The sum will be credited to your account according to the conditions of Czech Post within three business days after the deposit at the latest.

The bank reimburses one conducted cash deposit to the client with CZK 47 monthly. The sum will be retroactively credited to the client´s account. To this end, the client fills in the postal order with variable symbol 111.

The deposit is charged according to the Price List of Czech Post and is to be paid by the client on site in cash.

Fill in a postal order A using instructions on our website in Documents centre.

You can also deposit CZK at all Czech Post branches, but you can have it credited to any of your Equa bank account. In the case of conversion, the amount will be converted at the foreign exchange rate.

Apart from setting-up an Overdraft, you can also increase or decrease the limit and terminate the Overdraft online. Free of charge, easily and in a matter of minutes.

You must be at least 18 years old and have a steady income – that is all we need. 

You may easily apply for a new payment card in your internet banking in the Cards – Card Settings – Change Card section. As a Reason select Change Card Type. You can also reissue the card in mobile app. The change of payment card as well as its dispatch is free of charge.

The issuance and maintenance of standard debit card is free of charge. If you choose gold card there is a maintenance fee according to your chosen type.

The standard letter with a card sent via Czech Post is standardly delivered within 7 business days to the client’s post box at the correspondence address (the term is counted since the day in which you received an SMS with information about issuing of the card). 

Should the Czech Post not be able to deliver it, it will return the letter to us during another 7 business days. If you receive an SMS with information that the card was returned to the sender or you do not received neither the SMS, nor the card within 14 business days since the issuing day, please contact us on the customer service telephone line stated below. 

First of all block your card (at least temporarily). If it possible, try to contact the merchant and ask them why they charged your card. In case there is no way to solve the issue directly with the merchant, submit the form Cardholder declaration of disputed transaction. You may also call us on customer service line +420 222 010 222 so we can advise the best possible solution.

We take care of card replacement. A month before card expiration you will receive an SMS notification. Your new card will be issued and send to you correspondence address time ahead.

In case of loss or theft, you can block the card through your internet banking, mobile app, or immediately contact our Customer Service at +420 222 010 222.

The PIN code may be changed anytime in your Internet banking or in mobile application in your card’s detail. When changing the PIN, it is necessary to confirm it with an authorisation SMS code. The change via mobile app needs to be confirmed by the app’s passcode. After the PIN change, it is necessary to make a contact transaction (via the card’s chip, not contactless). 



You may change the PIN code to any PIN code you want, even one you had set in the past or one which is set in the system currently.

You can change the partial limits in your internet, mobile or telephone banking. Total limit can be changed only in the internet banking.

Send the completed claim form Cardholder declaration of disputed transaction, which you will find at the website, to the e-mail customer.service@equabank.cz or submit it at one of our branches. The claim will be processed within 35 days and you will be informed within 15 days about progress of the solution.

You can use your card abroad just like you do within Czech Republic. Only make sure the disposal balance at current account and card limit are sufficient for the transaction. If you plan a travel abroad, let us know you are leaving (especially to where and for how long) on e-mail: customer.service@equabank.cz.

This payment card enables you to make both standard payments (by inserting the card in a terminal) and contactless payments (by holding the card over a terminal). The card also enables standard cash ATM withdrawals. You may also pay on the internet or add the card to device with NFC.

Google Pay is a service that enables payments in shops just by tapping the payment terminal with a mobile device using the Android operation system and the NFC technology.

Payments made with a mobile device are very easy and convenient. 

A mobile phone with the Android operation system version 5.0 or higher and with the NFC (Near Field Communication) technology. Also your Equa bank payment card needs to be registered in the Google Pay mobile app, which you can download from Google Play into your mobile phone. In order to make safe payments, it is necessary to set the screen lock on your phone.

For payments up to CZK 500 it is needed to turn on the screen of your mobile device and then tap the payment terminal with it. For payments exceeding CZK500 it is needed to unlock the screen of the mobile device, tap the payment terminal with the device and wait until the payment has been processed.  Subsequently the confirmation of your transaction will be displayed on the screen of your device.  In some cases you might be prompted repeatedly to unlock your phone for enhanced security reasons.

Make sure that a) the card you are adding is a payment card issued by Equa bank, b) you are connected to the internet, c) your mobile device supports the NFC technology and has the Android operation system version 5.0 or higher installed.

In Wallet, choose the card and tap the button (three dots) in the upper right corner. This takes you to Card details, go to the Transactions tab, and turn off Notifications there. Or in Settings on your phone, go to the Wallet app and Apple Pay and select your card. This takes you to Card details, go to the Transactions tab, and turn off Notifications there.

To use Apple Pay, you need to authorize each card with Touch ID, Face ID or your passcode. To remove the card from the lost/stolen device contact our customer service line +420 222 010 222 or visit your Apple ID account page. For more information click here. If the card is lost or stolen, block it immediately in your internet banking, mobile application or call our customer service. Once the card is blocked, it is not possible to use it for payment with mobile phone.

Díky RPSN (roční procentuální sazbě nákladů) můžete přesněji porovnat výhodnost různých úvěrů, protože je v ní zahrnuta nejen úroková sazba, ale i všechny poplatky, které jsou s úvěrem spojené a dále také to, jak dlouho a v jakých intervalech je daný úvěr splácen.

U našich půjček nejsou žádné poplatky a přesto je RPSN vyšší než úroková sazba. To právě díky tomu, že naše půjčky jsou spláceny měsíčně. 

Díky RPSN (roční procentuální sazbě nákladů) můžete přesněji porovnat výhodnost různých úvěrů, protože je v ní zahrnuta nejen úroková sazba, ale i všechny poplatky, které jsou s úvěrem spojené a dále také to, jak dlouho a v jakých intervalech je daný úvěr splácen.

U našich půjček nejsou žádné poplatky a přesto je RPSN vyšší než úroková sazba. To právě díky tomu, že naše půjčky jsou spláceny měsíčně. 

Banky jsou povinné každý měsíc aktualizovat v úvěrových registrech stav všech existujících úvěrů. Součástí informací o stavu je i výše aktuálně zaplacené měsíční splátky. V registrech tedy bude uvedeno, že uhrazená splátka je nižší než sjednaná. Část finančních institucí si toto snížení může vykládat negativně. I tak je však informace o nižší uhrazené splátce vnímána výrazně pozitivněji než informace o splátce úplně odložené nebo dlužné.  Neuhrazené splátky často vedou k zamítnutí dalších žádostí o úvěr.

• Choose a suitable instalment date. The best date is four days after your paycheck is deposited to your account. You’ll have money available for the instalment even if your paydate falls on a weekend or a holiday. You can make the change free of charge in your Internet banking or by calling our Client hotline at 222 010 222.


• Keep an eye on transfers. If your paycheck or other source of income is not deposited to an Equa bank account, i.e. you transfer the money for the instalment from another bank, set up a standing order – you won’t have to worry about it and you’ll minimize the risk of forgetting a transfer.


• Allow for extra time. If you use the postal service to send money for instalments, put in the order several days before the instalment date because this service often takes much longer than a bank transfer.


• Consider the instalment amount. When you take out a loan, set the instalment amount so that at least 20% of your monthly income is left on your account after subtracting your reoccurring and regular expenses, including the instalment.


• Consider repayment insurance, particularly for larger loans and mortgages. It can help you out if you suddenly lose your job, have an unexpected injury or experience a long-term illness https://www.equabank.cz/en/loans/loan/insurance and https://www.equabank.cz/en/mortgages/purpose-mortgage/insurance

• The fastest way to reduce the reoccurring burden on your family budget is to extend the loan maturity period, which lowers the monthly instalment amount. Just call our Client hotline at 222 010 222. Extending your maturity period is free. But we should point out that the total amount to be repaid will be higher with a longer maturity period.


• If your situation is more serious, you can request a temporary repayment postponement. Requests are assessed on a case-by-case basis and request processing is free. However, these operations are reported to the CBCB – the Czech Banking Credit Bureau – and may lower a client’s creditworthiness in the future.

• We understand that you’re in a difficult situation and we know that it can happen to anyone. If you fall into debt to Equa bank, it is always a good idea to begin dealing with the situation pro-actively with the operators in our receivable management department. They are available on weekdays from 8 a.m. to 7 p.m. at 222 010 010 or via e-mail at sprava.pohledavek@equabank.cz. We work with you to find and agree on a solution that works for both parties. 


• If you are late paying an instalment, we first send you a free warning (by text message, e-mail or phone). At that point you can still pay the debt without incurring any penalties.


• Clients who do not communicate for a longer period and/or repeatedly, or fail to deal with the situation actively, are subject to the following penalties: payment of targeted expenses of CZK 499, interest on late payments and an entry in credit registers, which decreases the client’s creditworthiness significantly with other banks in the case of additional loan applications. The bank is also entitled to assign receivable recovery to an external collection agency, which contacts clients on behalf of the bank, sometimes in person.


• Here is an example of how a debt can increase if it is not addressed – a situation that can be avoided if the client communicates in a timely manner and makes an effort to address the situation:
  
  
  
  • A debt of CZK 100,000 for 3 months, with late payment interest of 10% (Repo rate set by the Czech National Bank valid for the period in which the default occurred, currently 2%, and increased by 8 percentage points per government order, making a total of 10%), contractual interest of 5.9% and the costs of sending 2 payment reminders: 
  
  
  • owed amount +contractual interest +reminders +late payment interest = debt due to non-repayment
  
  
  • CZK 100,000 + CZK 1,475 + (2 x CZK 499) + CZK 2,500 = total of CZK 104,973
  
  
  
  


• If a debt is not addressed for a long time, the bank may accelerate the loan and demand immediate payment of the entire outstanding principal. In the most extreme cases, the situation may require court enforcement and distraint. However, the bank’s goal is to help clients overcome such adverse situations and engage clients in resolving them to the satisfaction of both parties.

Yes it is possible for unexpected situations and one-time transactions only. The mandatory requirements are: official verification, identification of both parties, account identification and what acts can power of attorney holder perform with the account. Power of attorney can be used for example for one-time money transfer or for account cancellation.



We do not accept a general power of attorney and determination of a permanent authorized person. We neither allow authorization to other person to the Internet banking service or empowerment to exchange the account holder and to similar purposes.

The available balance is the balance of funds in your account, which are freely available to you - it reflects card or other blockages. Accounting balance is the balance of funds in your account, which does not reflect the card blockages or the amount of overdraft.

If you want to deposit cash on your account, you can either use our deposit-enabled ATMs or one of 3,400 Česká pošta offices.

You can apply for the balance of the cancelled account in person at a branch within three years after the account had been closed. You can do so via phone at Customer Service line +420 222 010 222 or e-mail customer.service@equabank.cz. The application for the balance transfer is available in the section Documents centre

Current account can be opened in three currencies – CZK, EUR and USD.

Log in to the internet banking in the Review settings section - Requests/Offers, or at any of our branches.

Did you forget your credentials? You can use online recovery process at our login page www.equabanking.cz.

Unfortunately not - while opening an account with a current account, but in which the payments, account management, withdrawals from all ATMs, and internet and mobile banking is always free of charge and without conditions.

All you need to do is to make monthly 3 payments with our card or in the end of month have a current investment value of at least 50,000 CZK. If you meet either of the conditions, you will be credited a bonus interest payment in the next month.

Standing order or direct debit is allowed from CZK current account only.

Díky RPSN (roční procentuální sazbě nákladů) můžete přesněji porovnat výhodnost různých úvěrů, protože je v ní zahrnuta nejen úroková sazba, ale i všechny poplatky, které jsou s úvěrem spojené a dále také to, jak dlouho a v jakých intervalech je daný úvěr splácen.

U našich půjček nejsou žádné poplatky a přesto je RPSN vyšší než úroková sazba. To právě díky tomu, že naše půjčky jsou spláceny měsíčně. 

We do not send monthly account statements to email. Electronic delivery takes place safely directly to internet banking, where you can find them in the Overview - Account Statements section.

In case of experiencing an issue with authorisation SMS codes, we advise to turn off and on your mobile device, and then generate a new authorisation SMS code. We also recommend checking the Received messages folder and its fullness, and available memory of the device. 



If the issue lasts, please contact us on the customer service telephone +420 222 010 222. 

Simply enter your login number and confirm notification on mobile phone.

For the first login, use the Login number and Password from the e-mail titled "Credentials for access for internet banking". Login number is permanent and is valid for logging into the internet, mobile and telephone banking. The password is one-time and is valid for 30 days; after the first login you will be asked to change it and onward you will use it to log into the internet and mobile application. Detailed guide with log-in instructions can be found here: https://www.equabank.cz/en/customer-service/new-internet-banking-login.

 

In such a case please contact our Customer Service on +420 222 010 222 or visit any of our Equa bank branches where you will be generated new credentials.

In such case please contact our Customer Service at +420 222 010 222 or visit any of the Equa bank branches - you will be issued a new temporary Username or Password. If you have Czech birth number, you are able to recover your password online on the log in page.

The password and the login number can be easily changed in your Internet banking, section Settings, subsection Direct Banking. There click on the black writing Login and activation.

If you enter a wrong Password or SMS code five times in a row, your access will be blocked until the end of the day. To unblock the internet banking the same day please contact our Customer Service on +420 222 010 222 or visit any of our branches.

You may allow biometric login during pairing process. Also it is possible to allow biometric authentication for payments, card management and login in the user tab with your name – the “Settings” section.

You can authorize payments with the passcode you selected when pairing the application or fingerprint.

If you insert a wrong code five times in a row, your device will be “un-paired”, and you will not be allowed to access the mobile app. The app will then ask you to perform the “pairing” again, using the internet banking log-in number and password and an authorisation SMS code.

After you sign in, click on user tab on the bottom right bar, go to Settings in the upper left corner and in the Services section allow notifications, so that we can send you notifications through the mobile app.

Your mobile application gives you a complete overview of your finances and the ability to manage them. You can make domestic payments and maintain recurrent payments. You can also manage your payment card and change your PIN and limits for card payments. If necessary, you can also block your card in the app.

It is possible to call our Customer service via the app as verified customer. Log in to your Equa bank mobile app, choose the user button (right bottom corner), click on the blue button Contact, and then choose Call. Verification is successful only if you call from the telephone number.

You may set a numeric code (4-digit, 6-digit, 8-digit) or an alphanumeric (minimum of 6-digit).

You can change the passcode in the “Settings” section in the user tab. You need to know the original passcode to change it. In case you don’t remember the passcode simply unpair or uninstall the app. Then you chose new passcode during new pairing process.

To download the app, go to your Google Play or App store and find Equa bank.

For security reasons, the mobile application must be “paired” with your internet banking. The activation is simple – you just need to insert your internet banking log-in number and password and the authorisation SMS code. During the “pairing” process, you will be asked to select a unique code. You will use this code to access the app and authorise all active operations and payments.

In the mobile app under user tab in the Settings tab, in the Security section, click on Set your authorization phone and choose your mobile as the authorization phone. Via application you may confirm login to internet banking, domestic payment and online card transactions.

Contact our customer service on the number +420 222 010 222 and choose option number 1 and follow the instruction (enter your login number → press hash key (#) → enter some digits of the password).

You can set access to this service in the Internet Banking in the Settings – Direct banking section. The password must contain 6 numbers which are not sequential.

The Login number is a numerical code consisting of 8-16 characters which may not be sequential. The Login Name serves for the login in the Internet Banking and Telephone Banking and pairing your mobile app. The Password for login in the Telephone Banking is a combination of 6 numbers which are not sequential.

There are no limits for one-time payments. A one-time order can be placed up to the amount of available account balance. If there is a fee associated with the transaction, you must retain sufficient funds in your account.

Yes, you can cancel it in your Internet Banking in the section "Waiting Room", or at any branch of Equa bank.

To cancel recurring payment, look into your internet banking, section Standing payments or you can manage it in mobile application

"IBAN is an acronym for "International Bank Account Number", which is used for payments to/from abroad (i.e. foreign payments).Your IBAN can be found in your Internet banking, section "Settings/Account Details", in mobile app in the account detail or on the account statement.

Clients of Equa bank can find SWIFT/BIC code on the bank account statement, on the bank’s website at www.equabank.cz, or at the customer service phone number +420 222 010 222.

To submit a europayment/SEPA payment, fill in the form SEPA in internet banking or in mobile app. Europayments/SEPA payment are transfers to/from EU/EEA countries in currency EUR with SHA fee type and executed with standard priority. It is required to enter the payee's account number in international IBAN format.

Information about the types of fees, see Document centre - Terms and conditions of payment services.

In order to make an international payment or to receive it, the required information is:

SEPA payment/europayment is sufficient following:

• IBAN,


• Recipient’s name and address (account holder),


• Recipient’s country code,


• Purpose of the payment.

For foreign payment you need to include also following:

• IBAN or the recipient’s account number in any standardised format,


• Recipient’s bank SWIFT/BIC code,


• Recipient’s name and address,


• Recipient’s country code,


• Name and address of the recipient’s bank,


• Recipient’s bank country code,


• Purpose of the payment.

You can change your mailing address either via Internet banking or in the mobile app.

As soon as you have ID with new address you can upload a scan of both sides of the ID via internet banking or mobile app. You can also visit any of our branches.

The provider secures coverage with mobile services comparable with the three large providers in the Czech market.

If you allow the service entitled “Account Information Service” in the application, the provider will have information about all your accounts, their balances, and transactions. The validity of the authorisation is set to 90 days; after the validity expires, the authorisation needs to be assigned again. The authorisation may also be cancelled at any time. Some applications enable setting up a payment transaction from your account only with your consent and according to our authorisation rules. It is a single authorisation and you must assign it to every payment.

The list of providers of these services is regulated by the Czech National Bank. Adding an authorisation goes hand in hand with our security principles and rules. However, be careful when it comes to applications from unknown sources and unsecured websites. You can read more on security online in the Security guidelines section on our website.

1. As soon as you click on “Pay for order” in an e-shop, the authentication process is launched and the transaction risk is monitored in real time.

2. Transactions with a low risk may be approved without any further steps. Only when a higher level of authentication is needed will you be asked to authorize the payment in our mobile banking or by using a E-PIN code and authorization code from a text message.

3. You open the app using a push notification in your mobile phone and then approve the payment. If you don’t have our mobile app, you will have to set a E-PIN.

4. The merchant receives a confirmation and your order is then completed.

After you sign in, click on your profile on the bottom right bar, go to Settings in the upper left corner and in the Services section in Settings allow notifications, so that we can send you notifications through the mobile app.

E-PIN code is automatically unblocked the next day. If you can’t wait, you can authenticate through our mobile app or you can call to our customer service.

1. Go to the Cards tab in your Internet Banking and click the settings icon or click on your card number to access your card settings:

2. At the end of the list, select Change E-PIN:

3. Set up your E-PIN, it can have 4 - 8 numbers:

4. Confirm with password and authorization SMS and you're done:

No. New European Union legislation demands upper level authentication to provide more security and to prevent card fraud.

SMS code is automatically unblocked the next day. If you can’t wait, you can authenticate through our mobile app or you can call to our customer service.