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Personal Finance
Personal account - AKTIVNÍ účet with extra services
Get an account with up to 17 currencies and free withdrawals at ATMs around the world.
One account for up to 18 currencies
Manage CZK, EUR, USD and other currencies under one account. Easy transfers and convenient exchange rates when you travel, shop or receive your salary abroad.
Unlimited payments
Domestic and EUR payments within the EEA are free. The first two incoming or outgoing payments outside the EEA per month are free.
Free ATM withdrawals
You can take out as much cash as you like from any ATM in the Czech Republic or abroad. This does not apply to fees charged by other banks.
What else you get
Detailed product information
Take full advantage of our banking services. With AKTIVNÍ účet you get a number of standard and superior benefits for one flat-rate monthly fee.
- Unlimited number of incoming and outgoing CZK and EUR payments from Slovakia's Tatra banka
- Secure payments at retailers with a credit card and embossed debit card
- Easy account administration in our modern Internet Banking
Up to 17 currencies under one account number
CHYTRÝ účet is a multicurrency account. This means that you can hold up to 16 other currencies in the account in addition to the Czech crown, such as EUR, USD or GBP. Everything is available to you in our user-friendly Internet Banking.
Convenient mobile phone payments
Make convenient, easy and secure payments using your mobile phone. You can add your Raiffeisenbank cards to the Apple Pay and RaiPay applications. Just download the app to your mobile phone and add the cards you wish to use.
Our branches are available throughout Czechia
- Do not forget to take your ID with you to open the account.
- If you are under 18, please come see us with your statutory representative.
- Certainly, at the branch office we will also assist you with transferring your account from another bank.
Frequently asked questions
What do I need to open my AKTIVNÍ účet?
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Your ID card or another proof of identity
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Czech residence permit or another document establishing your relation to the Czech Republic
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You must be at least 12 years old
If you are under 18, you need to conclude the contract in the presence of your statutory representative and submit your birth certificate and ID card, if you already have one.
How much does AKTIVNÍ účet cost?
The fee charged for AKTIVNÍ účet maintenance is 49 CZK per month. More information is available in the Price list of products and services.
Are any ATM withdrawals subject to an extra charge?
Unlimited ATM withdrawals do not apply to ATMs subject to an extra fee charged by the ATM operator. Usually, these are ATMs of non-banking institutions and the extra fee is usually explicitly mentioned to the cardholder on the ATM display to approve it in order to proceed with the withdrawal.
What do I need to transfer my account to Raiffeisenbank?
To transfer an account, you need to visit any of our branch offices with your ID card and account statement or list of payments. We will take care of everything on your behalf within the statutory term of 13 business days.
Are there any fees associated with the change of the bank?
We are pleased to be your new bank. Thus, the service is completely free of charge.
If I decide to transfer my account to you, do I have to transfer all my regular payments along?
We will complete a bank change request together when you visit our branch office. In the request, you choose whether we will transfer your payment operations as a whole or just some of them. Also, we will give you an opportunity to close your original account and transfer the balance to your new account held with Raiffeisenbank.