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with a favourable interest rate up to 3.5 % p.a. for deposits up to CZK 2,000,000

  • BUSINESS START
  • BUSINESS OPEN
  • BUSINESS TOP

BUSINESS START

Account for businessman

  • Carefree shopping
    • Unlimited domestic and SEPA electronic transactions.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
    • Free withdrawals from all other domestic or foreign ATMs, with minimum of CZK 2,000.
  • Basic features
    • 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 CZK for everyday payments.
    • Debit Business Standard payment card.
    • Online Banking Business Net Professional on your PC.
    • Smart Banking on your mobile.
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0 CZK

Account maintenance fee

100% discount on the first 12M for new clients

BUSINESS OPEN

account for businessman and small businesses

  • Carefree shopping
    • 80 free domestic electronic transactions on the main account.
    • 20 free SEPA electronic transactions on the account.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
  • Basic features
    • 1 current account in CZK for savings with an interest rate of up to 3.5% p.a. up to CZK 2,000,000.
    • 2 current accounts for everyday payments (CZK, EUR).
    • 2 Debit Business Standard payment card.
    • Online Banking Business Net Professional on your PC.
    • Smart Banking on your mobile.
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150 CZK For free *

Account maintenance fee

BUSINESS TOP

account for businessman and small businesses

  • Carefree shopping
    • 400 free domestic electronic transactions on the main account.
    • 100 free SEPA electronic transactions on the account.
    • Free withdrawals from UniCredit domestic or foreign ATMs.
  • Basic features
    • 1 current account in CZK for savings with an interest rate of up to 3.5% p.a. up to CZK 2,000,000.
    • 3 current accounts for everyday payments (CZK, EUR and other currencies).
    • 2 payment cards (Debit Business Standard/Debit Business World).
    • Online Banking Business Net Professional on your PC.
    • Smart Banking on your mobile.
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350 CZK

Account maintenance fee

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

*After the first 12 months, when the Account is maintained free of charge and without any conditions, further maintenance of the Account is free of charge if either the non-cash credit turnover in a given month on the accounts within the Account is at least CZK 20,000 or the average monthly balance on the main CZK account is at least CZK 250,000.

What will you get?

A reward of up to CZK 3,600 applies to a package of BUSINESS START or BUSINESS OPEN services established by 31 December 2024.

WHAT IS NECESSARY TO GET A REWARD?

All you have to do is open a BUSINESS START or BUSINESS OPEN service package by 31 December 2024 and make a minimum credit turnover of CZK 20,000 per month. A reward of CZK 300 per month will be paid monthly to your business account until the end of the calendar month following the fulfillment of the condition of credit turnover of at least CZK 20,000 per month, for a period of up to 12 months. You can open an account at any of our branches.

 

Terms and conditions of the Business Open Discounted Account marketing campaign valid from 1 October 2024 (PDF)

 

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

The total interest rate, consisting of the basic interest rate and the bonus rate, applies to the first (main) crown account within the service packages Account Business START, Business OPEN or Account Business TOP opened from 1 September 2024.

WHAT IS REQUIRED TO GET THE BONUS INTEREST RATE?

You just need to open a Business START, Business OPEN or Business TOP service package from 1 September 2024. We will open a crown business account for payments (main account), which we will set the basic interest rate on the second day after it is opened. You will receive the bonus rate after meeting the condition of active use of this crown business account (main) with a minimum monthly credit turnover of CZK 20,000. This bonus rate will be paid monthly to the Crown Business Account (main) on the last day of the calendar month following the crediting of the basic interest rate. Both the base and bonus interest rates apply to deposits up to CZK 2,000,000. The validity and amount of the basic interest rate and bonus rate are shown in the table below. You can open a service package at any of our branches.

Terms and conditions of the Business Open Discounted Account marketing campaign valid from 1 October 2024 (PDF)

Overview of interest rates (p.a.) for accounts in CZK* opened from 1 September 2024 under the marketing campaign Account Business START, Business OPEN and Business 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 – 31. 1. 2025 0,35 % 3,15 % 3,5 % CZK 2 000 000
1. 10. 2024 – 31. 10. 2024 0,375 % 3,375 % 3,75 % CZK 2 000 000
1. 9. 2024 – 30. 9. 2024 0,4 % 3,6 % 4 % CZK 2 000 000

* The interest rate is set for the first (main) business account in CZK set up as part of the Business START Account, Business OPEN Account or Business TOP Account service package.

** The bonus rate can be obtained after fulfilling the condition of active use of a koruna business account (main account) with a minimum monthly credit turnover of CZK 20,000. The following transactions are not included in the credit turnover: incoming payments from current or business accounts of the same owner, transfers from time deposits to a business account, transfers to a business account from credit accounts, accrued interest, fee refunds, cancellation of card transactions. Detailed information is provided 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.

You can get an overdraft of up to CZK 100,000 for your chosen Business account.

  • with an interest rate of 13 - 19% p.a.
  • without having to file a tax return
  • without proving that you are debt-free
  • without collateral (only for natural persons doing business) 
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