Basic Account

„I don’t want a complicated account. And even better if it’s free.“

24/7 access to your account

You can manage your account from anywhere and at any time with SERVIS 24.

Free debit card

The contactless Visa Classic card is a convenient way to pay at home and abroad.

Free incoming payments

All payments that are received to your account are free of charge.

The monthly account maintenance fee is CZK 0

Outgoing payment within ČS CZK 5
Outgoing payment outside ČS CZK 7
Withdrawal from ČS ATM CZK 5
Overdraft CZK 25

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
(z bankomatů Erste Group zdarma; z ostatních 40 Kč) 
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
Travel insurance for account starting at CZK 35 per month

Are you planning to use your account actively and would like to have constant control over your spending? Consider opening an account with the My Healthy Finances service.

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

Internetové a mobilní bankovnictví
  • Internet banking
    You can make paymentsand manage your spending anytime, anywhere.
  • Mobile banking
     You can manage your spending anytime, anywhere.
  • Friends24 app
    It will help you to pay back your friends easily even if you don’t know their account numbers.

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

Set up an account today

Zavoláme vám

By telephone

Leave your contact details and we'll call you as soon as possible.

Zavoláme vám

At a branch

Search for Česká spořitelna branch in your area.

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Frequently asked questions

Transferring your account to us is easy and you don’t have to deal with any unnecessary 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 consents 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.

Have a look at what else you should remember when changing your bank.

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.

Important documents

Česká spořitelna
Bankovnictví budoucnosti.