Interest rates for citizen - valid from September 17, 2019
Interest rates are on annual basis (p.a.)
|Unauthorized overdraft balance||25.00%||25.00%||25.00%|
|MAX Savings Account||CZK||EUR||USD|
|First tier below CZK 500,000||0.20%||-||-|
|Second tier above CZK 500,000||1.50%||-||-|
|Unauthorized overdraft balance||25.00%||-||-|
|Example: If the account balance is CZK 1,500,000, the amount of CZK 500,000 is paid interest on at the rate of 0.2% p.a. and the amount of CZK 1,000,000 is paid interest on at the rate 1,5% p.a.|
|HIT Savings Account||Base rate||Bonus rate|
|First tier up to CZK 300,000||0.20%||1.10%|
|Second tier above CZK 300,000||0.20%||-|
To obtain the bonus rate, all you need to do is to make 3 payments with your Equa bank contactless card in stores or online or at the last day of the month market value of your investments is at least CZK 50,000.
Example: If the account balance is CZK 350,000 and the client fulfils the conditions for obtaining a bonus rate, the amount of CZK 300,000 is paid interest on at the rate of 1.3% p.a. and the remaining CZK 50,000 is paid interest on at the rate of 0.2% p.a.
|Savings Account EXTRA||CZK||EUR||USD|
|First tier interest threshold||below 3 mil. CZK||below 200 000 EUR||-|
|Credit Balance - First tier||0.10%||0.10%||-|
|Credit Balance - First tier - EXTRA interest||0.20%||0.10%||-|
|Second tier interest threshold||above 3 mil. CZK||above 200 000 EUR||-|
|Credit Balance - EXTRA interest||0,00%||0.00%||-|
The client qualifies for an EXTRA interest rate when there is no outgoing payment from the account in a given month.
Example: If the account balance is CZK 3,500,000 and the client fulfils the conditions for obtaining the EXTRA interest rate, the amount of CZK 3,000,000 is paid interest on at the rate of 0.3% p.a. and the remaining CZK 500,000 is paid interest on at the rate 0.01% p.a.
|3 months||0.40%||0.10 %||1.40 %|
|6 months||2.00%||0.20 %||1.60 %|
|12 months||2.00%||0.25 %||1.80 %|
|18 months||2.00%||0.35 %||1.90 %|
|24 months||2.00%||0.45 %||1.95 %|
|36 months||2.00%||0.65 %||2.00 %|
|60 months||2.00 %||-||-|
|Minimum deposit||CZK 20,000||EUR 1,000||USD 1,000|
Bank reserves the right to determine an individual interest rate for clients with aggregate deposits of all products and currencies higher than CZK 20 millions or equivalent.
|Mortgages||Purpose||Refinancing||Non-purpose / refinancing||PRO / FIT|
|Fixation period 1 year||from 3,99%||-||3.99%||from 5.29%|
|Fixation period 3 years||from 2.69%||from 2.69%||3.79%||from 3.89%|
|Fixation period 5 years||from 2.49%||from 2.49%||3.79%||from 3.89%|
Interest rates for mortgages are stated with discount for CPI by MetLife pojišťovna a.s.
Download interest rates in PDF.