Osobní finance

Private individuals - IV. Card services

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2008 to 14.09.2008. Currently valid versions of the List are available at another part of our web.
Please note that to print the List of Tariffs and Fees you must use its pdf version. This version is not optimized for printing, therefore it might result in an incomplete document depending on your specific browser and printer setup.

1.  Česká Spořitelna Cool Card

ItemTextPrice (CZK)
1.1. Česká spořitelna Cool Card issue/limit change free of charge
1.2. Change from Kredit+ credit card to Česká spořitelna Cool Card free of charge
1.3. Česká spořitelna Cool Card cancellation free of charge; CZK 300 when cancelled within 12 months (inclusive) from the beginning of the card validity*)
1.4. Česká spořitelna Cool Card fee
*) Applicable only to the first card issued, i.e. it does not apply to continuing/duplicate cards.

Services provided free with the Česká spořitelna Cool Card:

  • Lowest price guarantee
  • Purchase protection in the event of damage or theft
  • Round-the-clock account access via direct banking (upon request)
  • Issue of monthly account statements 
ItemTextPrice (CZK)
1.4.1. card account administration and maintenance – monthly fee**)
1.4.1.1. band I: 0 up to 1 service 19
1.4.1.2. band II: 2 up to 3 services 49
1.4.1.3. band III: 4 up to 5 services 69
1.4.1.4. band IV: 6 up to 7 services 89

**) Fees for students: Band I free of charge, other bands: CZK 19 discount

Optional services:

  • Sphere discount program: Instant discount from 5 to 30% when paying with the Česká spořitelna Cool Card at retailers participating in the Sphere discount programme in the Czech and Slovak Republic.
  • Extended goods guarantee: Extended legal guarantee on goods purchased with the Česká spořitelna Cool Card by 1 year in addition to the guarantee period provided by the seller.   
  • Česká spořitelna Cool Card bonus remitted to the Pension Fund of Česká spořitelna: The bonus for paying with the Česká spořitelna Cool Card bonus may be remitted to selected supplementary pension insurance account maintained by the Pension Fund of Česká spořitelna: a CZK 10 bonus for every CZK 1,000 paid with the Cool Card.
  • Bonus program: Points for paying with the Česká spořitelna Cool Card bonus and their exchange for special rewards: 1 point for every CZK 15 paid with the Cool Card.
  • Free card: If the overall number of transactions made with the Cool Card in the particular year achieves CZK 36,000 with a Basic Card, CZK 60,000 with a Gallery Card or Own Card, or CZK 150,000 with a Gold Card, such card is not subject to the annual fee.
  • Balance SMS: Information on the card account balance in the form of text messages sent to a mobile phone.
  • Repayment holidays: The option of postponing repayments by up to 2 months in each calendar year.

In case the number of agreed services changes, a fee according to the applicable band valid as of the last day of the accounting cycle in which the change has been made is charged. 
Other products and services not specified hereinabove are charged according to the applicable parts of the List of Charges.

ItemTextPrice (CZK)
1.4.2. international embossed MasterCard Issue/Use – Annual Fee (The same fee is charged with supplementary cards)
1.4.2.1. basic card 199
1.4.2.2. gallery card – selection from the image gallery 349
1.4.2.3. own card – own image on card 349
1.4.2.4. Gold card – card with prestigious appearance 899
1.5. Additionally Purchased Services
1.5.1. repayment of whole amount – automatic setting of 100% collection of the total drawn amount – monthly fee*) 29
1.5.2. card misuse insurance see article 3.2
1.5.3. insurance of ability to repay see article 3.3

*) Available only for Bands III and IV and Gold Cards

The prices for additionally purchased services are charged separately.
ItemTextPrice (CZK)
1.6. Special Drawing Methods
1.6.1. card loan – withdrawal of funds immediately after filing an application for the issue of the Česká spořitelna Cool Card and after concluding a card account agreement 290
1.6.2. transfer of card to Česká spořitelna – repayment of liabilities arising from withdrawals from a credit card of another issuer by the Česká spořitelna Cool Card 2.97% from the refinanced amount

2.  Other card types

ItemTextPrice (CZK)
2.1. Debit cards – card issue/use – annual fee
2.1.1 Domestic ATM cards (electronic)
2.1.1.1. JUNIOR X account

free with X account*)

2.1.2. International cards (electronic)
2.1.2.1. Visa ELECTRON Student+,
MAESTRO UK Student+

free with Student+ Program

2.1.2.2. VISA ELECTRON,
MAESTRO
200
2.1.3. International cards ( embossed )
2.1.3.1. MasterCard STANDARD PARTNER,
MasterCard PARTNER UK,
VISA CLASSIC PARTNER
400
2.1.3.2. VISA GOLD debit card 3,700
2.2. Kredit+ credit cards – card issue/use – annual fee
2.2.1. International cards (electronic)
2.2.1.1. Kredit+ VISA ELECTRON - supplementary 120 **)
2.2.2. International cards (embossed)
2.2.2.1. Kredit+ VISA ELECTRON PARTNER - supplementary,
Kredit+ MasterCard PARTNER - supplementary,
Kredit+ MasterCard PARTNER UK - supplementary
190 **)
2.2.2.2. Kredit+ VISA GOLD - basic,
Kredit+ MasterCard GOLD - basic,
Kredit+ MasterCard GOLD - basic
2,700
2.2.2.3. Kredit+ VISA GOLD - supplementary,
Kredit+ MasterCard GOLD - supplementary,
Kredit+ MasterCard GOLD UK - supplementary
1,700 **)
2.3. International prepaid (electronic) cards – annual fee
2.3.1. MAESTRO TRANSFER - basic,
MAESTRO TRANSFER – supplementary card

230

2.4. Cards with suspended issuance or card use – annual fee
2.4.1. Kredit+ VISA ELECTRON - basic (electronic card)
120
2.4.2. Kredit+ VISA ELECTRON PARTNER - basic,
Kredit+ MasterCard PARTNER - basic,
Kredit+ MasterCard PARTNER UK - basic
300
2.4.3. JUNIOR Xtra (ATM card)

free with X account*)

2.4.4. JUNIOR (ATM card) 60
2.4.5. TREND (ATM card) 220
2.4.6. T-Mobile RENTA (ATM card) free of charge
2.4.7. VISA GOLD charge card (embossed) 4,700

*) Valid for Xtra Accounts opened by or before 30 September 2006
**) Can be issued only to cards specified in paragraph 2.2.2.2.

3.  Optional insurance to international cards

ItemTextPrice (CZK)
3.1. Travel insurance*) – annually**)
3.1.1. Comfort – cardholder insurance 300
3.1.2. Comfort Family – additional insurance of family members 450
3.1.3. Gold Family – additional insurance of family members to Gold cards (+1 adult and 3 children) 1,500
3.2. Insurance against card misuse in case of a lost or stolen card – annually**)
3.2.1. P10 (insurance cover up to CZK 10,000) 170
3.2.2. P30 (insurance cover up to CZK 30,000) 320
3.2.3. P60 (insurance cover up to CZK 60,000) 480
3.3. Insurance of ability to repay with the Česká spořitelna Cool Card and Kredit+ card – monthly fee
3.3.1. types of insurance A – incapacity for work, disability, death

0.49% from the outstanding amount at the end of the accounting cycle

3.3.2. types of insurance B – incapacity for work, disability, death, job loss

0.89% from the outstanding amount at the end of the accounting cycle

*) From April 1 st 2008 new insurance is not attached to cards issued under “Osobní účet České spořitelny”. Insurance is also not arranged with the Česká spořitelna Cool Card. “Gold” cards may newly contain only Gold Family insurance
**) Apart from insurance arranged to an already issued valid card, where the first payment of the
insurance premium is charged at the time when the insurance is effected, and subsequent payments along with the annual card fee

4.  Other card-related services

ItemTextPrice (CZK)
4.1. Agreement of a loan for the maturity of a Kredit­+ and charge card free of charge
4.2. Card account administration and maintenance for Kredit+ and charge cards free of charge
4.3. Sending of card/express debit card issue
4.3.1. sending of international payment cards by mail to the client's address in the CR free of charge
4.3.2. sending of international payment cards abroad by means ofmessenger services

2,100 in addition to the card fee

4.3.3. express debit card issue, including delivery to the cardholder's address on the territory of the CR

3,000 in addition to the card fee

4.4. Card account statement
4.4.1. regular statement (issue/sending)
4.4.1.1. Česká spořitelna Cool Card free of charge/postage
4.4.1.2. Kredit+ card, charge card, T-Mobile RENTA card free of charge/free of charge
4.4.1.3. prepaid card

free of charge/postage

4.4.2. extraordinary statement upon the client's request (issue/sending) 30
4.5. Services available at ATMs
4.5.1. PIN change at ATMs of Česká spořitelna, a.s. 50
4.5.2. account balance query at ATMs of Česká spořitelna, a.s. free of charge
4.5.3. balance query in relation to accounts to which VISA cards are issued at ATMs of other banks 20
4.6. Your own special card – placing image (design) on payment card 190
4.6.1. Debit card Note: The price is charged for each card made during the period for which the service is agreed. In addition to the price for the "Design your own card" service a price is charged for each new or substitute card according to valid List of Tariffs and Fees. New cards issued to the “Personal Account” held in Česká spořitelna are provided free-of-charge. 190
4.6.2.Česká spořitelna Cool Card

the price is included in the fee for card issue /use, see Articles 1.4.2.2 and 1.4.2.3.

4.7. Changing card limits
4.7.1. Česká spořitelna Cool Card 30
4.7.2. other card types
4.7.2.1. first change free of charge
4.7.2.2. second and additional changes 50
4.8. Sending of demand for payment in the event of default in the payment of the prescribed amount to the Česká spořitelna Cool Card/credit/charge card or in case of exceeding the agreed credit limit
4.8.1. failure to meet the maturity of the Česká spořitelna Cool Card 250
4.8.2. first reminder notice (issue/sending)

free of charge/postage

4.8.3. second reminder notice (issue/sending)

300/postage

4.8.4. third reminder notice (issue/sending)

500/postage

4.9. Resending of PIN by registered letter with personal delivery – for all card types 100
4.10. Card Blocking
4.10.1. electronic and T-Mobile RENTA – card blocking instruction acceptance and execution 200
4.10.2. embossed – card blocking instruction acceptance and execution 500
4.10.3. blocking of a card on the part of Česká spořitelna, a.s. in case of a violation of the agreement by the client 500
4.10.4. blocking recall free of charge
4.11. Production of duplicate card – fee charged upon duplicate card request submission
4.11.1.
  • elektronic
  • when agreeing a Sphere Card Bonus Program to the Cool Card of Česká spořitelna

100
4.11.2.
  • embossed
  • T-Mobile RENTA cards
  • when terminating the Sphere Card Bonus Program to the Cool Card of Česká spořitelna

200
4.12. Emergency services (for embossed cards)
4.12.1. issue of duplicate card with limited validity abroad (Emergency Card) 2,500
4.12.2. payment of emergency cash advance abroad (Emergency Cash Advance) 1,500
4.13. Conversion fee for transactions made by international cards charged by VISA and MasterCard Int. associations free of charge

Apart from the fees for services specified in the List of Charges, also the actual expenses of Česká spořitelna, a.s. as well as other expenses (e.g. expenses of other banks and institutions) are charged. The fees are paid in cash during the provision of services or debited to the applicable account, however, such fees shall be settled not later than upon account closing and/or at the end of the year. Upon request, Česká spořitelna shall issue a receipt for fees paid in cash.

Additional fees charged for services provided by Česká spořitelna, a.s. are detailed in other parts of the List of Charges.

In exceptional cases, the bank may provide a discount from the specified fee.

This List of Charges shall become valid as of 1 September 2008 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 21 August 2008

Ing. Jiří Škorvaga CSc., in his own hand
Member of the Board of Directors
and Deputy General Director
Martin Techman, in his own hand
Director of the Business Development Division

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2008 to 14.09.2008. Currently valid versions of the List are available at another part of our web.