2 years: 6 % p.a.
- The event lasts until: 31 August 2022
Raiffeisen building society
Bonus 2000 CZK you can get a bill + building kit when negotiating a package. If you set up a Raiffeisenbank Smart Account and RSTS building savings through the RSTS website, Raiffka will give you CZK 1,000 and RSTS another CZK 1,000. It has two hooks.
1. You must open an account with Raiffeisenbank via kodex mobility of the clientthat is, when negotiating this package, you indicate which account in the competing bank you are canceling.
2. You must comply the condition of active use of the account at Raiffeisenbank. In two of the following 4 months after the account was arranged, you will fulfill the condition of three outgoing card payments, while the card payment at the merchant or the card payment on the Internet is counted.
If you do not fulfill this requirement at Raiffeisenbank, you will only receive a bonus from RSTS (CZK 1,000).
The next event is double interest until the end of 2027 (2× 1,50 % p.a.). The condition for obtaining an interest bonus is to have a balance of min. according to the table below:
| Calendar year | Minimum balance on the building savings account as of December 30 of the calendar year |
|---|---|
| 2022 | 20,000 CZK |
| 2023 | CZK 40,000 |
| 2024 | 60,000 CZK |
| 2025 | 80,000 CZK |
| 2026 | CZK 100,000 |
| 2027 | 120,000 CZK |
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To give you an idea, if you send min. CZK 1,700, you can easily fulfill the condition.
- Action lasts until: appeal
Construction savings bank Česká spořitelna
The interest rate guarantee is still running 2,50 % p.a. at 6 let.
Until the end of June, there was a promotion for a bonus of CZK 2,500. Whoever caught on to her and doesn’t save for a child did well. But who wants a contract for a child, a new promotion with a bonus is running from 7/29/2022 CZK 3,500 for a contract concluded for a child. The bonus is automatic and will be credited to the building savings account one month after the conclusion of the contract.
Conditions:
- Save min. 2 years, otherwise you return the bonus,
- can be concluded until the last day before the 18th birthday.
- Action lasts until: appeal
UniCredit Bank
Interest rate 5,50 % p.a. for newly established account START, OPEN, TOP valid until June 30, 2023 for a balance of up to CZK 1 million.
- The event lasts until: 30 September 2022
We are increasing
Expobank
- 1 year: 4.10 → 5,11 % p.a.
- 2 years: 3.20 → 3,60 % p.a.
- 3 years: 2.90 → 3 % p.a.
- 4 years: 2.70 → 2,80 % p.a.
Commercial Bank
Junior savings account: 3 → 4 % p.a. up to CZK 100,000
KB Savings account Bonus: 2,50 → 3,30 % p.a. up to 200,000 CZK
MONETA Money Bank
- 3 months: 3.80 → 4,80 p.a.
- 6 months: 4.30 → 5,30 % p.a.
Savings account Savings / Savings D: 4,50 % p.a. → 5,10 % p.a. up to CZK 500,000
Oberbank
- 6 months: 3.60 → 5 % p.a.
- 9 months: 3.80 → 5 % p.a.
- 1 year: 4 → 5,10 % p.a.
- Average interest rate: 4.20 → 4,50 % p.a.
The current interest rates are according to the deposit period:
- 1-6 month 3.30 → 4 % p.a.
- 7-12 month 3.90 → 4,10 % p.a.
- 13-18 month 5.40% pa (unchanged)
We are reducing
Banks and pawnshops have not yet reduced savings interest rates in the past period and from 1 August 2022.
You’re losing money
Current interest rates of savings deposit products still they cannot cover rising inflation. When choosing any product, you actually lose because your money depreciates. Inflation in June 2022 was year-on-year 17,20 % p.a.but in reality it is higher.
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Where to go with CZK 200,000 “bye”
Bank savings accounts without a notice period – sorted by the highest deposit interest rate above 4% pa, without investment conditions.
| Bank/reserve | Product | Interest rate |
|---|---|---|
| UniCredit Bank | Account START, OPEN, TOP | 5,50 % p.a. |
| MONETA Money Bank | Savings account Savings / Savings D | 5,10 % p.a. |
| Expobank | NEO account | 4,61 % p.a. |
| Bank Credit | Savings Account+ | 4,50 % p.a. |
| Fio bank | Fio account | 4,50 % p.a. |
| Raiffeisen Bank | HIT PLUS savings account with bonus | 4,50 % p.a. |
| Hello bank! | Hello savings account | 4,50 % p.a. |
| J&T Bank | J&T Savings Account | 4,25 % p.a. |
| TRINITY BANK | Savings account advantage+ Good client | 4,08 % p.a. |
| Raiffeisenbank (Equa bank) | EXTRA savings account | 4 % p.a. |
| Air Bank | Savings account with bonus rate | 4 % p.a. |
| mBank | eMax Plus | 4 % p.a. |
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Where to go with CZK 500,000 “bye”
Bank savings accounts without a notice period – sorted by the highest deposit interest rate above 4% pa, without investment conditions.
| Bank/reserve | Product | Interest rate |
|---|---|---|
| UniCredit Bank | Account START, OPEN, TOP | 5,50 % p.a. |
| MONETA Money Bank | Savings account Savings / Savings D | 5,10 % p.a. |
| Expobank | NEO account | 4,61 % p.a. |
| Bank Credit | Savings Account+ | 4.50% p.a., over CZK 350,000 3.10% p.a |
| J&T Bank | J&T Savings Account | 4,25 % p.a. |
| TRINITY BANK | Savings account advantage+ Good client | 4,08 % p.a. |
| Expobank | NEO account | 4,01 % p.a. |
| Raiffeisenbank (Equa bank) | EXTRA savings account | 4 % p.a. |
| mBank | eMax Plus | 4 % p.a. |
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Where to go with money over CZK 1,000,000 “see you”
Bank savings accounts without a notice period – sorted by the highest deposit interest rate above 4% pa, without investment conditions.
Current dates for August 2022
Savings account comparator
Max. the achievable interest rate at banks is
- 5,50 % p.a. UniCredit Bank
- 5,10 % p.a. MONETA Money Bank
- 5 % p.a. mBank
- 4,61 % p.a. Expobank
- 4,50 % p.a. Raiffeisenbank, Banka CREDITAS, Fio banka, Hello bank!, MONETA Money Bank
- 4,25 % p.a. Česká spořitelna, J&T Banka
- 4,08 % p.a. TRINITY BANK
- 4,01 % p.a. Expobank
- 4 % p.a. Air Bank, Fio Bank, J&T Bank
It is with pawnshops 4,75 % p.a.
Time deposit comparator
Max. achievable rate (without investment conditions)
- 7,25 % p.a. NEY savings association
- 6 % p.a. UniCredit Bank
- 6,30 % p.a. Artesa spořitelní družstvo, UniCredit Bank
- 5,75 % p.a. NEY savings association
- 5,50 % p.a. J&T Banka, Raiffeisenbank
- 5,20 % p.a. Bank Credit
- 5,11 % p.a. Expobank
- 5,10 % p.a. Oberbank
- 5,08 % p.a. TRINITY BANK
- 5 % p.a. ČSOB
Passbook Comparator
Max. the achievable rate is 2 % p.a.
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