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Private individuals - I. Deposit products

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1.  Personal Account of Ceska Sporitelna

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 31.10.2009 to 30.06.2010. Currently valid versions of the List are available at another part of our web.
ItemTextPrice (CZK)
1.1. Personal Account, Personal Account Student, Personal Account Junior opening and administration free of charge
1.2. Change from Personal Account, Personal Account Student, Personal Account Junior to another program free of charge
1.3. Closing of Personal Account, Personal Account Student, Personal Account Junior free of charge
1.4. Personal Account monthly fee *)
1.4.1.Products and services provided free of charge and included in the Česká spořitelna Personal Account monthly fee
1.4.1.1.giro account maintenancefree of charge
1.4.1.2. issue of monthly statement ( account statement series) free of charge
1.4.1.3.deposit account administration and maintenancefree of charge
1.4.1.4.standing payment order/collection permit set-upfree of charge
1.4.2. Standard Products and Services
1.4.2.1.Standard I: 0 to 1 product/service Standard29
1.4.2.2.Standard II: 2 to 3 products/sesrvices Standard69
1.4.2.3.Standard III: 4 to 6 products/services Standard109
1.4.2.4.Standard IV: 7 to 9 products/services Standard149
1.4.2.5. 10 th and every other single product/service Standard 20
1.4.3. Plus Products and Services
1.4.3.1.Plus I: 1 to 2 Plus products/services159
1.4.3.2.Plus II: 3 to 4 Plus products/services289
1.4.3.3.Plus III: 5 to 6 Plus products/services389
1.4.3.4. 7th and each additional Plus product/service 80
1.4.4. Program výhod - Personal Account monthly fee discount **)
1.4.4.1.Active account10% discount on Personal account mothly fee
1.4.4.2.Active account and Cretit turnover on Personal account minimum 25 th.CZK or Active account and Total balance over 300 th. CZK25% discount on Personal Account monthly fee
1.4.4.3.Active account and Cretit turnover on Personal account minimum 50 th.CZK or Active account and Total balance over 500 th. CZK 50% discount on Personal account monthly fee
1.4.4.4.Active account and Cretit turnover on Personal account minimum 75 th.CZK or Active account and Total balance over 1 mio. CZK75% discount on Personal account monthly fee
1.4.4.5.Active account and Cretit turnover on Personal account minimum 100 th.CZK or Active account and Total balance over 5 mio. CZK100% discount on Personal account monthly fee
1.5. Products and Services Special provided to the Česká spořitelna Personal Account - the fees are charged separately
1.5.1. Insurance of ability to pay regular expenses
1.5.1.1. insurance for the event of death, disability or incapacity for work – Insurance Set A 49
1.5.1.2. insurance for the event of death, disability or incapacity for work – Insurance Set A+ 99
1.5.1.3. insurance for the event of death, disability, incapacity for work or loss of employment – Insurance Set B 99
1.5.1.4. insurance for the event of death, disability, incapacity for work or loss of employment – Insurance Set B+ 169
1.5.2. Legal Protection Insurance
1.5.2.1. legal advice related to movables – Level A (legal protection solely in the form of legal advice) 19
1.5.2.2. legal advice related to movables – Level B (legal protection) 49
1.5.2.3. legal advice related to movables and matters arising from contractual legal relationships (i.e. "services") – Level A+ (legal protection solely in the form of legal advice) 39
1.5.2.4. legal advice related to movables and matters arising from contractual legal relationships (i.e. "services") – Level B+ (legal protection) 69
1.5.3. Assistance services for motorists
1.5.3.1. within ČR – Level A 19
1.5.3.2. within ČR and assistance services for households – Level A+ 29
1.5.3.3. within Europe – Level B 29
1.5.3.4. within Europe and assistance services - Level B+ 39
1.5.4.Travel insurance
1.5.4.1. travel insurance for the Account Holder/Joint Account User – lower indemnity limit – Level A 35
1.5.4.2. travel insurance for the Account Holder/Joint Account User and other co-insured persons – lower indemnity limit – Level A+ 55
1.5.4.3. travel insurance for the Account Holder/Joint Account User – higher indemnity limit – Level B 55
1.5.4.4. travel insurance for the Account Holder/Joint Account User and other co-insured persons – higher indemnity level – Level B+ 85
1.5.5.
1.5.5.1. Accident insurance of hospitalisation (any cause) and permanent consequences of injury – lower indemnity limit - Level B 49
1.5.5.2. Accident insurance of hospitalisation (any cause) and permanent consequences of injury - higher indemnity level - Level B+ 129
1.6. Personal Account Student, Personal Account Junior monthly fee *)
1.6.1.Products and services provided free of charge and included in the Česká spořitelna Personal Account Student, Personal Account Junior monthly fee
1.6.1.1.giro account maintenancefree of charge
1.6.1.2.issue of monthly statement ( account statement series) free of charge
1.6.1.3.deposit account administration and maintenancefree of charge
1.6.1.4.standing payment order/collection permit set-upfree of charge
1.6.2.Standard Products and Services
1.6.2.1.Standard I: 0 to 1 product/service Standard

0

1.6.2.2.Standard II: 2 to 3 products/sesrvices Standard

0

1.6.2.3.Standard III: 4 to 6 products/services Standard

40

1.6.2.4.Standard IV: 7 to 9 products/services Standard

80

1.6.2.5. 10 th and every other single product/service Standard 20
1.6.3.Plus Products and Services
1.6.3.1.Plus I: 1 to 2 Plus products/services159
1.6.3.2.Plus II: 3 to 4 Plus products/services289
1.6.3.3.Plus III: 5 to 6 Plus products/services389
1.6.3.4.7th and each additional Plus product/service 80
1.6.4.Program výhod - Personal Account Student, Personal Account Junior monthly fee discount **)
1.6.4.1.Actice account

10% discount on Personal account Student monthly fee

1.6.4.2.Active account and Cretit turnover on Personal account minimum 5 th.CZK or Active account and Total balance over 60 th. CZK 25% discount on Personal account Student mothly fee
1.6.4.3.Active account and Cretit turnover on Personal account minimum 10 th.CZK or Active account and Total balance over 100 th. CZK 50% discount on Personal account Student mothly fee
1.6.4.4.Active account and Cretit turnover on Personal account minimum 15 th.CZK ***) or Active account and Total balance over 200 th. CZK 75% discount on Personal account Student mothly fee
1.6.4.5.Active account and Cretit turnover on Personal account minimum 20 th.CZK ***) or Active account and Total balance over 1 mil. CZK 75% discount on Personal account Student mothly fee
1.7. Products and Services Special provided to the Personal Account Student, Personal Account Junior - the fees are charged separately
1.7.1.Insurance of ability to pay regular expenses (from 18 years of age)
1.7.1.1.insurance for the event of death, disability or incapacity for work – Insurance Set A 49
1.7.1.2.insurance for the event of death, disability or incapacity for work – Insurance Set A+99
1.7.1.3.insurance for the event of death, disability, incapacity for work or loss of employment – Insurance Set B 99
1.7.1.4.insurance for the event of death, disability, incapacity for work or loss of employment – Insurance Set B+ 169
1.7.2.Legal Protection Insurance (from 18 years of age)
1.7.2.1.legal advice related to movables – Level A (legal protection solely in the form of legal advice) 19
1.7.2.2.legal advice related to movables – Level B (legal protection) 49
1.7.2.3.legal advice related to movables and matters arising from contractual legal relationships (i.e. "services") – Level A+ (legal protection solely in the form of legal advice) 39
1.7.2.4.legal advice related to movables and matters arising from contractual legal relationships (i.e. "services") – Level B+ (legal protection) 69
1.7.3.Assistance services for motorists (from 18 years of age)
1.7.3.1.within ČR – Level A19
1.7.3.2.within ČR and assistance services for households – Level A+ 29
1.7.3.3.within Europe – Level B29
1.7.3.4.within Europe and assistance services - Level B+39
1.7.4.Travel insurance
1.7.4.1.travel insurance for the Account Holder/Joint Account User – lower indemnity limit – Level A 35
1.7.4.2.travel insurance for the Account Holder/Joint Account User and other co-insured persons – lower indemnity limit – Level A+ (from 18 years of age)55
1.7.4.3.travel insurance for the Account Holder/Joint Account User – higher indemnity limit – Level B 55
1.7.4.4.travel insurance for the Account Holder/Joint Account User and other co-insured persons – higher indemnity level – Level B+ (from 18 years of age)85
1.7.5. Accident insurance
1.7.5.1. Accident insurance of daily compensations for injury treatments, hospitalisation (any cause) and permanent consequences of injury - lower indemnity limit - Level A (till 17 years of age) 49
1.7.5.2. Accident insurance of daily compensations for injury treatments, hospitalisation (any cause) and permanent consequences of injury - higher indemnity level - Level  A+ (till 17 years of age) 129
1.7.5.3. Accident insurance of hospitalisation (any cause) and permanent consequences of injury – lower indemnity limit - Level B (from 18 years of age inclusive) 49
1.7.5.4. Accident insurance of hospitalisation (any cause) and permanent consequences of injury - higher indemnity level - Level B+ (from 18 years of age inclusive) 129

*) The monthly fee applicable to the Česká spořitelna Personal Account, Personal Account Student and Personal Account Junior is charged based on the number of Standard and Plus products and services agreed in connection with the Česká spořitelna Personal Account in accordance with the above specified price ranges. When combining Standard and Plus products and services, the fees determined according to the price range achieved are added up. In case the number of purchase products changes in the course of a calendar month, the fee determined according to the highest price range as achieved by the client in the particular month is charged. If no Standard products/services are arranged to the Česká spořitelna Personal Account, Personal Account Student, Personal Account Junior the monthly fee applicable to the Standard I range is charged.
**) The discount is applied to one client account, however maximally up to 9 Standard products and services (Tier Standard IV) and 6 Plus products and services (Tier Plus III). Complete terms of discounts applied to products and services are contained in the document “Benefit Program Rules” available at www.csas.cz

***) Discount 75% and 100% could be for Personal Account Junior got based on total balance only

Standard Products and Services

  • Overdraft ... Arrangement (opening) of loan on a Giro account (overdraft) for an indefinite period; administration and maintenance of loan on a Giro account (overdraft) for an indefinite period – on a monthly basis. Not provided to Personal Account Student (clients till 17 years of age inclusive) and to Personal Account Junior
  • Debit Cards .... Maestro, Visa Electron, Visa Classic Partner, MasterCard Standard Partner, (-).
  • SERVIS 24 ... Service set-up, monthly fee. Not provided to Personal Account Junior
  • Withdrawal Set No. 1 – Withdrawals from Česká spořitelna ATMs free of charge ...Cash withdrawals using debit and charge cards issued by Česká spořitelna, a.s. from ATMs of Česká spořitelna
  • Withdrawal Set No. 2 – Balance SMS free of charge
  • Withdrawal Set No. 3 – Payments within Česká spořitelna free of charge ... Only the below specified transactions made within Česká spořitelna, a.s. in CZK: Payment order acceptance (accounting entry) through SERVIS 24 direct banking (Telebanking – automated voice service, Internetbanking, GSM banking), through Česká spořitelna ATMs; standing payment order execution (accounting entry); incoming non-cash payment (accounting entry).

Plus Products and Services:

  • Withdrawal Set No. 4 – Payments within the Czech Republic free of charge ... Below specified transactions made within Česká spořitelna, a.s. and/or to another bank in the Czech Republic in CZK: Payment order acceptance (accounting entry) through SERVIS 24 direct banking (Telebanking – automated voice service, Telebanking – telephone banker, Internetbanking, GSM banking), through Česká spořitelna ATMs, by mail, through a collection box, at the bank counter, standing payment order/collection permit/SIPO execution (accounting entry); incoming non-cash payment (accounting entry); B postal order payment (except for fees added based on the services provided Česká pošta, s.p. (Czech Post, state enterprise); interbank payment clearance through the CNB clearing centre (accounting entry).
  • Visa Gold Partner … international embossed debit card
  • MasterCard Gold Partner … international embossed debit card
  • Savings Plan ... Special interest

2.  Programs for Private Clients

ItemTextPrice (CZK)
2.1. Program set-up

free of charge

2.2. Change to another program

free of charge

2.3. Program cancellation

free of charge

2.4. Program management - monthly
2.4.1. X Account****) 3 )

free of charge

2.4.2. Student+ Program 2 )

free of charge

2.4.3. Benefit Program 1) 45
2.4.4. Comprehensive Program 1) 90
2.4.5. Exclusive Account 330
2.4.6. Senior Account 1) 25

****) Valid for Xtra Accounts opened by or before 30 September 2006
1 ) New accounts are not opened as of 8 August 2007
2 ) New accounts are not opened as of 2 February 2009

2 ) New accounts are not opened as of 31 October 2009

3. Other programs products

Products and services provided free within programs X account ****) 4 ) Student+ 3 ) Benefit program 1 ) Comprehensive program 1 Exclusive account Senior account 1 )
Giro account (maintenance) YES YES YES YES YES YES
Current account in foreign currency NO NO NO NO YES NO
Statements 
Statement issuing ( account statement series) YES YES YES YES YES NO
Postage  NO NO NO NO YES NO
Cards
Number of cards free of charge  1 1***) 1*) 2 2 1
From a selection of cards
electronic debit
or credit card
Junior X account only YES YES YES YES debit card only
embossed debit
or credit card
NO NO NO YES YES NO
golden card NO NO NO NO YES NO
Number of cash withdrawals by debit card from Česká spořitelna ATMs  2 0 2 5 10 1
Direct banking NO YES YES YES YES NO
Number of electronic transaction executed via SERVIS 24 (telebanking-automated voice service, Internetbanking, GSM banking) 0 0 2 5 10 0
Loan limit on Giro account (Overdraft) NO YES YES YES YES NO

*) Free issue of second card during 1st year
**) Only one card of this type is provided free of charge to the package
***) An additional credit card from 18 years of age
****) Valid for Xtra Accounts opened by or before 30 September 2006
1 ) new accounts are not opened as of 8 August 2007
2 ) electronic statement is not supported
3 ) new accounts are not opened as of 2 February 2009

3 ) new accounts are not opened as of 31 October 2009

4.  Giro account and Current account in foreign currency *)

ItemTextPrice (CZK)
4.1. Account opening free of charge
4.2. Transfer of account to another branch free of charge
4.3. Closing of account free of charge
4.4. Account maintenance – monthly fee
4.4.1. without direct banking services 20
4.4.2. fee after discount to clients using direct banking services free of charge

*) Investment Blocking Account and Investment account in CZK and foreign currency– free of charge

5.  Deposit accounts and Perfect deposit of Česká spořitelna

ItemTextPrice (CZK)
5.1. Deposit account opening and maintenance free of charge
5.2. Change of client disposition in relation to principal and/or interest transfer free of charge

6. Sikovne sporeni / Sikovne sporeni Plus

ItemTextPrice (CZK)
6.1. Account opening free of charge
6.2. Account maintenance - monthly fee free of charge
6.3. Closing of account free of charge

7.  Savings books

ItemTextPrice (CZK)
7.1. Savings book set-up and maintenance  free of charge
7.2. Termination of savings book upon the termination of the deposit relationship free of charge
7.3. Set-up, change, and termination of immobilization (with the exception of immobilization approved by the court) 100
7.4. Execution of prohibition of payment from savings book upon the depositor's request 300
7.5. Payment of deposit from lost savings book, provided that amortisation proceedings were not performed 50
7.6. Performance of amortisation proceedings 2% from amount of sinking deposit, minimum 50 maximum 1,000
7.7. Payment of balance of terminated deposit account, confirmed by or before 31 December 2002 by a bearer savings book 100

8.  Expat Centre Programs

ItemTextPrice (CZK)
8.1. Program set-up free of charge
8.2. Change to another program free of charge
8.3. Program cancellation free of charge
8.4. Program maintenance – monthly fee
8.4.1.World Class

390

8.4.2.World Class Elite*)

660

*) New accounts are not opened as of 1 February 2008

9.  Statements

ItemTextPrice (CZK)
9.1. Issue of regular statement ( account statement series)
9.1.1. Giro accounts
9.1.1.1. weekly, monthly 5
9.1.1.2. quarterly 12
9.1.1.3. biannual - electronic only 24
9.1.1.4. annual - electronic only 48
9.1.2. Current accounts in foreign currency
9.1.2.1. daily, weekly, decade, monthly 5
9.1.2.2. quarterly 12
9.1.2.3. biannual 24
9.1.2.4. annual 48
9.1.3.Sikovne sporeni / Sikovne sporeni Plus
9.1.3.1.monthly5
9.1.3.2.quarterly

12

9.1.3.3. biannual 24
9.1.3.4.annualfree of charge
9.2. Preparation of a regular monthly account statement to be delivered according to the agreed delivery manner for account statement series
9.2.1. through SERVIS 24 Internetbanking free of charge
9.2.2. at the branch to be collected in person 45
9.3. Sending of account statement  by mail to the address agreed postage
9.4. Issue of turnover statement 30
9.5. Issue of copies of each statements ( account statement series), payment transaction information 75

10.  Common items

ItemTextPrice (CZK)
10.1. Notice for settlement of debit balance and non covered payments
10.1.1. Giro accounts and Current accounts in foreign currency
10.1.1.1. 1st notice 300 + postage
10.1.1.2. 2nd notice or notice 31 to 60 days after maturity 300 + postage
10.1.1.3. 3rd notice or notice 61 and more days after maturity 300 + postage
10.2. Limitation of disposal with funds in account 150
10.3. Account balance information via SMS 1.50

The account maintenance fee is payable irrespective of the fact whether the account is terminated before the expiry of the term as specified in the List of Charges.

For foreign currency accounts prices are shown in CZK but they are collected in respective foreign currency equivalent. A price which corresponds to its maximum/minimum amount or a fixed price is converted against the rate of the Czech National Bank valid on the fee maturity/charge date. Prices charged as a percentage rate are converted against the trading rate of ČS, a.s. valid on the transaction maturity /fee charge date

Apart from the fees for services specified in the List of Charges, also 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, a.s. 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 20 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

 
Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 31.10.2009 to 30.06.2010. Currently valid versions of the List are available at another part of our web.

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