You pay no account maintenance fee. Incoming and outgoing payments are also free of charge. You also pay no fee for withdrawals from our more than 1600 ATMs, the greatest number operated by any bank in the Czech Republic.
Smart online overview
Thanks to internet banking, you always have a perfect overview of your finances whenever you feel like it. Two-thirds of our clients save up to CZK 500 per month thanks to this service.
Comfort and availability
We have the widest branch network of any bank, which means your banker is always nearby. You can also manage your account from anywhere in the world through our online banking service.
Is your account at a different bank and you’d like to move it to Česká spořitelna?
The more you use the My Healthy Finances service, the less you pay
Fee with both bonuses:
Fee with one bonus:
Fee with no bonuses:
Bonus for using your account You deposit at least CZK 7 000 into your account each month and make at least one payment with your card.
Bonus for using other Česká spořitelna services You use one of our other products.
What does the My Healthy Finances service include?
Personal banker services
Someone who knows your actual situation is there to help you. Your banker will always find the right solution to meet your needs and expectations. You now have someone you can turn to and trust whenever the need arises.
Savings on expenditures
The My Healthy Finances service gives you a smart overview of your expenditures, so you see exactly where your money goes most often. Set up your account and services correctly, and you will be in a good position to find out where and how to save.
Perhaps you’re paying more than you should. We can arrange better prices with our partners and help you reduce your utility bills. You will save more and without unnecessary commitments.
Two accounts free of charge
We’ll give you one account with the My Healthy Finances service and a second one for free as a gift. You can either keep it for yourself or give it to someone you know – perhaps to someone who would like their finances to be as healthy as yours.
Why do I have to have an account to make use of the My Healthy Finances service?
If you don’t have an account, we can’t provide complete advisory. Only by seeing your transactions can we sort them, and you don’t have to do any home accounting.
I would like to transfer my account to Česká spořitelna. What should I do?
Transferring your account to us is easy and you don’t have to deal with any red tape: we’ll do everything for you.
Visit one of our branches. You don’t need to inform your bank that you are closing your account: we will make all the arrangements on your behalf.
We will fill in the Payment Account Change Request together.
We will get in touch with your bank and arrange all the necessary changes. We will transfer your standing orders, direct debit authorisations and SIPO (direct debit of multiple payments).
Inform any parties you need to that your account has changed.
The process takes 13 business days to complete.
What do you need to open an account?
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.
Are bank statements free of charge?
Yes, electronic statements are free of charge.
How does the loyalty bonus work?
You will receive the loyalty bonus if you:
use one of our following products: a supplementary annuity scheme, supplementary retirement savings or FLEXI life insurance;
make regular investments and timely loan, car, mortgage, building savings or credit card repayments;