PERSONAL ACCOUNT FOR FREE - CHYTRÝ ÚČET

FREE maintenance without any conditions
Cash withdrawals at ATMs of any bank in the CR at no charge
Credit card and debit card MasterCard STANDARD maintenance

What else you get for FREE

1% off the interest rate of your Hypotéka na bydlení
Higher interest applied to your saving account Spořící účet XL
Interest-free reserve of CZK 1,000 to prevent unauthorized account overdraft
Unlimited number of EUR foreign payments within the EU
Instant payments done in seconds between banks supporting the service
Account control using our Mobilní eKonto application

Detailed product information

Our account gives you common banking services FREE of charge without any conditions - that is the main benefit of CHYTRÝ účet. However, there is much more.

1% off the interest rate of your Classic Mortgage (Hypotéka na bydlení) and Quick loan (Rychlá půjčka)
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 18 currencies under one account number

CHYTRÝ účet is a multicurrency account. This means that you can hold up to 18 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.