Czech term deposits compared: bank rates every day
Term deposit rates from the banks' pages for 1 to 60 months, after tax for your amount, next to savings accounts and state bonds.
Term deposits
| Bank | 3 months | 6 months | 12 months | 24 months |
|---|---|---|---|---|
| ČSOB | 3.00% | 3.30% | 3.80% | – |
| Banka CREDITAS | 3.60% | 3.70% | 4.10% | 4.20% |
| Česká spořitelna | 2.25% | 3.40% | 3.50% | – |
| UniCredit Bank | 3.00% | 3.70% | 3.70% | – |
| Komerční banka | 2.50% | 4.00% | 3.00% | – |
| Raiffeisenbank | 2.35% | 2.60% | 2.85% | 3.15% |
| MONETA Money Bank | 3.70% | 3.70% | 3.80% | – |
| mBank | 3.71% | 3.71% | 3.71% | – |
| Fio banka | 3.50% | 3.50% | 3.60% | 3.00% |
| Partners Banka | – | 4.33% | – | – |
| Inbank | 4.00% | 4.05% | 2.50% | 2.50% |
| J&T Banka | 3.80% | 3.85% | 4.00% | 4.10% |
| Air Bank | 3.60% | 3.60% | 3.80% | – |
The most for your amount
| Amount | On a simple condition | Rate | No conditions | Rate |
|---|---|---|---|---|
| 50 000 Kč | Trinity Bank | 4.28% | Fio banka | 3.50% |
| 100 000 Kč | Trinity Bank | 4.28% | Fio banka | 3.50% |
| 300 000 Kč | Trinity Bank | 4.28% | Banka CREDITAS | 3.25% |
| 500 000 Kč | Trinity Bank | 4.28% | Banka CREDITAS | 3.25% |
| 1 000,000 Kč | Komerční banka | 4.20% | J&T Banka | 3.50% |
| 3 000,000 Kč | VÚB banka | 4.10% | J&T Banka | 3.50% |
Banks
- Air Bank
- Banka CREDITAS
- Česká spořitelna
- ČSOB
- Fio banka
- J&T Banka
- Komerční banka
- mBank
- MONETA Money Bank
- Oberbank
- Partners Banka
- Penta Bank
- Raiffeisenbank
- Revolut
- Trinity Bank
- UniCredit Bank
- VÚB banka
Savings accounts
| Account | Advertised rate | On a simple condition | No conditions | Condition |
|---|---|---|---|---|
| Česká spořitelna Spořicí účet | 5.20% | – | 0.20% | 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% | 4.00% | 0.01% | 10 card payments and CZK 2,000 a month invested |
| Trinity Bank Narozeninový spořicí účet | 4.28% | 4.28% | – | 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% | 4.25% | 3.25% | 10 card payments and CZK 20,000 of income a month, or regular investing |
| mBank mSpořicí účet Plus | 4.21% | 4.21% | – | CZK 15,000 of income and 5 card payments a month; the first 3 months without conditions |
| Komerční banka Spořicí účet | 4.20% | 4.20% | 0.10% | 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% | 4.00% | 0.10% | 10 card payments and investing with the bank |
| VÚB banka Spoření bez limitů | 4.10% | 4.10% | – | A Slovak bank: without a tax domicile certificate it withholds 19%, with one you declare the interest in your Czech tax return yourself |
| Penta Bank Spořicí účet+ | 4.01% | 4.01% | – | A Slovak bank: it withholds no tax, you declare the interest in your Czech tax return yourself |
| ČSOB Spoření s bonusem | 3.80% | 2.75% | 0.10% | 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 |
| Air Bank Spořicí účet | 3.50% | 3.50% | 2.00% | Regular or round-up saving into the account |
| Fio banka Fio konto | 3.50% | 3.50% | 3.50% | No conditions; the top rate for the first band |
| J&T Banka Spořicí účet | 3.50% | 3.50% | 3.50% | A deposit from CZK 1m, an existing client from CZK 100,000; no other conditions |
| Partners Banka Spořicí účet | 3.20% | 3.20% | – | 5 card payments a month and the balance watch on the current account |
| Oberbank Spořící účet | 3.10% | 3.10% | – | 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% | 3.01% | 3.01% | No conditions, no limit |
| Fio banka Fio spořicí účet | 3.00% | 3.00% | 3.00% | No conditions, no limit |
| MONETA Money Bank Spořicí účet | 2.60% | 2.60% | 2.60% | No conditions |
| Revolut FlexiSpoření | 1.25% | 1.25% | – | The free Standard plan. A Lithuanian bank: it withholds 15%, you still put the interest in your Czech tax return |
Questions
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, VÚB banka comes out best: 4.10% on average, as top rates usually have a limit.
A savings account or a term deposit?
A savings account keeps the money available and the bank can change the rate. A term deposit fixes the rate but ties up the money. The comparison for your amount and time is at the top of the page.
Is interest on savings accounts and term deposits taxed?
Yes. The bank withholds 15% from the interest, and you don't put it in your tax return.
Is money in a bank insured?
Deposits are insured by law up to EUR 100,000 per client in one bank. The state stands behind Dluhopis Republiky.