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Personal Finance
Account reward?
Certainly.
Open a personal current account and enjoy a monthly reward of 500 CZK for six months. All you need to do is to make 10 card payments per month.
Zero account maintenance fees
Our account is free of charge and comes with free withdrawals from ATMs of all banks around the world.
Free ATM withdrawals
Don't worry about finding the right ATM. Withdraw from any ATM in the world free of charge and free of any conditions. Excludes fees charged by third parties.
Enjoy a 500 CZK monthly reward for six months
Don't have a personal current account with us yet? Become our new client and you can get 500 CZK per month from us for half a year.
Reward rules
- You are over 18 years old.
- You are a new client for whom we did not maintain another personal current account in the 6 months before opening the account, and you have not yet participated in the "6× CZK 500 to your current account" promotion.
- You open a personal current account with Raiffeisenbank between 6 January 2025 and 31 March 2025.
- Over the next six months, you can earn a reward of CZK 500 for each calendar month in which you make 10 card payments. You can get up to 6× 500 CZK in total.
Easy to use and pay
Mobile banking
RB mobile banking is absolutely secure and lets you arrange for everything you need in a few clicks – open an account, make all common transactions or take out insurance. You can do it on your way to work or to the airport.
- You can quickly see your account balance and have instant access to your payment history.
- All the information and your banking products are available conveniently in one place.
- Use Touch ID or Face ID to sign in. It’s easy, fast and secure.
- Your debit or credit card PIN is at hand in your mobile banking whenever you need it.
Internet banking
RB’s modern high-security RB internet banking gives you everything you need to manage your account. All your payments, cards and loans are available in one place.
- Signing in to banking using two-factor authentication is maximally secure and lets you easily access your account from any computer.
- You can set up all payments and limits or manage standing orders and direct debit mandates.
- Convenient activation and blocking of your cards is another standard feature.
- The banking also gives you an opportunity to take out other banking products, such as a loan or credit card, in no time.
Smart payments
In addition to the traditional card, you can use your mobile phone or smartwatch to pay. Be smart.
Available payment apps:
Apple Pay, Google Wallet, Raipay, Garmin Pay, Fitbit Pay, Niceboy Pay, SwatchPay, ZeppPay, Xiaomi Pay
Payment cards
Shop securely in traditional stores and online with our contactless payment cards. You also get a free debit card Visa Classic with your free current account.
Mobile banking
Internet banking
Smart payments
Payment cards
RB mobile banking is absolutely secure and lets you arrange for everything you need in a few clicks – open an account, make all common transactions or take out insurance. You can do it on your way to work or to the airport.
- You can quickly see your account balance and have instant access to your payment history.
- All the information and your banking products are available conveniently in one place.
- Use Touch ID or Face ID to sign in. It’s easy, fast and secure.
- Your debit or credit card PIN is at hand in your mobile banking whenever you need it.
Popular account benefits
Our current account is really free of charge.
You do not pay anything for opening or maintaining the account. All standard services are free of charge.
Account opening, maintenance and closing
0 CZK
Withdrawals from ATMs all over the world
0 CZK
Incoming and outgoing payments
0 CZK
Savings account with favourable interest
0 CZK
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 CHYTRÝ účet?
-
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 18 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.
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.