Account for Students

„I like to carry money around in my pockets, but it’s better in an account where it won’t fall out accidentally.“

Regular transactions free of charge

You pay no fees for withdrawals or incoming and outgoing payments. A host of other services are also free of charge.

My Health Finances free for two years

Once you hit 27, the My Healthy Finances service will be added to your account.

Only one confirmation of study o studiu

If you are 21 or older, you only need to submit a confirmation of study once.

So that you have more for what you want

Incoming payments CZK 0
Outgoing payments submitted electronically CZK 0
Withdrawals from ČS ATMs CZK 0
Monthly account maintenance fee CZK 0

Up to the age of 26 the account is free. If you are 21 or older you only need to show your confirmation of study.

Additional services you can purchase

25 information text messages CZK 25 per month
Issuance of a second Visa Classic debit card CZK 25 per month
All withdrawals from ATMs abroad
(Erste Group ATMs – FREE; other ATMS – CZK 40)
CZK 25 per month
Discounted foreign payments in EUR
(two incoming SEPA/cross-border payments in EUR up to EUR 50 000 FREE OF CHARGE; outgoing payments for CZK 30)
CZK 25 per month
Multi-currency feature for card CZK 25 per month
Travel insurance for account CZK 35 per month

Tip: If you are studying abroad, our foreign currency account with the multi-currency function for your card could be a good choice for you.

Access your account from anywhere in the world, 24/7

Internetové a mobilní bankovnictví
  • Internet banking
    You can make payments and manage your spending anytime, anywhere.
  • Mobile banking
    You can manage your account from your mobile phone.
  • Friends24 app
    It will help you to pay back your friends easily even if you don’t know their account numbers.
  • Savings envelopes under ČS Savings from the age of 18
    They will help you increase your savings.

Debit card or sticker depending on your needs

  • Contactless payments
  • Secure online payments
  • The most-accessible ATM network for deposits and withdrawals
  • Easy withdrawals with sticker at shops
    Cashback up to CZK 1500 upon a minimum payment of CZK 300
  • Choose an original look for your card


Debetní karta a nálepka

Tip: Do you need emergency funds on hand but you don’t have any savings? With us, you can have a negative balance on your account. 

Set up an account today

Zavoláme vám

At a branch

Search for Česká spořitelna branch in your area.

Other accounts that may be of interest to you

Frequently asked questions

When opening an account at a branch, all you need to have with you is a piece of valid identification, such as your personal ID card. If you open your account online, you will need two pieces of valid identification and an account. 

Yes, electronic statements are free of charge.

The best way to get the confirmation to us is to send it electronically:

Of course, you can bring the confirmation to any of our branches 

Are you 21-25 years old and a full-time student at an institute of higher education (vocational school, language school or university) in the Czech Republic or abroad? Send us one valid confirmation that you are studying at a local or foreign school (Czech citizens) or a local school (foreigners). You can send the confirmation to us no sooner than three months prior to your 21st birthday. If you send the confirmation after your 21st birthday, the special fees will only begin to apply from the day you submit the confirmation.

Important documents

Česká spořitelna
Bankovnictví budoucnosti.