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Osobní finance

Private individuals - IV. Card services

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.  Credit cards of Česká spořitelna

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.08.2012 to 31.08.2012. Currently valid versions of the List are available at another part of our web.

1.1. Issue, change, cancellation

  Reward Credit card World Credit Card Česká spořitelna Cool Card*) Česká spořitelna Penzijní karta**)
Issue/change of credit limit   free of charge free of charge free of charge free of charge
Change from other credit card free of charge free of charge x
Cancellation free of charge free of charge free of charge free of charge
*) Česká spořitelna Cool Card not issued as of 17 August 2012
**) Česká spořitelna Penzijní karta not issued as of 23 June 2012

1.2.  Services free of charge (in monthly fee)

  Reward Credit Card World Credit Card Česká spořitelna Cool Card Česká spoořitelna Penzijní karta
Lowest price guarantee   free of charge x
Purchase protection in the event of damage or theft   free of charge x
Round-the-clock account access via direct banking (upon request)   free of charge free of charge free of charge free of charge
Issue of monthly account statements   free of charge free of charge free of charge free of charge
Bonus remitted to the Pension Fund of Česká spořitelna *) free of charge free of charge free of charge
P10 (insurance cover up to CZK 10,000)   free of charge
Balance SMS  free of charge

*) A bonus for payments by card:

  • Reward Credit Card: 1% on card payments (the maximum is CZK 350 for the given cycle) to a chosen retirement benefit scheme account hled with Penzijní fond České spořitelny, Stavební spořitelna České spořitelny or card account (of particular credit card) or points for card payments and their exchange for reward in Bonus program (1 point per each 15 czk spent)
  • World Credit Card: 1% on card payments (the maximum is CZK 350 for the given cycle) to a chosen retirement benefit scheme account hled with Penzijní fond České spořitelny, Stavební spořitelna České spořitelny or card account (of particular credit card) or points for card payments and their exchange for reward in Bonus program (1 point per each 10 czk spent)
  • Česká spořitelna Penzijní karta:  2% on card payments to a chosen retirement benefit scheme account held with Penzijní fond České spořitelny settled in a monthly cycle, the maximum is CZK 300 for the given cycle

A bonus is calculated from non-cash payments made by card in monthly cycle (the amount is rounded to whole crowns).  The decisive date for a bonus to be paid for the given accounting cycle is the transaction settlement date, not the payment date.

1.3.  Card account administration and maintenance – monthly fee

  Reward Credit Card World Credit Card
Card account administration and maintenance – monthly fee 39 59
  Česká spořitelna Coll Card - standard price  Česká spořitelna Cool Card - price for students  Česká spořitelna Penzijní karta*)
Band I: 0 up to 1 service   19
Band II: 2 up to 3 services 49 30 
Band III: 4 up to 5 services   69 50 
Band IV: 6 up to 7 services   89 70 
Card account administration and maintenance – monthly fee  49
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 - Česká spořitelna Cool Card:

  • 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.
  • Česká spořitelna Cool Card bonus remitted to the Building society of Česká spořitelna: The bonus for paying with the Česká spořitelna Cool Card bonus may be remitted to selected supplementary building saving account maintained by the Building society 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. Interests and fees accrued during repayment holidays will be charged along with the next regularly scheduled Total Minimum Payment

1.4.  International embossed MasterCard Issue/Use – Annual Fee

  Reward Credit Card  World Credit Card  Česká spořitelna Cool Card  Česká spořitelna Penzijní karta
Basic card   free of charge free of charge 199
Gallery card – selection from the image gallery   free of charge 349
Own card – own image on card   free of charge 349
Gold card – card with prestigious appearance   899
International embossed MasterCard Issue/Use – Annual Fee   349 *)
the same fee for supplementary card is charged
*) free of charge in case of monthly turnover higher than 60,000 CZK/year

1.5.  Additionally Purchased Services - the fees are charged separately

  Reward Credit Card World Credit Card Credit Card Kredit+ 
Balance SMS  10 free of charge 10
Repayment holidays 10 10 10
Extended guarantee 15 15 15
  Reward Credit Card, World Credit Card, Česká spořitelna Cool Card, Česká spořitelna Penzijní karta**)
Repayment of whole amount – automatic setting of 100% collection of the total drawn amount – monthly fee   29
Insurance   see Optional insurance to international cards

1.6.  Special Drawing Methods

  Reward Credit Card, World Credit Card, Česká spořitelna Cool Card, Česká spořitelna Penzijní karta, Credit card Kredit+
Card loan – withdrawal of funds in cash or non-cash transfer   290
Transfer of card to Česká spořitelna – repayment of liabilities arising from withdrawals from a credit card of another issuer by the credit card 2.97% from the refinanced amount
Instalment programmes - funds withdrawal  free of charge
Instalment programmes - early termination fee  500

2.  Other card types

2.1.  International debit cards

  VISA ELECTRON VISA CLASSIC VISA GOLD
Card issue/use – annual fee Issued only to Personal Account Junior 400 Issued only to Personal Account
If issued to Personal Account, the card fees are contained in the Personal Account´s monthhly fee

2.2.  International prepaid (electronic) cards

  MAESTRO prepaid - basic,
MAESTRO prepaid - supplementary card  
Card issue/use – annual fee   230

2.3.  Cards with suspended issuance or card use

Debit cards  JUNIOR X account (ATM card)  VISA ELECTRON Student+,
MAESTRO UK Student+  
VISA ELECTRON, MAESTRO   MasterCard STANDARD, MasterCard STANDARD UK MasterCard GOLD VISA Gold Exclusive
Annual fee  free with X konto *) free with Student+ Program 200 400**) Only to Personal account 3,700
*) valid for Xtra Accounts opened by or before 30 September 2006
**) STANDARD 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).
Credit and charge cards  Kredit+
Monthly fee 10

3.  Optional insurance to international cards

3.1.  Travel insurance – annually

   
Comfort – cardholder insurance   300
Comfort Family – additional insurance of family members   450
Gold Family – additional insurance of family members to Gold cards (+1 adult and 3 children) 1,500
Not arranged with the Česká spořitelna Cool Card, Česká spořitelna Penzijní karta. From April 1 st 2008 new insurance is not attached to cards issued under Osobní účet České spořitelny. “Gold” cards may newly contain only Gold Family insurance

3.2.  Card and personal belongings insurance – annually

  World Credit Card  Other card types 
P10 (insurance cover up to CZK 10,000)   free of charge in monthly fee 170
P30 (insurance cover up to CZK 30,000)   150 320
P60 (insurance cover up to CZK 60,000)   310 480
P90 (insurance cover up to CZK 90.000) 610 780

3.3.  Insurance of ability to repay with credit cards – monthly fee

   
Types of insurance A – incapacity for work, disability, death   0.49% from the outstanding amount at the end of the accounting cycle
Types of insurance B – incapacity for work, disability, death, job loss   0.89% from the outstanding amount at the end of the accounting cycle
*) 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

4.1.  Services available at ATMs

  ATM of Česká spořitelna  ATM of other bank 
Account balance query at ATMs free of charge 20
Card transaction limit inquiry at ATMs free of charge
PIN change at ATMs of Česká spořitelna, a.s.   6

4.2.  Card account statement

  Via SERVIS 24 Internetbanking   By mail  At the branch to be collected in person 
Regular statement  free of charge free of charge + postage 45
Extraordinary statement upon the client's request  30 + postage

4.3.  Change of transaction limits

  At the branch, via SERVIS 24 Telebanking, via Infoline ČS Via SERVIS 24 Internetbanking 
Card locking/unlocking   30 6
Changing card transaction limits   30 6

4.4.  Sending of card, PIN/express debit card issue

   
Sending of international payment cards by mail to the client´s address in the CR   free of charge
Sending of international payment cards abroad by means ofmessenger services   3,000 in addition to the card fee
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
Sending of PIN to payment cards 
  • via SMS to mobile phone
  • by post
free of charge

4.5.  Card Blocking

   
Blocking execution upon client´s request   free of charge
Blocking recall   free of charge

4.6.  Sending of demand for payment/fee in the event of default in the payment of the prescribed amount to credit card account

   
Failure to meet the maturity of credit card 250
Defaulted client administration 300
Sending of reminder notice  postage
*) Depending on the length of default may be a fee charged repeatedly

4.7.  Emergency services (for embossed cards)

   
Issue of duplicate card with limited validity abroad (Emergency Card)   3,000
Payment of emergency cash advance abroad (Emergency Cash Advance)   3,000

4.8.  Other Items

   
Your own special card – placing image (design) on debit payment card 190
Resending of PIN by registered letter with personal delivery – for all card types    100
Resending of PIN by registered letter with personal delivery – for all card types  
  • electronic
  • embossed
  • when agreeing a Sphere Card Bonus Program to the Cool Card of Česká spořitelna
  • when terminating the Sphere Card Bonus Program or changing card image (design) to the Cool Card of Česká spořitelna
     
200
A price for the “Karta podle Vás” service is charged upon each card issuance within the agreed term of service duration. In addition to the “Karta podle Vás” service fee a price will be charged according to the valid List of Tariffs and Fees for each new card issuance or substitute card generation. New cards issued to Personal Account of Česká spořitelna are issued for free

Since 1st October 2011 change of naming from Česká spořitelna Cool card Plus to Česká spořitelna Penzijní karta. No change in parameters and rules for card´s usage

Prices are quoted in CZK

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 1 August 2012 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 27 July 2012

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 01.08.2012 to 31.08.2012. Currently valid versions of the List are available at another part of our web.

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