Instalment programme

The programme allows you to transfer money from your credit card to your current account or split selected transactions made into monthly instalments at a more favourable rate than the standard interest rate applied to your credit card. You can have multiple programs under one card at the same time.  

• Instalment Buying
  It allows you to split a payment at a merchant from 2,000 CZK into monthly installments with an individual interest rate. It’s especially useful for bigger purchases, like a fridge or a smartphone. Plus, you can save thanks to the lower interest rate.
• Cash to account
  Need cash in the tens of thousands of CZK? Transfer at least 5,000 CZK from your credit card to your current account and repay the transfer in regular monthly installments with a lower interest rate than the standard one. You can check the availability of this service in your banking. If it’s available, you’ll see the money transfer offer to your account in your credit card details.
• Automatic Instalment Buying 
  If you want to get a better interest rate for purchases and cash withdrawals between 2,000 and 6,000 CZK, call Customer Service. The banker will confirm during the call whether you can apply for the service. Thanks to the lower interest rate, you can save money.

Once a purchase is posted, choose the particular payment in mobile or internet banking and set up the number of instalments.   

You don't need any documents, you don't pay any fees and you don't enter into a new contract. Everything is done within the scope of the existing credit card agreement. The interest-free period continues to apply to all payments at merchants that you do not include in the Instalment programme.

You can submit the application in internet or mobile banking, or call the Client Line.

• Instalment Buying 
  In your banking, open the card detail, specifically the Transaction history section. For a posted transaction of your choice (min. 2,000 CZK), click Apply and set the repayment term. 
  A notice about the option to split the payment into installments will appear for your three highest payments. If you don’t see it for another payment but want to pay it in installments, contact our Customer Service.
• Cash to account
  In banking, you can find the pre-approved Cash to Account offer in your credit card details (in mobile banking, it’s also under the Services tab) or in the Offers section (shopping cart icon). Just open the offer, enter your account number, amount, and repayment period. Then simply confirm the transfer of money from your card to your account.
• Automatic Instalment Buying
  Please call our Customer Service at +420 412 440 000.