Interest rates for citizen - valid from 14 May 2020

Interest rates are on annual basis (p.a.)

Current accountCZKEURUSD
Credit balance0,01%0,01%0,01%
MAX Savings Account - Credit balanceCZKEURUSD
First tier: below CZK 500,0000,20%--
MAX Savings account (for clients activated until 30. 4. 2020) - Credit balance

Interest rate

until 30. 6. 2020

Interest rate

from 1. 7. 2020

First tier: below CZK 500,000,20%0,20%
Second tier: above CZK 500,0001,5%0,20%
HIT Savings account in CZK (for clients activated from 1. 5. 2020) - Credit balanceCZKEURUSD
First tier up to CZK 200,0000,20%--
HIT Savings account in CZK (for clients activated until 30. 4. 2020) - Credit balance

Interest rates

until 30. 6. 2020

Interest rates

from 1. 7. 2020

First tier: up to CZK 300,0001,6%*0,20%
Second tier: above CZK 300,0000,20%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 in the given month or the current value of your investments must be at least CZK 50,000 as of the last day of the given month. If these conditions are not met, the interest rate at first tier is 0.20% p.a.

Term depositCZKEURUSD
3 months0.20%0.01%0.01%
6 months0.20%0.01%0.05%
12 months0.40%0.05%0.10%
18 months0.45%0.10%0.15%
24 months0.50%0.15%0.20%
36 months0.60%0.20%0.25%
48 months0.70%--
60 months0.80%--
Minimum depositCZK 20.000EUR 1.000USD 1.000

The Bank reserves the right to set individual interest rates for clients with aggregate deposits of all products and currencies exceeding CZK 20 million or the equivalent.

Unauthorized Overdraft
An interest rate 25% p. a. is charged for Unauthorized Overdraft on Current Accounts or Saving Accounts.
Mortgages - standard interest ratesPurposeRefinancingNon-purpose / refinancingPRO / FIT
Fixation period 1 yearfrom 3,99%-3.99%from 5.29%
Fixation period 3 yearsfrom 2.29%from 2.29%3.79%from 3.89%
Fixation period 5 yearsfrom 2.29%from 2.29%3.79%from 3.89%

Interest rates for mortgages are stated with discount for CPI by MetLife.

Download interest rates in PDF.