FX Rates and Interest Rates

Interest Rates

Change company/institution

CZK deposits  -  Citizen

The interest rates given are in % p.a. - annually for each account balance band in CZK.

Current Accounts

The announced rates apply from: 2 April 2013

Legal Form

up to 999,999

 1,000,000 - 4,999,999

Natural Person - Retail Client

 0.01  0.01
   

 above 5 000 000 CZK individual rates

Savings Account, Savings Current Account, Investment Current Account

The announced rates apply from: 2 April 2013

Legal Form

up to 149,999

 from 150,000

Natural Person - Retail Client

1.73

 1.03

Saving for the Future

Fixed interest rates apply from: 2 April 2013

Fixture period

Special interest rate

Standard interest rate

5 let

 3.00 1.43
10 let 4.13 1.83

A Fixed-term Saving - Time Deposit 

Fixed interest rates apply from: 2 April 2013

Maturity

min. 30,000 CZK

6 months

 1.63
12 months 1.83
2 years 2.23
3 years 2.43

Time Deposits

Fixed interest rates apply from: 2 April 2013

Maturity 30,000 - 499,999 500,000 - 999,999 1,000,000 - 4,999,999 5,000,000 - 10,000,000
1 week 0.10 0.20 0.30 0.40
2 weeks 0.10 0.20 0.30 0.40
1 month 0.10 0.20 0.30 0.40
2 months 0.20 0.30 0.40 0.50
3 months 0.30 0.40 0.50 0.60
6 months 0.50 0.60 0.70 0.80
12 months 0.80 0.90 1.00 1.10
2 years 1.20 1.30 1.40 1.50
3 years 1.40 1.50 1.60 1.70
5 years 1.60 1.70 1.80 1.90
above 10 mil. CZK individual rates apply

Progressive yield

Fixed interest rates apply from: 2 April 2013

Deposit lock period 1 year
Number of interest periods 12
Interest period duration 1 month
1st interest period 1.03
2nd interest period 1.13
3rd interest period 1.23
4th interest period 1.43
5th interest period 1.53
6th interest period 1.63
7th interest period 1.73
8th interest period 2.03
9th interest period 2.13
10th interest period 2.43
11th interest period 2.83
12th interest period 4.03
Average interest rate for all periods 1.93

The following products are no longer actively offered


Exclusive Programme, Blue Account 

The announced rates apply from: 2 April 2013

Legal Form

up to 99,999

100,000 - 499,999

500,000 - 999,999

from 1,000,000

Natural Person - Retail Client

 0.05 0.05 0.25 0.50

Rybička Account

The announced rates apply from: 2 April 2013

Legal Form

no range determined

Natural Person - Retail Client

 1.00

Free Account

The announced rates apply from: 2 April 2013

Legal Form

no range determined

Natural Person - Retail Client

 0.01

Savings Account

Variable Interest Rates valid from: 2 April 2013

Legal Form

up to 49,999

50,000 - 499,999

500,000 - 999,999

from 1,000,000

Natural Person - Retail Client

 0.01 0.25 0.50 0.75

Savings Account (Active Account, Active Account Plus)

The announced rates apply from: 2 April 2013

Legal Form

up to 99,999

from 100,000

Natural Person - Retail Client

 1.23 1.23

Saving for Anything

Fixed interest rates apply from: 2 April 2013

Fixture period

Conditions fulfilled

Conditions not fulfilled

6 months

 1.73 1.33
12 months 1.83 1.33
24 months 2.53 1.33

Pass Books

Variable rates apply from: 2 April 2013

Notice period

500 - 499,999

500,000 - 999,999

1,000,000 - 4,999,999

5,000,000 - 10,000,000

without withdrawal notice

 0.00 0.00 0.10 0.20

2 weeks

 0.00 0.00 0.10 0.20

1 month

 0.00 0.00 0.10 0.20

2 months

 0.00 0.10 0.20 0.30

3 months

 0.10 0.20 0.30 0.40

6 months

 0.30 0.40 0.50 0.60

12 months

 0.60 0.70 0.80 0.90

2 years

 1.00 1.10 1.20 1.30

3 years

 1.20 1.30 1.40 1.50

5 years

 1.40 1.50 1.60 1.70

above 10 mil. CZK individual rates apply

FX Deposits  -  Citizen

The interest rates given are in % p.a. - annually for each account balance band.


Current Accounts

The announced rates apply from: 2 April 2013

USD zone up to 4,999 5,000 - 24,999 25,000 - 49,999 50,000 - 244,999
EUR zone up to 3,499 3,500 - 17,999 18,000 - 34,999 35,000 - 179,999

RUB zone

up to 99,999

100,000 - 699,999 

700,000 - 1,299,999 

1,300,000 - 6,999,999 
USD 0.01 0.01 0.01 0.01
EUR 0.01 0.01 0.01 0.01

RUB

 0.01

0.01

 0.01  0.01 

Savings Account, Savings Current Account

The announced rates apply from: 2 April 2013

Zone not determined
EUR 0.60

USD

 0.30 

A Fixed-term Saving - Time Deposit 

Fixed interest rates apply from: 2 April 2013

Maturity

min. 1,000 EUR

6 months

 1,00
12 months 1,20
2 years 1,60
3 years 1,85

Progressive yield in EUR

Fixed interest rates apply from: 2 April 2013

Deposit lock period 1 year
Number of interest periods 12
Interest period duration 1 month
1st interest period 0.50
2nd interest period 0.60
3rd interest period 0.70
4th interest period 0.80
5th interest period 0.90
6th interest period 1.00
7th interest period 1.20
8th interest period 1.40
9th interest period 1.60
10th interest period 1.80
11th interest period 2.10
12th interest period 2.50
Average interest rate for all periods 1.26

Time Deposits

Fixed interest rates apply from: 2 April 2013

Maturity 1 week 2 weeks 1 month 2 months
Zone**) A B C D A B C D A B C D A B C D
USD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.10 0.15 0.20 0.10 0.15 0.20 0.25
EUR 0.00 0.00 0.00 0.00 0.00 0.05 0.10 0.15 0.05 0.10 0.15 0.20 0.05 0.10 0.15 0.20
RUB 1.00 1.20 1.40 1.60 1.50 1.70 1.90 2.10 2.40 2.60 2.80 3.00 2.80 3.00 3.20 3.40
Maturity 3 months 6 months 12 months 2 years
Zone**) A B C D A B C D A B C D A B C D
USD 0.15 0.20 0.25 0.30 0.20 0.30 0.40 0.50 0.40 0.50 0.60 0.70 0.60 0.70 0.80 0.90
EUR 0.10 0.20 0.30 0.40 0.20 0.30 0.40 0.50 0.30 0.40 0.50 0.60 0.50 0.60 0.70 0.80
RUB 3.20 3.40 3.60 3.80 3.60 3.80 4.00 4.20 4.00 4.20 4.40 4.60 4.20 4.40 4.60 4.80
Maturity 3 years 5 years
Zone**) A B C D A B C D
USD 0.80 0.90 1.00 1.10 1.10 1.20 1.30 1.40
EUR 0.70 0.80 0.90 1.00 1.00 1.10 1.20 1.30
RUB  - -  -  -  -  -  -  - 

**) Note:

Interest Zones in USD Interest Zones in EUR Interest Zones in RUB 

A: Term Deposits 1,500 - 24,999
Passbooks with no termination period 250 - 24,999
Passbooks with a termination period 500 - 24,999

B: 25,000 - 49,999

C: 50,000 - 244,999

D: 245,000 - 485,000

individually set rates over USD 485,000

A: Term Deposits 1,000 - 17,999
Passbooks with no termination period 200 - 17,999
Passbooks with a termination period 400 - 17,999

B: 18,000 - 34,999

C: 35,000 - 179,999

D: 180,000 - 355,000

individually set rates over EUR 355,000

 A: 45 000 - 699 999
B: 700 000 - 1 299 999
C: 1 300 000 - 6 999 999
D: 7 000 000 - 16 000 000
above 16 000 000 RUB: individual rates

The following products are no longer actively offered


The Free Account

The announced rates apply from: 2 April 2013

USD zone up to 2,499 2,500 - 24,999 25,000 - 49,999 from 50,000
EUR zone up to 1,799 1,800 - 17,999 18,000 - 34,999 from 35,000
USD 0.01 0.01 0.01 0.01
EUR 0.01 0.01 0.01 0.01

The Rybička Account

The announced rates apply from: 2 April 2013

Zone up to 699 700 - 1,399 from 1,400
EUR 0.45 0.45 0.45

Savings Account *)

The announced rates apply from: 2 April 2013

EUR zone up to 1,799 1,800 - 17,999 18,000 - 34,999 from 35,000
USD zone up to 2,499 2,500 - 24,999 25,000 - 49,999 from 50,000
EUR 0.05 0.05 0.05 0.05
USD 0.10 0.10 0.10 0.10

Pass Books *)

Variable apply from: 2 January 2013

Maturity without notice 2 weeks 1 month 2 months
Zone**) A B C D A B C D A B C D A B C D
USD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05
EUR 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Maturity 3 months 6 months 12 months 2 years
Zone**) A B C D A B C D A B C D A B C D
USD 0.00 0.00 0.05 0.10 0.00 0.10 0.20 0.30 0.20 0.30 0.40 0.50 0.40 0.50 0.65 0.70
EUR 0.00 0.00 0.10 0.20 0.00 0.10 0.20 0.30 0.10 0.20 0.30 0.40 0.30 0.40 0.50 0.60
Maturity 3 years 5 years
Zone**) A B C D A B C D
USD 0.60 0.70 0.80 0.90 0.90 1.00 1.10 1.20
EUR 0.50 0.60 0.70 0.80 0.80 0.90 1.00 1.10

*) No longer actively offered

**) Note:

Account Balance Bands in USD Account Balance Bands in EUR

A: Term Deposits 1,500 - 24,999
Passbooks with no termination period 250 - 24,999
Passbooks with a termination period 500 - 24,999

B: 25,000 - 49,999

C: 50,000 - 244,999

D: 245,000 - 485,000

individually set rates over USD 485,000

A: Term Deposits 1,000 - 17,999
Passbooks with no termination period 200 - 17,999
Passbooks with a termination period 400 - 17,999

B: 18,000 - 34,999

C: 35,000 - 179,999

D: 180,000 - 355,000

individually set rates over EUR 355,000

Our bank’s employees will be glad to inform you about the interest rates on deposits in other currencies, upon request.

Basic Rates on Loans

Referential interest rate for non-business loans:

  • IRS 5 years (for retail loan products) as at 2 April 2013: 1.00%
  • PRIBOR 1 month as at 2 April 2013: 0.31%
  • PRIBOR 3 months as at 2 April 2013: 0.47%
  • EURIBOR 1 month as at 2 April 2013: 0.117%
  • EURIBOR 3 months as at 2 April 2013: 0.210%

Basic interest rates for business and corporate accounts:

  • Basic Sberbank CZ interest rate for overdraft facilities (for loans in CZK) as at 1 April 2011: 3.00%
  • Basic Sberbank CZinterest rate for overdraft facilities (for loans in EUR) as at 1 Aug. 2011: 3.40%
  • Basic Sberbank CZ interest rate for investment loans (for loans in CZK) as at 1 April 2011: 3.50%
  • Basic Sberbank CZ interest rate for investment loans (for loans in EUR) as at 1 Aug. 2011: 3.90%

Interest Rate Archive

List of Fees

Exchange Rate List as at 23.05.2013

Calendar
Foreign currencies Value
Currency Units Buy Mid-market Sell Buy Mid-market Sell
AUD AUD 1 19,268 CZK 19,611 CZK 19,954 CZK 18,730 CZK 19,610 CZK 20,490 CZK
CAD CAD 1 19,256 CZK 19,599 CZK 19,942 CZK 18,720 CZK 19,600 CZK 20,480 CZK
CHF CHF 1 20,330 CZK 20,692 CZK 21,054 CZK 19,760 CZK 20,690 CZK 21,620 CZK
DKK DKK 1 3,439 CZK 3,500 CZK 3,561 CZK 3,340 CZK 3,500 CZK 3,660 CZK
EUR EUR 1 25,644 CZK 26,101 CZK 26,558 CZK 25,320 CZK 26,100 CZK 26,880 CZK
GBP GBP 1 29,946 CZK 30,479 CZK 31,012 CZK 29,110 CZK 30,480 CZK 31,850 CZK
HRK HRK 1 3,396 CZK 3,456 CZK 3,516 CZK 3,300 CZK 3,460 CZK 3,610 CZK
HUF HUF 100 8,899 CZK 9,058 CZK 9,217 CZK 8,650 CZK 9,060 CZK 9,470 CZK
JPY JPY 100 19,235 CZK 19,578 CZK 19,921 CZK 18,700 CZK 19,580 CZK 20,460 CZK
NOK NOK 1 3,426 CZK 3,487 CZK 3,548 CZK 3,330 CZK 3,490 CZK 3,640 CZK
PLN PLN 1 6,124 CZK 6,233 CZK 6,342 CZK 5,950 CZK 6,230 CZK 6,510 CZK
RUB RUB 100 63,709 CZK 64,844 CZK 65,979 CZK 61,930 CZK 64,840 CZK 67,760 CZK
SEK SEK 1 3,003 CZK 3,056 CZK 3,109 CZK 2,920 CZK 3,060 CZK 3,190 CZK
USD USD 1 19,921 CZK 20,276 CZK 20,631 CZK 19,670 CZK 20,280 CZK 20,880 CZK
Complete FX Rate List