Top rate for regular investors
You have a Plus account, George, and you invest with regular instruction or contribute to your pension savings min. CZK 2,000 per month? We will credit you with interest rate of 4,05 % p.a. up to CZK 400,000.
One Savings account, up to 9 savings goals
Do you want to save in one account for several things at once? You can divide the money into up to 9 savings envelopes depending on what you want to save for. In George, you can see how you are progressing towards your goals at any time.
Your money is always available and you pay no fees
You can access your money at any time and you do not pay anything for setting up and maintaining an account. Domestic incoming payments are also free.
The journey to financial health with a Savings account
At Česká spořitelna, we take care of the financial health of our customers and Czech society, we reward healthy investments.
The more you care about your own financial health, the higher your interest rate will be.
*A list of eligible products can be found below in the Frequently Asked Questions section.
Savings account Calculator
Calculate how much you will save
The interest rate of 4,05 % p. a. applies to the balance up to CZK 400,000, the balance above this amount bears interest at a rate of 0,01% p. a. The calculation is only informative.
Do you want to regularly save for your children as well?
Set up a Children's Savings account with a favorable interest rate of up to 4,05% p.a. It will teach your kids to save money so they can make their dreams come true.
Other benefits of a Savings account
- We do not require any minimum deposit or balance in the Savings account.
- You determine how much and when you save. You can regularly save any amount or deposit as much as you want.
- Your savings are safe because the deposits are legally insured.
With your Plus account, you have the Pay and Save function in George app. When you turn the service on, a few crowns will automatically go to your Savings account with every debit card payment.
Savings account of Česká spořitelna: You might be interested
To open a Savings account, you need a valid identity card, such as a national ID card.
You don't have to be our client and you don't even have to use any of our other products.
You can arrange one Savings account with our bank for Identification Birth Number.
Yes, statements in electronic form are free of charge.
The interest rate on the Savings account consists of two items (the basic interest rate and the bonus interest rate announced as part of the marketing campaign). Your interest rate compounded of these items will look like this:
If you have Plus account, George and regular investment or contribution of the participant to the pension savings (we take into account only contribution of the participant, not from the employer) in the sum of min. CZK 2,000 per month, you will receive the interest rate 4,05 % p.a. up to the balance of CZK 400,000.
If you have Plus account, George and regular investment or contribution of the participant to the pension savings (we take into account only contribution of the participant, not from the employer) in the sum of min. CZK 500 up to CZK 1999 per month, you will receive the interest rate 2,50 % p.a. up to the balance of CZK 400,000.
Or
If you have Plus account and savings in the Česká Spořitelna in the value of min. CZK 1,000,000 (Savings account, Deposit account/Term deposit, Current account, Current account in foreign currency, Security account and pension savings), you will receive the interest rate 2,50 % p.a. up to the balance of CZK 400,000.
If you have Plus account and George and you do not have regular investments or contribution to the pension savings, you will receive the interest rate 1,25 % p.a. up to the balance of CZK 400,000.
If you have Plus account and you do not use George, you will receive the interest rate 0,25 % p.a. up to the balance of CZK 400,000.
If you do not have Plus account, you will receive the interest rate 0,20 % p.a. up to the balance of CZK 200,000.
You can find it out easily in George, in your Security account, in the regular investment tab. Check if you have a "Recurring Purchase" instruction set up there. If not, use the "New Recurring Purchase" button on the same page to create an instruction. The regular investment instruction is valid from the next business day.
No, in order to qualify for the highest interest rate on a Savings account for regular investment, the amount of the standing order must exactly match the active order for regular investment instruction. However, the condition is not the exact day of the transfer of investments in the month or the type of transfer (standing or one-time order).
If you have a Plus account, George and you start investing regularly (and the regular instruction is settled), you will get the highest interest within 5 days after the regular instructions are settled.
In the case of pension savings, the interest rate change depends on when your employer's information about the amount of your contribution reaches the pension company, if your contribution is deducted from your salary. If you are sending the contribution yourself, e.g. by standing order, you will be credited with highest interest within 5 days of being credited to the account of our pension company.
No, in order to fulfill the requirements for the better rate on the Savings account, it is necessary that the amount of the participant's contribution that you send each month is exactly in accordance with the agreed amount on the contract for your pension savings. You can change the contribution amount in the pension savings contract. The change is effective from the first day of the following month. In case of sending a higher amount, only the amount up to the amount agreed in the contract is included.
If you do not have George, and you have a Plus account with us and at least CZK 1 000 000 on our other products by the end of the month (Savings account, Deposit account/Term deposit, Current account, Current account in foreign currency, Security account and pension savings), we will take this into account in the interest rate from the 5th day of the following calendar month.
You can't, the account is free - no fees can be deducted from it. Clearing fees are payable for cross-border payments.
Announcement of Interest Rates | PDF (27 kB) |
Marketing campaign – Savings accounts MM | PDF (19 kB) |