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All of KB's offers
2 in 1 Mortgage
Do you want to buy your own apartment or to build or renovate your own house? Would you like to get money other purchases as well as housing? Then Mortgage 2 in 1 is just for you - it's a loan allowing you to get money for anything! Mortgage 2 in 1 joins the benefits of a mortgage and a consumer loan in one package, which Komerční Banka offers you with attractive conditions!
Agreement on the Administration of a Purchase Price
The nature of the Agreement is the payment of the purchase price in the amount resulting from the purchase contract, the commitment of the bank to take the purchase price into administration and to pay the administered purchase price under the agreed terms (administered amount) to the seller or to return it to the purchaser.
American Express Traveller's cheques
Are you concerned about the safety of your cash when traveling abroad? Do you want to be sure your money is safe? Then American Express Traveller's cheques are precisely what you are looking for. American Express Traveller's cheques are a safe and simple way to protect your money when traveling abroad. American Express Traveller's cheques offer peace of mind, are easy to use and can often be used in the same way as any other currency, being accepted by many hotels, stores and restaurants.
Authorized overdraft for individuals
Do you sometimes come into situations when you need to bridge a temporary lack of financial funds? The solution is an Authorized Overdraft. This is a simple credit product, which enables you to overdraw your current account. With an Authorized Overdraft, you do not need to be worried about your bill payments concerning your common needs or that the refund of standing orders will be missing.
Bankokarta
Do you need the ideal card for your every day payment needs? The first card to be issued with an EMV compliant chip in the Czech Republic ensures your complete security and peace of mind. Issued with either the Visa Electron or Maestro brand, this card allows you to withdraw cash from ATM's, or to make purchases in over 30 000 locations across the country.
Blue account
Do you have any active contracts of any product of Modrá pyramida stavební spořitelny, a.s. (Blue Pyramid Building Society, Inc.), and would you like to have a free package of products and services at the same time? We have got a Modré konto (Blue account) for you! In case your clear monthly credit turnover is equal to or higher than CZK 10,000, you can have a free checking account, control this account by means of phone banking Expresní linka KB (KB Express Line) or internet banking Mojebanka (Mybank), international card Modrá karta VISA Elektron (VISA Elektron Blue card) and have one free monthly withdrawal with this card from KB cash dispensers.
Blue account Plus
Do you have an active contract for any of the Modrá pyramida stavební spořitelna, a.s. (Blue Pyramid Building Society) products, and do you want to have a package of products and services free of charge at the same time? We have Blue account Plus for you! If your monthly net credit balance is equal to or more than CZK 25,000, you can have a checking account free of charge, have control over this account through telephone banking - KB Express Line and via Mojebanka Internet banking, international Blue Card - VISA Electron with one monthly withdrawal free from KB cash dispensers and a Blue Credit Card.
Blue loan
Are you a client of the Modrá pyramida Building Society 18 years of age or older? Do you need new equipment for your home? Does your car need to be replaced? The travel agency finally offered your dream vacation and you do not have enough money in your account? That is why we offer you the Blue Loan! No fees, no waiting time and no saving to get a credit to finance any personal needs. We will do all the paperwork fast, transferring the money directly into your checking account and it is only up to you how you use it. In addition, your loan can be insured for free against failure to make payments for reasons of long-term illness, job loss, disability or death.
Bridging mortgage loan
Have you ever negotiated a capital life insurance or a construction savings via Modrá pyramida stavební spořitelna? Would you like to combine them with a real estate investment and obtain your own housing? Use the Bridging Mortgage Loan. In case of a combination with your capital life insurance, you can fully finance your investment. The minimum amount is 100,000 CZK, the maximum amount is limited by your ability to re-pay the loan: e.g. by the amount of the investment into real estate, by the value of the pledged real estate and the contractual amount of construction savings or the amount of capital life insurance. The maturity date in case of the combination with the construction savings is from 1 to 8 years. In contrast, the case of a combination with the capital life insurance is from 5 to 30 years. At the same time, you can utilize state support by means of decreasing your tax base by paid interests, possibly by means of favorable interest rates.
Brouček children's life insurance
Are you looking for insurance coverage for your child, and do you also want to save money for your child for when he/she grows up? Are you looking for insurance for yourself and your child against injury or hospitalization? Then Brouček children's life insurance is the answer. This is insurance that parents or even grandparents can arrange for a child, and it offers flexibility in deciding about where to invest savings and how to affect future returns.
Building Saving
Do you need money for a new flat or family house or for reconstruction of your existing home? Construction Savings is currently one of the most favourable and reliable methods to achieve this through a combination of your own savings, State support and a loan from Construction Savings. You can use the advantages of Construction Savings for other purposes, not only for (re)construction. If you want to receive money more quickly you can ask for a bridging loan. Bridging loans can be granted at 0 % down payment - i.e. without the need for an initial down payment using the client's own savings.
Capital markets trading
Do you have free financial resources? Would you like to invest in stocks, bonds or mortgage bonds? Are you interested in trading on the Prague Stock Exchange? Then you may use the services of KB in the area of capital markets trading!
Car Insurance
Do you want to drive your car without worries? Our car insurance offers you self-contained and, at the same time,
an optional combination of insurance products for your car. You can select from the following insurance products:
All types of liability insurance for your car ('third-party liability'), three types of accident insurance,
other additional insurance (windscreen insurance, luggage insurance, above-standard assistance service,
injury insurance, hiring fee when your car is being repaired or insurance for the new price of the car).
In one contract you can get either third-party liability, as well as accident insurance with various insurance
companies and get comprehensive protection of the car under favourable terms in one contract.
Cash back - Cash withdrawal at a vendor's cash desk
Cash back will enable you to get cash from a cash desk while paying for goods or services by a payment card. The service applies for VISA, VISA Electron, Maestro and MasterCard payment cards (debit cards and credit cards) from Komerční banka.
Credit Card
Do you ever find yourself wondering how to come up with the money to buy the goods or services of your choice? Any such
worries can now be a thing of the past. All you have to do is choose from the international credit cards offer, which will
provide you with a permanent access to credit, regardless of the state of your current account at any given moment. You can
use it to make payments in shops or to withdraw cash from ATMs and across the counter in banks. A credit card is the only
source of credit that you can draw without paying interest. All credit cards of Komerční banka are equipped with a chip
technology for higher security of your financial resources.
From the credit card offer of Komerční banka you can now choose the embossed credit card MasterCard, which also provides
with a travel insurance for free, insurance which covers you and your direct relatives traveling with you, or you can select
the electronic credit card VISA Electron, which is issued free of charge and among others provides insurance of the ability
to repay for free, therefore you will not jeopardize the financial stability of your family during the hard times. When do you
use the KB internet banking and when do you have pre-approved credit limit, you can ask for the Credit card on-line via internet
banking service Mojebanka.
Are you a client of the Modrá pyramida Building Society? Blue credit card is here for you. Blue credit card offers not only
travel insurance, but also insurance of the ability to repay.
Domestic payments in cash
Domestic payments in cash allow you to make cash deposits and withdrawals in Czech crowns and selected foreign currencies at KB business locations. Cash can be deposited either at KB cash counters, through night safes or in a sealed package. Withdrawals are possible either using withdrawal slips at the client's home branch or by personal cheque throughout the KB branch network.
E-card
Would you like to be able to shop via the internet with complete confidence in the safety of your finances? If so, e-card is the payment product for you. Not really a card at all, the e-card is a virtual card which uses special security measures to ensure your on-line transactions are completed quickly and safely.
EKO loan
Do you want to live in an environmentally friendly manner and save on energy for heating, or do you need to insulate your house but you don’t have your own funds for buying new equipment?
Come to Komerční banka, which is cooperating with the State Environment Fund on the "Green for savings" programme, and ask for an EKO loan WITH AN ADVANTAGEOUS INTEREST RATE.
Expresní linka
Would you like to communicate with your bank easily and securely via the most up-to-date direct banking services? If so, we've designed the Expresní linka service (intended chiefly for Individuals and small businesses) so that you can use banking services at your discretion via the 955 551 551. By activating the extra Expresní linka Plus service you can also access your accounts via the internet. Expresní linka allows you to carry out normal banking operations and also offers you the possibility to discuss your financial affairs with experienced telephone bankers. For example, you can order selected products from KB subsidiaries directly over the telephone. Access to the service is secured by a PIN and password or by an optical key card.
Extra account
Do you want to manage your finances comfortably and efficiently? Then our Extra account is just for you. It's a convenient package of "all-in-one" financial products and services. For a single monthly charge you will get everything you need to make your financial life comfortable: a current account, telephone and internet banking, all internet transactions, two international payment cards with travel insurance, a virtual payment card for secure internet payments, the possibility to use an overdraft and an EUR current account.
Fénix Funds
Do you want to share in the yields of the capital markets but do not have enough time to monitor market developments every day? Do you want to invest regularly? In that case, Fénix funds are just the solution for you - a simple way of investing your free funds in the financial market. Without any unnecessary worries and constant monitoring of security prices, you get a product, which will make profitable investments on your behalf via open-ended share funds.
Flexible mortgage
Do you want to invest into your own housing and would rather have the option to flexibly change the level of your installments over the course of the repayment period? Do you want the option to defer the beginning of repayments for up to 12 months or to suspend repayments? Then the Flexible mortgage loan is the one for you - a loan, which adapts to your needs! The option to increase or decrease the level of your monthly installments, to defer of to suspend repayments, gaining up to 100% of the required amount and all services including valuation and insurance of the real estate in one spot!
Foreign system of payments
Foreign payment (payment or bank transfer) is the most widespread and simplest payment instrument in the international non-cash payment system. Foreign payment is a transfer of financial funds ordered by a client of one bank in favour of a client of another bank. Payments are carried out through interbank accounts of the sender's and the beneficiary banks or, if necessary, of intermediary banks.
G2
G2 is not just an account. It is a student package specially designed to fit youngster's needs. Would you like to have a cool, transparent payment card with travel insurance and all withdrawals from KB ATMs for free? Also overdraft up to CZK 20 000 and phone, internet and mobile banking? We have it for you! Moreover, you will be able to take advantage of several discounts at partners and possibly obtain a yearly bonus in amount of CZK 333.
Garant loan
Do you need more cash and do you have any non-business real estate for housing, which you are willing to use for collateral? You do not want the bank to review for what the money will be used? Then our special Garant loan is the right thing for you. It is a cash loan for any needs. The loan will be established fast and the conditions are more favorable than those of a standard cash loan.
Gaudeamus loan
Are you a university student (postgraduates count too), or studying at a college or secondary school? Do you want to travel abroad to study? Do you want to study an expensive language course? You don't have to save up or postpone your studies. If you are over 18 years old then we will give you a loan straight away and you don't have to start paying it off until after you finish studying if you want. We will sort the loan out quickly and you can choose whether you want the money paid directly to the account of the school (school fee) or if you want to have it sent to your current account and use it as you wish. Repayment of loan after graduation and transfer of loan funds to a current account applies only to students from universities and colleges. If you are a secondary school student then we will provide a Gaudeamus loan to your parents.
Gold Card MasterCard / VISA
Do you demand the maximum from your payment card? Gold cards have long been recognised as the pinnacle of payment services. Our Gold cards, issued in partnership with MasterCard and VISA, are the most recognised and welcome means of payment in the world. Open the door to another world and enjoy not only peerless service, but also juicy extras such as the Travel insurance to gold and silver cards for trips abroad, worldwide assistance service ÚAMK for motorists, and inclusion in the ČSA OK Plus Frequent Flyer program.
Guaranteed Structured Deposits
Are you looking for a better yield on large cash balances? One possibility are guaranteed structured deposits. This product extends our range of deposit choices and can offer higher returns assuming the client selects the proper investment strategy. The client makes the decision to use either a standard time deposit or a deposit bill of exchange (a deposit bill of exchange with a term exceeding a one month yields a higher return than a time deposit). This product's term is usually three months at the least and may be traded in Czech Crowns (CZK) or other deposit currencies (EUR, USD or GBP). The minimum deposit is 25,000,000 CZK or the equivalent in one of the mentioned currencies.
Child account
Would you like to open your child's first account and also give it a beautiful cuddly ladybird as a gift?
For our smallest clients - from birth up to the age of 15 - we offer an exclusive savings account: The
Child Account. Children can use the "piggy bank account" to save small cash sums, pocket money from parents
or grand-parents, or money they receive at Christmas or for good school results. The Child Account won't
burden the family budget as you pay nothing to open and maintain or make deposits.
Give a "grown-up" gift to your child! Ask your bank advisor for the children's payment card to Child account.
Ideal account
Are you looking for a single product that will take care of all your basic financial requirements and it is simple, easy to manage and gives you a financial safety? The Ideal account is a basic financial package that helps you manage your financial needs, comes with a free VISA Electron payment card and even has an overdraft facility.
IKS Mutual Funds
Would you like to valorize your spare finances by investing on the capital market, but can't or don't want to invest in securities directly? In that case, take advantage of the mutual funds offered by KB Investiční kapitálová společnost (KB Investment Capital Company), one of the most prestigious investment companies on the Czech market. The IKS family of funds offers various investment options with differing degrees of risk and investment periods.
Individual asset management
Do you have a considerable amount of money (at least 10 million CZK), which will be available for a longer period (a minimum of 6 months) and which value you would like to increse? Then the Individual Asset Management is the right thing for you. It is based on the establishment and management of a portfolio consisting of selected instruments on the financial market. This portfolio is managed by a responsible person in the Asset Management department of KB based on a contract and on the basis of authorization provided by the client. clientTrading is conducted on the client's account.
Inter Card MasterCard / VISA
Do you need the surety that your card will be accepted wherever you go? Have confidence that wherever your life may take you, your embossed Inter Card will have you covered. As well as satisfying every payment circumstance, Intercard also provides insurance for your travels abroad. You can choose from either Inter Card MasterCard, or a Visa card for the world's most accepted payment method.
KB Ametyst Flexi
Do you want to improve the value of your finances and at the same time limit the risk of a larger decrease in your investment? KB Ametyst Flexi will enable you to share in growth on global capital markets and simultaneously guarantees that during one year its value will not drop under 90% of the value of the share fund from the first business day of the given year.
KB Funds
Would you like to appreciate your available finances using capital markets, but do not want to or cannot invest directly in securities? In that case you can use the Komerční banka unit trusts, which are managed by one of the most renowned investment companies in the Czech market - Investiční kapitálová společnost KB a.s. The KB Funds family offers a number of opportunities for investing with varying levels of risk and a diverse investment horizon.
KB Guaranteed deposit
Have you been searching for a product which will allow you to valorize your free financial means and, at the same time, still give you the possibility to, in case of an urgent need, withdraw the money without any fee and any other penalties for premature withdrawal? Then the KB Guarantees Deposit is suitable for you, combining the possibility of attractive valorization with high liquidity.
KB Optimal Loan
Would you like to decrease the amount of your monthly installments and also save on your fees that you are obliged to pay together with your various loans? KB Optimal Loan is here right for you! KB Optimal Loan may be used for consolidation of your current consumer credit, credit cards and allowed overdraft. Obtaining the KB Optimal Loan is free of charge. Your total debt with KB Optimal Loan will not rise; on the contrary, you’ll see you’re monthly installments decrease. Moreover, KB Optimal Loan enables you to acquire repayment ability insurance for free.
KB Privátní správa aktiv
Would you like to increase the value of your free finances using the capital markets, but do not want to invest directly into securities? Do you expect a high quality of investment services and an individual approach in terms of reporting on the current performance and composition of your portfolio? In this case, Komerční banka has prepared a premium product just for you - KB Privátní správa aktiv, which combines the advantages of classic open-ended share funds and individual asset management, which you can invest in starting from CZK 1 million.
KB Saving account
Do you need a product which will allow you to valorize your free financial means better than any checking account and, at the same time, still allow you to have them available at any time? Then the KB Saving Account is suitable for you, combining the possibility of attractive valorization with immediate liquidity.
KB Top Saving account
Do you not want to risk but want to continuously, interestingly and safely valorize your free financial means significantly better than at any checking account and, at the same time, still want to have them available at any time for immediate use? Then the KB Top Saving Account with attractive interest rate, growing according to the deposit amount, is suitable for you, combining the possibility of attractive valorization with immediate liquidity.
Loan for notebook in three alternatives
Do you want a new super notebook computer for films, games and a bit for you schoolwork, too? Do you want it now rather than having to waituntil you save enough money for it? With a single loan for a notebook you can get it, with monthly instalments of less then five hundred Crowns. Moreover, the loan comes with no extra charges... And you get the accessories to go with the notebook according to the bundle you select.
Loan without risk - Perfect loan
Do you want to make your wishes come true right away, without waiting and still save your money? Have you ever wanted something, but realized you don't have enough money? Don't wait, buy it now. Take advantage of our Perfect Loan without any fees - a loan for all your personal needs. Perfect Loan is processed in 24 hours, the money is transferred directly to your current account, and its entirely up to you how you use this money. Your loan can be insured against non-repayment for following reasons free-of-charge: long-term inability to work, loss of job, permanent disability or death. When do you use the KB internet banking and when do you have pre-approved credit limit, you can ask for the Perfect loan on-line via internet banking service Mojebanka.
Loan without risk - Personal loan
Do you want to satisfy your wishes immediately, without waiting and saving? Have you found something you need or want but don't have enough money at the moment to buy it? There's no longer any need to wait. Our Personal Loan is designed to fund your personal needs (goods, services, car, holiday, spa cure, etc.). The Bank will arrange the loan within 24 hours. You can choose to pay directly to the supplier, or have the money transferred to your current account and use it later at your discretion. The loan can be insured free of charge against a failure to repay as a result of long-term illness, redundancy, disability or death. When do you use the KB internet banking and when do you have pre-approved credit limit, you can ask for the Personal loan on-line via internet banking service Mojebanka.
Merlin
Would you like to feel safe when using your card? Would you like to get protection against its loss or theft? Then the Merlin insurance is just the thing for you. Merlin is a worldwide insurance coverage, which will protect you against adverse consequences associated with any unauthorized use of your card in case it is lost or stolen. Merlin is the only insurance coverage, which will protect you in case of an unauthorized use of any cards, which were issued in your name by any bank located within the territory of the Czech Republic. Other risks covered by the Merlin insurance coverage include theft of cash withdrawn with your card, loss or theft of personal documents and/or keys, theft and subsequent unauthorized use of a mobile phone, as well as a theft of or damage to goods purchased and paid using a KB card.
Mobilní banka
The Mobilní banka service is a revolutionary direct banking service from Komerční banka designed especially for citizens and small entrepreneurs. Mobilní banka allows you to use banking services anywhere and at anytime using the display and buttons of your mobile phone. Mobilní banka combines the flexibility of telephone banking (you can operate your account from almost anywhere) and the comfort of Internet banking.
Mojebanka
Do you want to communicate easily with your Bank and make the most of your banking transactions
through the Internet? If so, then Mojebanka, a modern internet banking service from Komerční banka,
is just what you need. The service will enable you to receive information about your accounts,
carry out banking transactions comfortably from your home or office, at any time day and night,
regardless of branch business hours. The Mojebanka service is easy to use and comes with top
security protection based on electronic signature standards.
You can send an application for the personal certificate here.
Mojekarta
Would you like to have a card that nobody else has? Introducing a new Mojekarta service for you, with which you can propose for yourself how your card will look like. You can also locate a selected picture or photograph you like on its front. On the card, you could also have for example your favorite place, pet or your family and friends. This way you will not only be reminded of them whenever you use the card, but also you will get a unique and original card that nobody else will have.
Mojeplatba
Do you make internet shopping or pay for services via the internet and prefer a fast, simple and secure method of payment? Do you use the Mojebanka (MyBank) service? Take advantage of Mojeplatba (MyPayment), an efficient payment tool. On the store website you choose the option of payment via the Mojeplatba (MyPayment) service, the seller prepares a payment order for you and you confirm it immediately. The store will get paid for the goods or services online and can immediately dispatch the goods to you or provide the service for you.
Mopísek construction savings
Do you want to make profitable savings for your child? Do you want to make use of state support? Construction savings are currently one of the most advantageous methods of profitably saving your finances, not only for housing requirements.
Mopy junior construction savings
Do you want to make profitable savings for your child? Do you want to make use of state support? Construction savings are currently one of the most advantageous methods of profitably saving your finances, not only for housing requirements
Mortgage loan
Do you want to purchase a house or flat? Do you finally want to live in your own home? Do you need to solve problems related to co-ownership or inheritance? Do you want to buy a cooperative flat? Do you need money for the payment of the price of an apartment in the form of pre-paid rent? Take the advantage of our Mortgage loan, which will allow you to finance your investment goal. The minimum amount of the loan is 200,000 CZK, the maximum amount is limited by your ability to make repayments, investment value and price of the mortgaged real estate. The maturity of the loan is between 5 and 30 years. The period of interest rate settlement can also be chosen - between 1 and 10 years and 15 years. At the same time you can take advantage of a state financial subsidy and deduct interest from your tax base or receive favorable interest rates.
Non-cash domestic payment transactions
Do you need to transfer money between your accounts at Komerční banka or between your accounts at KB and accounts at other domestic banks? Then you will no doubt appreciate the benefits of our non-cash domestic payment transactions. Komerční banka accepts written payment orders for domestic payments from the client at the client's home branch. You do not have to waste your time queuing at the counter, because you can use self-serviced deposit boxes.Payment orders can also be made using direct banking products.
Patron
Do you want to financially secure your loved ones in the event of your death as a result of an accident? This is precisely what Patron accident insurance, a new product on the Czech insurance market, is designed to do. Patron is an insurance linked to a current account at KB, which, in the event of your death as a result of an accident, will help your family face immediate expenses at this very difficult time in their lives, as well as providing your loved ones with your average annual income for a 12 month period to enable them to maintain the standard of living they are accustomed to.
Pension Insurance
Do you want to live without financial worries when retired? The Pension Insurance with State contribution can help you. It is a long-term savings product allowing a client to accumulate sufficient funds to be drawn after retirement.
Perfect savings
Do you want to increase the value of your money with a higher interest rate than in a current account but still keep it completely safe? The Perfect savings product meets these requirements. You can deposit any amount you like here starting from CZK 5,000.00 for 3 years. Interest is credited to your deposit every 3 months. This interest is then available for you to use. If you urgently need to get at your funds, these will be made available for you immediately. Establishment, management and cancellation of the account are free of charge.
Perfekt account
Do you want a banking services package for an easy and comfortable access to your current account, immediately withdraw permitted debit up CZK 10,000, control your account any time through Expresní linka phone banking or Mojebanka internet banking, use Perfekt VISA Electron international payment card and have two KB ATM's withdrawals free of charge monthly? Open a Perfekt Account and your finance life will be just perfect.
Platinum
Is the card you carry an expression of your personality? Can you be satisfied with anything less than the most prestigious and best payment card issued in the Czech Republic? Are you demanding of yourself and of everything around you? Our Platinum card is designed just for you. Platinum, a card that will ensure your prestige, comfort and appreciation wherever your travels take you.
Premium account
Do you have demanding requirements for banking services? We have prepared the Premium account for you. It is an exclusive package of "all-in-one" products and services. For a single monthly charge you will receive above-standard service containing everything you need to make your financial life comfortable: a gold payment card, a second payment card for you or for those close to you, exclusive travel insurance, a current account with above-standard interest rates, telephone, mobile and internet banking, chip-card Můjklíč and a chip-card reader, all standard payment orders in CZK made by internet and mobile banking, a virtual payment card for secure Internet payments, the possibility to use an overdraft and an EUR current account.
Pre-mortgage loan
Would you like to buy a house or flat and own your own home? You don't have suitable real estate to secure a loan? Do you want to finance the construction or reconstruction of real estate based on an advance invoice only or do you want to construct a house yourself? Take advantage of this combination of a Pre-mortgage and Mortgage Loan. Once you have suitable real estate for security on a Mortgage Loan, you can fully repay the Pre-mortgage Loan using the Mortgage Loan. The minimum loan amount is CZK 200,000 and the maximum amount is limited by your ability to pay, the amount of investment into the real estate and the value of the mortgaged real estate. The maturity of the loan is 1 year. In the case of self construction or reconstruction, this period is 2 years.
Property insurance
Do you want to protect your property against the consequences of unexpected situations? Property and liability insurance will allow you to rest in peace without worrying about your home. It will protect your property against a whole series of unexpected events such as fire, floods, explosions, theft, over-voltage, damage by vandals etc. Third-party liability also covers you against the payment of damages caused by you to other subjects in daily life. This insurance covers not only you but also to your wife and your children. The assistance service will help you settle the consequences of damages.
Real estate loan
Do you want to invest in housing but don't want to or can't take out a mortgage loan? Do you want to purchase a cooperative flat? Do you need money to prepay the rent? Do you want to purchase a family house or a flat but don't have the real estate to secure the loan? Do you want to invest in the refurbishment or renovation of your flat? Komerční banka will help you to realise your plans immediately, without savings. We can offer you the Real estate loan, designed especially for housing investment. The Bank will arrange the loan quickly and offers favourable conditions compared to a usual consumer loan. The loan can be insured free of charge against non-repayment due to long-term illness, redundancy, disability or death.
Risk life insurance for mortgage loans
The payment protection insurance is intended for those who are applying for a mortgage loan of Komerční banka or are already repaying one. This insurance gives you the certainty that you will not get into any financial problems resulting from the need to repay your mortgage if you come across any difficult life situations. The basis is the insurance against death and total and permanent disability. You can also arrange insurance against inability to work and, in terms of the comprehensive option, also insurance against a loss of your job. If an insured event arises over the course of the insurance policy, the insurance company will pay the outstanding part of the loan to the bank or take over payment of your regular instalments. If you arrange this insurance, you also have the possibility of gaining a discount on the interest rate for your mortgage loan.
Safety deposit boxes
Do want to reliably prevent the loss or theft of your valuables and important documents? Then take the advantage of the chance to lease a KB safety deposit box. Safety deposit boxes, which can be used for the long-term or short-term safekeeping of assets valued at up to CZK 10 million, are located at KB storage facilities. Safety deposit boxes have two locks, each of which is different, so they can only be opened with the cooperation of the user and an authorized bank employee.
SEPA EuroPayment
So you make payments in EUR? Then SEPA EuroPayment is here for you - it is a European Council project for payment systems. The aim is to integrate the payment system and create a single euro payment area. It will enable payers to make cashless payments to the credit of payees anywhere in the eurozone using a single account and a single system of payment tools.
SGAM Funds
Would you like to invest in high quality foreign funds? Would you like to increase the value of your free financial resources in an interesting way in EUR, USD and CZK? SGAM foreign funds offer you the opportunity to invest in foreign currencies and to diversify your investments into various geographical areas and types of assets (money market, bond and equity funds).
Term account
Do you want to get a higher return on your invested money compared to the return offered on your current account and yet not increase the level of risk? These requirements are fulfilled by the Term Account. Here, you can deposit any amount starting from 5,000 CZK, possibly 1,000 EUR or USD, and all this for a couple of days (7 or 14), months (1, 3, 6 or 12) or even years (2, 3, 4, 5). In case of deposits below 12 months there is the possibility of automatic renewal during 5 years. As far as longer-time term deposits are concerned, every three months the interests are being added and you can operate with them. If you have any current account as a part of a package, you will get an interest bonus of 0.2% per year. In case of an emergency, the money of the deposits for more than 1 month will be immediately released. The opening, maintenance, and cancellation of the account are free-of-charge.
The Back and Forth Mortgage Loan
Do you want to stay calm when looking for your dream house? Are you planning on renovating your current place? Do you want to finance property that you have already acquired and to get money for whatever you want by doing it? Then the The Back and Forth Mortgage Loan is just for you, thanks to which you will obtain a guaranteed mortgage before you have chosen a specific property. The stipulated loan conditions are valid for up to 6 months - and, throughout the whole period, the KB guarantees a stipulated interest rate. You also have the option of getting money for an already paid for property and you can use the finances for anything you want!
T-Mobile Bonus card
Do you know how to get free minutes, SMS? MMS and other services from T-Mobile? Try credit card T-Mobile Bonus. This card is the only card allowing you to gain benefits of loyalty program T-Mobile Bonus and unique credit card functionalities in one!
TOP Offer
Do you have high requirements not only for yourself but also for the service you get? Do you mainly place an emphasis on quality and above-standard services? If so, then this exclusive package of financial products and services for very demanding clients is here for you.
Travel Insurance
Do you want to make sure your holiday or business trip doesn't turn into a nightmare of problems and
unexpected financial costs? Then there's no better solution than arranging travel insurance in combination
with suitable supplementary insurance. The foundation of this insurance is cover for medical expenses on your
travels abroad. In addition to this, you can also arrange the following types of supplementary insurance
cover: accident, third party liability, luggage and trip cancellation.
We also offer the Travel Insurance Programs with discount of 10% which are convenient for individuals and
also for families with children. They are available in two different variations differing in the scope of
hidden risks and have been intended for ten-day tours around Europe.
UNIcard
Do you want to be one of the first people who have a school, dining hall, library, travelling, restaurants and bank all in one card? If so, apply for the UNIcard. The UNIcard or, in other words, the combined university identification and payment card, is a unique solution of university students' everyday needs, offered by Komerční banka as the only bank in the Czech Republic.
Vital Invest
Are you looking for a way to valorize your money and, at the same time, protect yourself and your loved ones against adverse life situations? This is what the investment life insurance product Vital Invest offers you - a unique combination of fund investment and life insurance. With Vital Invest, you have the possibility of participating in decision-making about paid-in asset investment, thus influencing the achieved yield. You may extend the financial security for your nearest by arranging an accident supplementary insurance policy. Vital Invest is a modern, flexible product that you may continuously adapt to meet changing your demands and needs.
Vital Junior
Have you thought about your children's and grandchildren's future? Do you want to create a financial reserve that will help finance their studies, whether at home or abroad? Do you want to make it easier for them to start their independent lives? Vital Junior, a Komerční banka savings life insurance product, will help you to do just that, by generating sufficient funds for the realization of these goals through long-term safe saving.
Vital Plan
Do you want to find a practical way to save for the purchase of a home, weekend cottage, or a car? Do you want to go on a trip all around the world? Do you want to save with a guaranteed valorization, or are you looking for a one-off investment opportunity? Vital Plan, a Komerční banka savings life insurance product, will help you to do just that, by generating sufficient funds for the realization of your goals and dreams through long-term saving. This product is an ideal choice for those clients who wish to safely valorize their funds and at the same time achieve significant tax savings.
Vital Premium
Do you want to increase the value of a larger volume of your finances in a suitable and secure way? Are you looking for a one-off investment opportunity with a guaranteed increase in value? Do you want to have your money under your own control? Vital Premium, the premium life insurance from Komerční banka, could be the right choice for you.
Vital Renta
Do you want to maintain your standard of living even after you retire? The "pension" provided by the state is likely to be insufficient? Are you afraid of income reduction when you have retired? You do not need to be. Vital Renta, a Komerční banka savings life insurance product, is here for you. It will generate sufficient financial reserves for your retirement through long-term saving. Vital Renta is the right choice for those clients who wish to safely valorize their funds and achieve significant tax savings.
