Last Updated 1 year by Lukas
Let’s take a look together at the conditions for purchasing premium accounts in the Czech Republic and what benefits they offer. We will focus on the three largest banks operating in the Czech Republic, namely Komerční banka, Česko Slovenská Obchodní Banka and finally Česká Spořitelna. Together we will compare these accounts and write down their advantages and conditions.
Komerční Banka – Top Nabídka
Account Top nabídka offers these advantages:
- Free cash withdrawals from ATMs in the Czech Republic and abroad
- Maintenance of two additional current accounts (available in USD/EUR)
- Free Platinum Visa (maximum 2x)
- The card comes with Merlin insurance
- Travel insurance for the owner and his family
- Insurance against losses related to air travel
- Motorist assistance services
- Assistance services for cyclists
- Lifestyle assistance
- Dragon Pass Membership (Access to airport lounges, please note there is a fee to enter)
- Complimentary MasterCard World Elite credit card (Maximum 2 times)
- Premium service on the hotline, better conditions when arranging services
The account is free if (At least one of the following conditions applies):
- You have savings of at least CZK 3,000,000 with KB (or in other companies under KB)
- The income on your personal current accounts is at least CZK 100 000,- (Including one incoming payment of at least CZK 70 000,-) per month
- The sum of all your loan repayments with KB is at least CZK 30 000,- per month
- The sum of your loans is at least CZK 6 000 000,-
- You are a client in Komerční banka’s Private Banking service
- The account normally costs CZK 1 490,- per month
You can find more information at KB
ČSOB – Premium
Account Premium offers these advantages:
- Free cash withdrawals from ATMs in the Czech Republic and abroad
- Maintenance of one foreign currency account in 5 currencies (EUR, USD, GBP, CHF, CAD) free of charge
- Free Visa Infinit with the account
- Highest insurance option in case of loss or theft of the card (also personal belongings tablet, purse, bag, wallet, documents and keys)
- Free MasterCard World Elite credit card with the account
- Highest travel insurance for cardholder and family
- Exclusive rate of 7.9% p.a.
- Free Ulékaře.cz service membership
- Unlimited access to MasterCard lounges in Prague, Vienna and Bratislava
- Lounge Key membership + 4 free worldwide access to airport lounges
- Damage and theft insurance for 6 months for purchased items
- One year warranty extension
- Premium service on the hotline, better conditions when arranging services
- One of the 4 insurances offered can be added free of charge to a Premium account
- Rento – accident insurance
- Internet risk insurance
- Personal liability insurance
- Driver’s legal protection insurance
The account is free if (At least one of the following conditions applies):
- Monthly income to the account is at least 50 000,- CZK
- Savings and Investments with the ČSOB Group are at least CZK 1 500 000,-
- Mortgages with the CSOB Group are at least CZK 3 000 000,-
- And the account is actively used (One of the conditions is sufficient):
- At least 3x card transactions per month
- At least 2x paid service from ČSOB
- The account normally costs CZK 900,- per month
You can find more information at ČSOB
Česká Spořitelna – Premier
Account Premier offers these advantages:
- Free ATM withdrawals in the Czech Republic and abroad
- Premium cards Visa Infinit and MasterCard World Elite
- Premium interest rate of 9.9% p.a. for credit cards
- Lounge access
- LougeKey membership
- Travel insurance
- Autoasistence
- Emergency service
- Personal assistant services
- Priority handling of requests
- More favourable conditions within the Erste Group
The account is free if (At least one of the following conditions applies):
- The salary or wages coming into the account is in the aggregate amount of CZK 70,000 and at the same time the person has savings within the group, credit products of at least CZK 250,000
- You have savings and investments within the group of at least CZK 2 500 000,-
- You have savings, investments and credit products within the group totalling CZK 4 000 000,-
- The account normally costs CZK 2 500,-
You can find more information at ČS