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 31.10.2009 to 31.08.2010. 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/change of credit limit 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
1.3.1. up to 12 months (inclusive) from the beginning of the first issued card 300
1.3.2. over 12 months free of charge
1.4. Česká spořitelna Cool Card fee
1.4.1.Services provided free of charge and included in the Česká spořitelna Cool Card monthly fee
1.4.1.1. Lowest price guarantee free of charge
1.4.1.2. Purchase protection in the event of damage or theft free of charge
1.4.1.3. Round-the-clock account access via direct banking (upon request) free of charge
1.4.1.4. Issue of monthly account statements free of charge
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
1.4.3. Card account administration and maintenance – monthly fee*)
1.4.3.1. band I: 0 up to 1 service 19
1.4.3.2. band II: 2 up to 3 services 49
1.4.3.3. band III: 4 up to 5 services 69
1.4.3.4. band IV: 6 up to 7 services 89
1.5. Additionally Purchased Services - the fees are charged separately
1.5.1. Repayment of whole amount – automatic setting of 100% collection of the total drawn amount – monthly fee 29
1.5.2. Insurance see Optional insurance to international cards
1.6. Special Drawing Methods
1.6.1. Card loan – withdrawal of funds in cash or non-cash transfer 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

*) 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. 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.
  • Used card for free : If the total volume of payment card transactions for the year (which must be cleared before the last day of the accounting cycle preceding the date on which the annual fee for card issue/use is charged) reaches CZK 36,000 (Basic Cards) or CZK 60,000 (cards with design chosen from our gallery or cards with individual design) or CZK 150,000 (Gold Cards), such card´s maintenence/use in that year is for free.
  • 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.

2.  Other card types

ItemTextPrice (CZK)
2.1. International debit cards – card issue/use – annual fee
2.1.1. electronic cards
2.1.1.1. VISA ELECTRON,
MAESTRO
200 *)
2.1.2. embossed cards
2.1.2.1. MasterCard STANDARD PARTNER,
VISA CLASSIC PARTNER
400 *) **)
2.1.2.2.VISA GOLD PARTNER, Master Card GOLD PARTNERIssued only to Personal Account (Osobní účet České spořitelny) *)
2.1.2.3. VISA GOLD debit card 3,700
2.2. Kredit+ international credit cards (embossed) – card issue/use – annual fee
2.2.1. Kredit+ VISA GOLD - basic Kredit+ MasterCard GOLD - basic 2,700
2.2.2. Kredit+ VISA GOLD - supplementary card Kredit+ MasterCard GOLD - supplementary card 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.JUNIOR X account (ATM card)free with X konto ***)
2.4.2. VISA ELECTRON Student+ MAESTRO UK Student+ free with Student+ Program
2.4.3.MasterCard PARTNER UK400
2.4.4. Kredit+ VISA ELECTRON - basic, Kredit+ VISA ELECTRON - supplementary card
120
2.4.5. Kredit+ VISA ELECTRON PARTNER - basic,
Kredit+ MasterCard PARTNER - basic,
Kredit+ MasterCard PARTNER UK - basic
300
2.4.6.Kredit+ MasterCard GOLD UK - basic 2,700
2.4.7. Kredit+ VISA CLASSIC PARTNER - supplementary card Kredit+ MasterCard PARTNER - supplementary card  Kredit+ MasterCard PARTNER UK - supplementary card 190
2.4.8.Kredit+ Master Card GOLD UK - supplementary card 1,700
2.4.9. VISA GOLD charge card (embossed) 4,700

*) Fees for cards issued to Personal Account (Osobní účet České spořitelny) are charged as part of the Personal Account’s monthly fee.

**) STANDARD PARTNER MasterCard issued automatically as a replacement of Maestro UK Student+ card as part of the Student+ Programme - free of charge through card validity (max. 3 years).

***) Valid for Xtra Accounts opened by or before 30 September 2006

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. Card and personal belongings insurance – 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

*) Not arranged with the Česká spořitelna Cool Card. From April 1 st 2008 new insurance is not attached to cards issued under “Osobní účet České spořitelny”.From April 20th 2009, no new insurance Comfort and Comfort Family attached to Kredit+ credit cards. “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 by mail free of charge + postage
4.4.2. regular statement via SERVIS 24 Internetbanking

free of charge

4.4.3.regular statement at the branch to be collected in person45
4.4.4.Extraordinary statement upon the client's request30
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 issued at ATMs of other banks 20
4.5.4. Card transaction limit inquiry at ATMs of Česká spořitelna, a.s. free of charge
4.6. Your own special card – placing image (design) on debit payment 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
4.7. Changing card transaction limits 30
4.8. Card locking/unlocking 30
4.9. 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
4.9.1. failure to meet the maturity of the Česká spořitelna Cool Card 250
4.9.2. first reminder notice

300 + postage

4.9.3. second reminder notice

300 + postage

4.9.4. third reminder notice

300 + postage

4.10. Resending of PIN by registered letter with personal delivery – for all card types 100
4.11. Card Blocking
4.11.1. blocking execution upon client´s request

free of charge

4.11.2. blocking recall

free of charge

4.12. Production of duplicate card – fee charged upon duplicate card request submission
4.12.1.
  • elektronic
  • when agreeing a Sphere Card Bonus Program to the Cool Card of Česká spořitelna

100
4.12.2.
  • embossed
  • when terminating the Sphere Card Bonus Program or changing card image (design) to the Cool Card of Česká spořitelna
200
4.13. Emergency services (for embossed cards)
4.13.1. issue of duplicate card with limited validity abroad (Emergency Card) 2,500
4.13.2. payment of emergency cash advance abroad (Emergency Cash Advance) 1,500

Apart from the fees for services specified in the List of Charges, also the actual (-) 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 31 October 2009 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 26 October 2009

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 31.10.2009 to 31.08.2010. Currently valid versions of the List are available at another part of our web.