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Personal Finance
We recommend that you transfer your money elsewhere before the account is closed. If you keep multiple currencies in your account, you can settle the balance in the currency of your choice. Balances of secondary currency components can be automatically converted to the main currency when closing an account according to the product terms. However, a balance greater than the equivalent of CZK 10,000 in the relevant currency that we can pay in cash will be retained in the original currency without conversion.
We send you a closing statement when the account is closed. Any balance is paid out in cash at a branch office with a cash desk. Or, you can request the balance of the closed account to be transferred to another account. The request must be made in writing (bearing your certified signature) or at any branch office.
All your future payments, standing orders, direct debits or SIPO will be cancelled free of charge when closing your account. The same procedure applies to services such as Pay to Phone or RB směnárna. The closing date is stated in the termination notice. Until then, you can use your account as you are used to.
Do not forget to notify the change of your account number to your employer, the tax administration, the Czech Social Security Administration and other organizations.
If you are using other products as well, please take a look at more detailed information about such products.
Your debit cards will be cancelled along with your account. Any supplementary insurance taken out will also cease to apply. You do not have to return the card to us, just destroy it by cutting the magnetic stripe and throw it away.
Your savings account will be closed with the current account. Until then, you are free to use it. You have time to transfer your money from the savings account elsewhere before the termination notice comes into effect.
Savings accounts originally opened with Equa bank, which operate independently without a current account, are terminated by separate notice.
Your term deposit will be terminated along with the current account without penalties. The money will be paid out to the current account, including any interest corresponding to the term of savings.
Do you hold a term deposit denominated in a currency other than the main currency folder of your current account? Call the client line at 412 440 000 (every day between 7 a.m. and 10 p.m.) or visit a branch as soon as possible. We will arrange for the termination individually in order to avoid unnecessary conversion to the main currency.
You will retain access to digital channels for 6 months after the termination.
You are free to use your account until the account closing date announced in the letter. After that date, it will not be possible anymore. However, after signing in to your banking, you will see your retained products, such as consumer loans, mortgages, etc.
If you have not received a separate notice of termination regarding your credit card, you can continue to use the card. We will only cancel any direct debit from the account.
The termination of the current account agreement does not apply to your investment portfolio. Thus, unless you have received a separate termination notice, you can continue to invest with us.
Termination of your current account does not affect your building savings and the schemes remain with you.
Make sure your account does not show negative balance. Your personal overdraft must be settled before the current account is closed. Otherwise, it will be automatically declared due and payable. The debt will be subject to our collection processes and reported to the relevant registers.
Mortgages are not affected by the closing of your account. We will send you instructions regarding further repayment. You will need to set up a new payment order from a different account.
Your consumer loan stays the same. We will send you instructions regarding further repayment. Thus, you will need to set up the payment of instalments from another account.
Any insurance directly linked to your account or debit card will be automatically terminated along with your account free of charge.
Settle your overdraft facility before closing your business account. It automatically expires with your account and if you fail to settle it, it becomes a debt. If you want to set up a payment schedule, contact our receivables department at 840 11 45 55 (weekdays between 8 a.m. and 7 p.m.) or visit a branch.
Your business loan, including insurance, stays the same. We will send you instructions regarding further repayment. Thus, you will need to set up the payment of instalments from another account.