Czech savings accounts and term deposits, November 2026: top rate 4.28% (Trinity Bank)
Of the 19 savings accounts whose rates we read on the banks' own pages, Trinity Bank pays the most on a simple condition: 4.28% to CZK 500,000. With no conditions, Fio banka: 3.50%. For investing or other products Česká spořitelna advertises 5.20%.
Put together automatically by hedger from the banks' pages data. It draws no conclusions and is not investment advice.
The rates
| Bank and account | Rate | Up to | Condition |
|---|---|---|---|
| Česká spořitelna Spořicí účet | 5.20% | to CZK 400,000 | Level Up: 18 or more points for the bank's products and the top reward; 10–17 points up to 4.70% |
| UniCredit Bank Účet na spoření | 4.30% | to CZK 500,000 | 10 card payments and CZK 2,000 a month invested |
| Trinity Bank Narozeninový spořicí účet | 4.28% | to CZK 500,000 | A new account with a new deposit, no investing or products required; the rate is guaranteed to 31 March 2027 |
| Banka CREDITAS Spořicí účet TOP | 4.25% | to CZK 500,000 | 10 card payments and CZK 20,000 of income a month, or regular investing |
| mBank mSpořicí účet Plus | 4.21% | to CZK 250,000 | CZK 15,000 of income and 5 card payments a month; the first 3 months without conditions |
| Komerční banka Spořicí účet | 4.20% | to CZK 1,000,000 | A current account plan, even the free Start, and the bonus chosen in KB+; an existing client brings CZK 100,000 from another bank. The CZK 1m limit holds for 3 months |
| Raiffeisenbank Bonusový spořicí účet | 4.20% | to CZK 500,000 | 10 card payments and investing with the bank |
| Penta Bank Spořicí účet+ | 4.01% | to CZK 10,000,000 | A Slovak bank: it withholds no tax, you declare the interest in your Czech tax return yourself |
| VÚB banka Spoření bez limitů | 3.80% | no limit | A Slovak bank: without a tax domicile certificate it withholds 19%, with one you declare the interest in your Czech tax return yourself |
| ČSOB Spoření s bonusem | 3.80% | to CZK 250,000 | 5 card payments, CZK 15,000 of income and CZK 1,500 a month to investments, pension or building savings; the first 3 months of a new account without conditions |
| Fio banka Fio konto | 3.50% | to CZK 200,000 | No conditions; the top rate for the first band |
| J&T Banka Spořicí účet | 3.50% | no limit | A deposit from CZK 1m, an existing client from CZK 100,000; no other conditions |
| Air Bank Spořicí účet | 3.20% | to CZK 300,000 | Regular or round-up saving into the account |
| Partners Banka Spořicí účet | 3.20% | no limit | 5 card payments a month and the balance watch on the current account |
| Oberbank Spořící účet | 3.10% | no limit | A new deposit from CZK 1m, from CZK 2m at 3.30%, and a private current account; on offer to 31 December 2026 |
| mBank mSpořicí účet | 3.01% | no limit | No conditions, no limit |
| Fio banka Fio spořicí účet | 3.00% | no limit | No conditions, no limit |
| MONETA Money Bank Spořicí účet | 2.60% | to CZK 1,000,000 | No conditions |
| Revolut FlexiSpoření | 1.25% | to CZK 2,500,000 | The free Standard plan. A Lithuanian bank: it withholds 15%, you still put the interest in your Czech tax return |
One-year term deposits
| Bank | 12-month rate | From |
|---|---|---|
| Banka CREDITAS | 4.10% | 5 000 Kč |
| J&T Banka | 4.00% | 1 000 000 Kč |
| ČSOB | 3.80% | 5 000 Kč |
| MONETA Money Bank | 3.80% | 15 000 Kč |
| mBank | 3.71% | 1 000 Kč |
| UniCredit Bank | 3.70% | 30 000 Kč |
| Fio banka | 3.60% | 1 000 Kč |
| Česká spořitelna | 3.50% | 5 000 Kč |
| Air Bank | 3.40% | 30 000 Kč |
| Komerční banka | 3.00% | — |
| Raiffeisenbank | 2.85% | — |
| Inbank | 2.50% | 5 000 Kč |
What it earns in a year
The top rate holds only up to a limit, and over it the bank pays less, so a larger amount can favour another account. The rate is the average over the whole amount before tax, the interest is after the 15% tax.
| Amount | On a simple condition | No conditions |
|---|---|---|
| CZK 50,000 | Trinity Bank, 4.28%: CZK 1,819 | Fio banka, 3.50%: CZK 1,488 |
| CZK 100,000 | Trinity Bank, 4.28%: CZK 3,638 | Fio banka, 3.50%: CZK 2,975 |
| CZK 300,000 | Trinity Bank, 4.28%: CZK 10,914 | Banka CREDITAS, 3.25%: CZK 8,288 |
| CZK 500,000 | Trinity Bank, 4.28%: CZK 18,190 | Banka CREDITAS, 3.25%: CZK 13,812 |
| CZK 1,000,000 | Komerční banka, 4.20%: CZK 35,700 | J&T Banka, 3.50%: CZK 29,750 |
| CZK 3,000,000 | Penta Bank, 4.01%: CZK 102,255 | J&T Banka, 3.50%: CZK 89,250 |
What to compare them with
After tax, 15 of 18 accounts are above inflation, counting the top rate on a simple condition.
- ČNB repo rate: 3.75%
- Inflation for September 2026: 2.5%
- Flexi Bond (tax free): 3.75%
How rates have moved
What to watch for
Rates are before the 15% tax on interest and banks can change them. The top rate usually holds only up to a limit and under conditions: above it a lower one applies. Deposits up to EUR 100,000 per bank are insured.
Questions people ask
- Which savings account pays the most? Of the 19 accounts followed, Trinity Bank pays the most on a simple condition: 4.28%, condition: A new account with a new deposit, no investing or products required; the rate is guaranteed to 31 March 2027. On a harder condition Česká spořitelna advertises 5.20%: Level Up: 18 or more points for the bank's products and the top reward; 10–17 points up to 4.70%.
- Which savings account pays the most with no conditions? With no conditions met, Fio banka (Fio konto) pays the most: 3.50%.
- What is a simple condition and what a hard one? A simple condition is ordinary use of the account: card payments, income, regular saving or a new deposit. A hard one is buying another product, investing, pension or building savings, or collecting points.
- Which one-year term deposit pays the most? For 12 months Banka CREDITAS offers the most: 4.10% a year before tax.
- What pays more, a savings account or a state bond? Dluhopis Republiky's yield is tax free, bank interest is taxed at 15%. Flexi Bond at 3.75% therefore equals a bank rate of 4.41% before tax.
- Where to put a larger amount? On CZK 3,000,000, Penta Bank comes out best: 4.01% on average, as top rates usually have a limit.
More on hedger
Comparing savings accounts → · Your own inflation → · Inflation in Czechia →
Source: Česká spořitelna · UniCredit Bank · Trinity Bank · Banka CREDITAS · mBank · Komerční banka · Raiffeisenbank · Penta Bank · VÚB banka · ČSOB · Fio banka · J&T Banka · Air Bank · Partners Banka · Oberbank · mBank · Fio banka · MONETA Money Bank · Revolut