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Choose your account

with a favourable interest rate up to 3.5 % 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 3.5% 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 3.5% 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 for everyday payments.
    • 1 current account in CZK for savings with an interest rate of up to 3.5% p.a. up to CZK 2,000,000.
    • 1 current account in EUR.
    • 1 current account in USD.
    • Debit Card Standard.
    • Debit Card Premium.
    • Online Banking on your PC.
    • Smart Banking on your mobile.
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, which consists of the basic interest rate and the bonus rate, applies to the Account START, OPEN or Account TOP service packages opened from 1 November 2024. The validity of the base rate and the bonus rate is shown in the table below.

WHAT IS REQUIRED TO GET THE BONUS INTEREST RATE?

You only need to open a START, OPEN or TOP service package from 1 November 2024. We will open a current account for payment purposes (non-interest-bearing) and a savings account, distinguished by the additional designation "SAVINGS", on which we will set the basic interest rate on the second day after its opening. You will receive the bonus rate upon meeting the condition of making 3 payments with the debit card issued with your START, OPEN or TOP current account and will be paid monthly into the savings account on the last day of the calendar month following the base interest rate. Both the base and bonus interest rates apply to deposits up to CZK 2,000,000. The validity and amount of the base rate and bonus rate are shown in the table below. You can open a service package at any of our branches or conveniently online from anywhere.

Terms and conditions of the marketing campaign Account START, OPEN and TOP with bonus interest rate 2024 - valid from 1 November 2024 (PDF)

Overview of interest rates (p.a.) for accounts in CZK* opened from 1 November 2024 under the marketing campaign Account START, OPEN and TOP with bonus interest rate 2024:

Interest rate validity period

 Amount Basic interest rates Amount of Bonus Rate** Maximum total interest rate*** Maximum amount of interest
1. 11. 2024 – 2. 2. 2025 0,35 % 3,15 % 3,5 % CZK 2,000,000

* 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".

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

*** The total interest rate consists of the Base Rate and the Bonus Rate.

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

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

A virtual card is available in Smart Banking as soon as you open an account. The virtual payment card is a modern and economical alternative to the plastic card. It can do almost the same as a plastic card, plus it brings convenience and speed. The card is valid for 3 years and you can arrange additional services for it. With the virtual payment card, you can pay online with ease and, when added to Apple Pay or Google Pay, you can also pay in brick-and-mortar stores and withdraw cash from contactless ATMs. Simply, safely and with respect for nature.

Benefits of a virtual card

  • Availability
    The card is instantly available in the Smart Banking app, where you can easily activate it.
  • Convenience
    It's always at your fingertips, even if you happen to go out without your wallet. You'll never look for it among a pile of loyalty cards or accidentally wash it in the back pocket of your trousers.
  • Security
    The card in your mobile wallet is protected by biometrics or a password.
  • Thrift
    By using a virtual card instead of a plastic one, you're helping the environment.

 


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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