eKonto SMART

Would you like to use standard banking services free of charge? Use eKonto Smart actively, and you will pay no monthly fee.

  • Account maintenance FREE OF CHARGE
  • An unlimited number of cash withdrawals from all ATMs in the Czech Republic free of charge
  • An unlimited number of domestic electronic payments FREE OF CHARGE
  • Maintenance of a credit card, debit card and a contactless sticker FREE OF CHARGE

Product information

The main advantage of eKonto Smart is that common banking services are free of charge for active users. We offer much more.

  • All deposits and one withdrawal at a teller per month FREE OF CHARGE
  • 1% OFF the interest rate on Hypotéka na bydlení
  • Preferential interest rate of 1.1 % in the Spořicí účet eKonto Flexi
  • Interest-free reserve of CZK 1,000 as a buffer against unauthorized overdrafts
  • Account administration using Mobilní eKonto
  • Account management in up to 9 currencies (CZK, USD, EUR, GBP, CHF, JPY, CAD, HUF, PLN)

What constitutes active use of the account?

  • The sum of incoming payments is at least CZK 15,000 per month
  • You perform at least 3 outgoing transactions per month

If you fulfil these conditions, eKonto Smart is free of charge. Otherwise the fee is CZK 99 per month.

Unlimited withdrawals from ATMs

do not apply to those ATMs whose use is subject to an additional charge. Usually, these are ATMs owned by non-banking institutions, and the cardholder is explicitly alerted to the charge on the ATM display and must consent to it for the withdrawal to be completed.

It is easy to open eKonto Smart. What do you need?

  • Identity card or another proof of identity
  • Residence permit in the Czech Republic or another proof of relation to the Czech Republic
  • Minimum age of 12 years
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