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For clients with monthly income exceeding 50,000 CZK

FREE if used actively

Debit MasterCard GOLD BASE payment card

Benefits of PRÉMIOVÝ účet

Professional financial advisory - Premium Way

One FREE incoming or outgoing foreign payment outside EEA per month

The account price includes two debit cards and one RB PREMIUM credit card

Inter-bank payments to/from Česká spořitelna, AIR Bank, CREDITAS and Komerční banka done in seconds

PRÉMIOVÝ and EXKLUZIVNÍ účet compared

Free maintenance With monthly turnover on the account of at least 50,000 CZK in one or two transactions With at least 1.5 million CZK held in deposits and investments at Raiffeisenbank
Debit card included in the price Debit MasterCard GOLD BASE Debit MasterCard GOLD
Savings account on preferential terms Spořicí účet XL Spořicí účet GOLD
Payments outside EEA included in the price One incoming or outgoing foreign payment per month Unlimited number of incoming foreign payments
Standard monthly price 250 CZK 750 CZK
Price if used actively Free of charge Free of charge

Free if used actively

We will maintain your PRÉMIOVÝ účet free of charge if you use it actively. That means that the sum of incoming payments in a particular month is at least 50,000 CZK. Only the two highest incoming payments in a month are considered.

Otherwise, the monthly fee applicable to PRÉMIOVÝ účet is 250 CZK. However, we only charge the monthly fee if you fail to meet the conditions of active use two months in a row.

Active use is evaluated for the preceding month; for example, account activity for August is evaluated on 30 September.

Professional financial advisory - Premium Way

Every stage of life brings different challenges, defining the priorities of your financial needs. We are able to respond to any such need in a professional manner, proposing an optimal solution matching your specific situation in life. Our PREMIUM WAY exclusive service gives you long-term professional care tailored to meet your current needs.

Other benefits of PRÉMIOVÝ účet

  • FREE withdrawals from ATMs of all banks in the Czech Republic or abroad
  • Up to 19 currencies under one account number (CZK, EUR, USD, GBP, CHF, JPY, CAD, PLN, HUF and more)
  • Higher interest applied to your Spořící účet XL
  • Unlimited number of EUR foreign payments within EEA
  • One incoming or outgoing foreign payment per calendar month in addition to EUR foreign payments within EEA
  • 1% off the interest rate of your Hypotéka na bydlení mortgage loan
  • 1,000 CZK interest-free reserve to prevent unauthorized account overdraft
  • Mobile phone payments using RaiPay and ApplePay