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Choose your account

with a favourable interest rate up to 3 % p.a. for deposits up to CZK 2,000,000

  • OPEN
  • START
  • TOP

OPEN

For your confidence and freedom

Open online
OPEN account

  • Carefree shopping
    • Virtual card immediately available in Smart Banking.
    • U-šetřete – get discounts and rewards for purchases directly through your card.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
    • Unlimited free withdrawals from all other domestic or foreign ATMs.
  • For your confidence
    • Travel insurance for holidays and business trips.
    • Insurance for your payment cards and personal belongings, such as your wallet or keys.
    • Insurance for online purchases.
    • Second Medical Opinion service
  • Basic features
    • 1 current account in CZK for everyday payments.
    • 1 current account in CZK for savings with an interest rate of up to 3% p.a. up to CZK 2,000,000.
    • 1 current account in EUR.
    • Debit Card Standard.
    • Online Banking on your PC.
    • Smart Banking on your mobile.
arrange personally
Open online
89 CZK

monthly

Most popular

START

For every day

Open online
Start account

  • Carefree shopping
    • Virtual card immediately available in Smart Banking.
    • U-šetřete – get discounts and rewards for purchases directly through your card.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
    • Free withdrawals from all other domestic or foreign ATMs, with minimum of CZK 2,000.
  • For your confidence
    • Travel insurance for holidays and business trips.
    • Insurance for your payment cards and personal belongings, such as your wallet or keys.
    • Insurance for online purchases.
    • Second Medical Opinion service
  • Basic features
    • 1 current account in CZK for everyday payments.
    • 1 current account in CZK for savings with an interest rate of up to 3% p.a. up to CZK 2,000,000.
    • Debit Card Standard.
    • Online Banking on your PC.
    • Smart Banking on your mobile.
arrange personally
Open online
0 CZK

monthly

TOP

For the highest standard

Open online
TOP account

  • Carefree shopping
    • Virtual card immediately available in Smart Banking.
    • U-šetřete – get discounts and rewards for purchases directly through your card.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
    • Unlimited free withdrawals from all other domestic or foreign ATMs.
  • For your confidence
    • Travel insurance for holidays and business trips of the highest standard.
    • Insurance with higher limits for your payment cards and personal belongings, such as your wallet or keys.
    • Insurance for online purchases.
    • Second Medical Opinion service
  • Basic features
    • 1 current account in CZK, EUR, USD for everyday payments.
    • 1 current account in CZK for savings with an interest rate of up to 3% p.a. up to CZK 2,000,000.
    • Debit Card Standard.
    • Debit Card Premium.
    • Online Banking on your PC.
    • Smart Banking on your mobile.
    • Benefits of the My Mastercard program (e.g. airport lounges, uLékaře.cz)
arrange personally
Open online
0 or 299 CZK

free of charge with incoming payments of over CZK 40,000 monthly

Learn more about virtual card

We are currently changing the payment card provider from VISA to Mastercard. More information HERE. 

 

Service
Second Medical Opinion

  • Access to international specialists

  • Transparent selection of doctor

  • Expert medical opinion

More info

What will you get?

The total interest rate consists of three parts – the basic interest rate, the bonus rate and the extra bonus rate. The amount of these rates depends on the fulfillment of specific conditions.

How to get a bonus interest rate?

Simply open a START, OPEN or TOP service package from 1 January 2025. Together with it, we will automatically open a current account for everyday payments (non-interest-bearing) and a savings account, the name of which is distinguished by the additional designation "SAVINGS".

You will get the bonus rate if you pay at least 3 times a month with a payment card that is issued for the current account within your service package. If you meet this condition, we will credit your bonus rate to your savings account on the last day of the calendar month following the crediting of the basic interest rate.
 

How to get the extra bonus rate?

In addition to meeting the above conditions, your current account must have received credit income in the total amount of at least CZK 20,000 in a given month, or you must arrange a regular investment to which you will send money every month. If you also meet one of the above conditions, we will credit you with an extra bonus rate along with the extra bonus rate.

You can create a service package at any of our branches or conveniently online from anywhere.

The basic, bonus interest rate and extra bonus interest rate apply to deposits up to CZK 2,000,000 (inclusive). The validity and amount of the basic interest rate, bonus rate and extra bonus rate are listed in the table below.

Terms and conditions of the marketing campaign START, OPEN and TOP Account with bonus interest rate 2025 valid from 1 April 2025 (PDF)

Overview of interest rates (p.a.) for accounts in CZK1) opened from 1 January 2025 under the marketing campaign Account START, OPEN and TOP with bonus interest rate 2025:

Interest rate validity period

 Amount Basic interest rates Amount of Bonus Rate2) Bonus Rate Extra3) Maximum total interest rate4) Maximum amount of interest
1. 4. 2025 – 1. 5. 2025 0,25 % 2,25 % 0,5 % 3 % CZK 2,000,000
3. 3. 2025 – 31. 3. 2025 0,325 % 2,925 % - 3,25 % CZK 2,000,000
1. 1. 2025 – 2. 3. 2025 0,35 % 3,15 % - 3,5 % CZK 2,000,000

1) The interest rate is set on the second CZK currency account opened under the Account START, Account OPEN or Account TOP service package, the name of which is distinguished by the additional designation "SPOŘENÍ".

2) The bonus rate can be earned with 3 card transactions per month. Detailed information can be found in the campaign terms and conditions.

3)The Extra bonus rate can be obtained in the case of a monthly credit turnover of at least CZK 20,000 or in the case of a regular investment agreement. Detailed information is provided in the campaign terms and conditions.

4)The total interest rate consists of the Base Rate, the Bonus Rate and the Bonus Rate Extra.

Terms and conditions of previous campaigns can be found in the Archive

Campaigns' terms and conditions are published only in Czech language.

With the Mastercard premium card (Debit Premium) you get the My Mastercard programme, which includes many great services, such as uLékaře.cz, where you can use, free of charge, online medical advice or make an appointment for yourself or your loved ones to see a specialist whenever you need.


Benefits of the programme:

  • uLékaře.cz – the possibility to use, free of charge, online medical advice or make an appointment for yourself or your loved ones to see a specialist whenever you need. Read more about the service here.
  • Airport lounges – private airport lounges in Prague, Vienna and Bratislava are at a discounted price for you and your travelling companions to make your travel more enjoyable. To enter, simply present your premium payment card (physical or digital) and your ticket or boarding pass to the lounge attendant. The fee will be charged to your payment card. Reservations for the lounges are not possible in advance and entry is not guaranteed, as it depends on the capacity of the lounge. Details on airport lounge fees are available here. For more information on airport lounges, please click here.
  • Mastercard Assistant – an exclusive assistance service available 24 hours a day and 365 days a year. It includes home (technical emergency services) and personal assistance (online shopping), or home delivery if necessary. Read more including the contact details here.

 


Enjoy your purchases twice. You can save up to hundreds of crowns per month when you shop at partners in our U-šetřete program.

 

Benefits of the U-šetřete program:

  • Simplicity – the discounts are linked directly to your credit card. No more cards, vouchers or discount codes.
  • Discretion – you do not have to ask for a discount when you pay. The discount will be automatically credited to the account linked to the credit card.
  • Uniqueness – the offers are tailored to you depending on your previous purchases.

 

Saving with U-šetřete is easy! Just use Smart Banking, choose the discount you like in the app, activate it and pay with your card. As many times as you want. We'll automatically transfer the money from the discount back to your account.

For the OPEN or TOP accounts, you will also get travel insurance, insurance of cards, personal belongings and online purchases. You will pay anything for the insurance – it is already part of the price for the account you have chosen. Insurance can be taken out for persons over 18 years of age.

Travel insurance is valid all year round, so you do not have to take out a separate and often expensive insurance before your holiday.

What does the insurance cover? Overview of the most important insurance limits:

Insurance type

TRAVEL Basic - for the OPEN account

TRAVEL Basic - for the TOP account

Insured persons

account card holder

account card holder

Medical expenses

CZK 2,000,000

CZK 2,500,000

Luggage insurance

CZK 30,000

CZK 30,000

Accident insurance - death

CZK 200,000

CZK 250,000

Accident insurance - permanent consequences

CZK 400,000

CZK 500,000

Liability insurance

CZK 1,025,000

CZK 3,050,000

Legal assistance

uninsured

CZK 100,000

Costs of replacement documents

uninsured

CZK 10,000

Cancellation or interrupted travel - deductible

uninsured

20%

Sports – water and winter sports (basic)

insured

insured

Maximum duration of the trip

90 days

90 days

Territorial applicability

Entire world except for the Czech Republic

Entire world except for the Czech Republic

A more detailed overview of limits, insurance terms and conditions and other important documents are available here.

 

Insurance of cards, personal belongings and online purchases will back you up in every situation. For example, if you lose your keys or wallet or you do not receive the goods you ordered online, as well as in the event of more serious situations, such as assault or forced withdrawal of cash from an ATM.

What does the insurance cover? Overview of the most important insurance limits:

Insurance type

SAFE Basic - for the OPEN account

SAFE Plus - for the TOP account

Misuse of a card during an online transaction

CZK 40,000

CZK 100,000

Electronic payment insurance

EUR 50

EUR 50

Forced withdrawal or theft of cash when making a withdrawal from an ATM

common limit of CZK 40,000

common limit of CZK 100,000

Theft or loss of:
  • documents
  • keys
  • mobile phone

CZK 5,000

CZK 10,000
  • wallet

CZK 3,000

CZK 3,000

Insurance of the purchase of goods online

CZK 25,000

CZK 25,000

A more detailed overview of limits, insurance terms and conditions and other important documents are available here.

 

In case of event from travel insurance, use the telephone number +420 283 002 771 or the online form. 

In case of event from payment card and personal belongings insurance, call the non-stop helpline +420 283 002 728. 

Verze ke stažení (PDF)

 

Pro nahlášení pojistné události z cestovního pojištění využijte telefonní číslo +420 283 002 771 nebo online formulář. 

Pro nahlášení pojistné události z pojištění platební karty a osobních věcí volejte nonstop asistenční linku +420 283 002 728.

Second Medical Opinion service

Get advice from top medical experts from around the world and make informed decisions about your health, from the comfort of your home and in the language of your choice.

The Second Medical Opinion service is for OPEN or TOP.

Payments easily and quickly

Apple Pay, Google Pay – make quick and easy payments with your phone or watch (Apple Watch).

Free of charge for all accounts

  • electronically entered incoming and outgoing domestic and SEPA payments
  • cash deposits in CZK at a UniCredit Bank branch or ATM
  • electronically entered change and cancellation of a domestic standing order, direct debit authorisation and SIPO
  • electronic account statement

   Do you have an account in another bank?

Come to us, changing your bank is simple. We will take care of everything for you. Visit any branch of our bank, bring your ID card and your former bank account number with you. All will be arranged during one meeting and all your standing orders and direct debits will be transferred to your new account with UniCredit Bank within 13 days.

 

      Information on withdrawals from ATMs

UniCredit Bank does not charge for transactions; however, ATM operators may charge their own fees. Clients are informed about charges on the ATM’s screen and can refuse such transactions.

From 1.3.2017 we offer a new product, Basic Payment Account. It is an account meeting the requirements of the amendment to the Payment System Act as a result of the implementation of the European Directive. Legislation defines the right of every person legally resident in the EU to have a payment account with basic functions in the Czech Republic. Fees do not differ from those normally charged according to the Price List. For more information, click here.

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