Saving and Investing

Complete overview of products and services included in the section Saving and Investing

This list contains an overview of the products and services included in the Saving and Investing section of Komerční banka. The product and service overview is arranged in alphabetical order.

• Amundi Foreign Funds

  Amundi  foreign funds represent high quality investment opportunities. Possibility of investment into foreign currencies and diversification of investment into various geographical locations and various types of assets.

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• Building Savings

  Building savings is one of the most advantageous methods of financing housing, but also for saving any required financial amounts. A combination of your own savings, state support and a loan from Building savings guarantees a reliable source of funds for housing. You can also save advantageously for other purposes. To speed up your path to funds, you can apply for a bridging loan.

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• Czech Government Savings Bonds

  Komerční banka is a distributor of government savings bonds.

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• Foreign currency term deposit account

  Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from EUR 1,000 or USD 1,000 for the period you deem appropriate (from 1 week to 5 years). The interest rate is guaranteed throughout the term of the deposit. The account opening, maintenance, and cancellation are FREE OF CHARGE.

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• Guaranteed Structured Deposit

  Guaranteed structured deposits extend the offer of deposit products and with a correctly selected investment strategy offer clients a higher income from free funds. The client chooses the method of making the deposit: In the form of a term deposit or deposit bills of exchange. The maturity of the transaction is usually at least 3 months from the date of issue. The minimum volume of one transaction is CZK 25,000,000 or the equivalent of this amount in another of the stated currencies.

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• Children account

  The Children account is for our littlest customers from birth until the age of 15. The Children account does not burden the family budget. You pay nothing for its establishment, administration, deposits, withdrawals and sending of statements! Give your child a “grown-up“ present! There is also a children payment card to go with the Children account!

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• IKS Mutual Funds

  Possibility of increasing the value of free funds via the capital markets if you do not want to or cannot invest directly into securities. The offer of mutual funds from Investiční kapitálová společnost KB ranks it among the most prestigious investment companies on the Czech market. The IKS Family of funds provides a wide range of possibilities for investing with a differing level of risk and various investment horizons.

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• Individual Asset Management

  Possibility of increasing the value of your free funds. The essence of the product consists in creation and active management of a portfolio made up of selected instruments on the financial and capital market. This portfolio is managed by a portfolio manager from Investiční kapitálová společnost KB. Trading takes place in the client's accounts.

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• KB Absolut Return

  A fund for short-term investments of 12 to 18 months intended for conservative investors. The objective of the fund is to generate annual returns at the level of the CNB (Czech National Bank) base rate + 1.5%.

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• KB Ametyst Flexi

  A better increase in value of funds with no risk of any significant decrease in your investment. KB Ametyst Flexi allows you to participate in the growth of the global capital markets. It also guarantees that over the course of one year its value will not fall below 90% of the value of the mutual fund from the first business day of the given year.

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• KB Funds

  Increasing the value of free funds via the capital markets for those who do not want to or cannot invest directly into securities. The offer of mutual funds from Komerční banka is managed by one of the most prestigious investment companies on the Czech market – Investiční kapitálová společnost KB a.s.

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• KB Guaranteed Deposit

  Increase in the value of free funds and the possibility of withdrawing your money early at no charge if you suddenly need access to it. The KB Guaranteed deposit combines attractive appreciation with high liquidity.

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• KB Private Asset Management

  Increase in value of free funds via the capital markets if you do not want to invest directly into securities. High quality of investment services and an individual approach to reporting about the current performance and composition of the portfolio. KB Private asset management combines the advantages of classic open-ended mutual funds and individual asset management, which you can invest in starting from CZK 1 mil.

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• KB Profiled Funds

  KB Profiled Funds represent a simple way of investing disposable financial funds for both beginners and experienced investors. Without the worries and constant monitoring of the securities prices, you will get a product, which actively and effectively manages your funds.

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• KB Savings Account

  Effective continuous increase in value of your free funds and also the possibility of access to your funds whenever you need. The KB Savings account combines attractive appreciation with immediate liquidity.

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• KB Savings Account Bonus

  A high level of appreciation of free funds with the possibility of access to your money whenever you want. The KB Bonus Savings account combines the advantages of a classic savings account and a special bonus as a reward for depositing your money with KB. Of course there are no fees for establishment or management of the account!

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• KB Top Savings Account

  A significantly better continuous and safe increase in the value of free funds than with a classic current account. The KB Top Savings account with an attractive interest rate that grows according to the size of your deposit, which combines attractive appreciation with immediate liquidity.

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• Mopísek Building Savings

  Mopísek is an advantageous building savings product for your child up to the age of 10. State support, not only for housing.

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• Mopy Junior Building Savings

  Mopy junior is an advantageous building savings contract for young people aged 11 to 21, with state support, not only for housing.

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• Perfect Savings

  Take advantage of the attractive annual interest rate up to 2.50% and benefit from safe valuation of your funds. Use the Perfect Savings and deposit any amount exceeding CZK 5,000 for the period of 2, 3, 4 or 5 years, whereas the interest rate is guaranteed throughout the term of the savings. Any accrued interest is credited every 3 months. If need be, the deposited funds will be released immediately. The account is set up, maintained, and cancelled free of charge.

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• Supplementary Pension Insurance

  Supplementary pension insurance with a state contribution – financial security for your old age. A long-term savings product for creation of sufficient financial reserves.

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• Term deposit account maintained in CZK

  Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from CZK 5,000 for the period you deem appropriate (from 1 week up to 12 months). The interest rate is guaranteed throughout the term of the deposit. In case you own any of the specified current account packages, you will receive additional interest rate bonus of 0.2% per annum. The account opening, maintenance, and cancellation are FREE OF CHARGE.

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• Trading on Capital Markets

  Investment of free funds into shares, bonds and mortgage bonds. Possibility of trading on the Prague Stock Exchange. All of this in terms of KB services in the field of Capital market trading.

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• Trading with Debit Notes

  Provision of purchase and sale of bonds on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.

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• Trading with Debit Notes on the Prague Stock Exchange

  Procurement of purchase and sale of bonds on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.

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• Trading with Securities

  Provision of purchase and sale of shares on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.

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• Trading with Securities on the Prague Stock Market + E86

  Procurement of purchase and sale of shares on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.

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• Vital Invest

  Vital Invest investment life insurance: A unique combination of investing into funds and life insurance. With Vital Invest, you decide on investment of deposited funds and influence the income achieved. Vital Invest is a modern and flexible product, which you can continuously adapt to suit your changing demands and requirements.

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• Vital Premium

  Vital Premium is premium life insurance from Komerční banka. Advantageous and secure appreciation of a larger volume of funds. Insurance, which adapts to suit your requirements and expectations.

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• Warrant Trading

  Procurement of purchase and sale of warrants on the Prague Stock Exchange (PSE) or on international markets including settlement of the transaction and administration – c-client.

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