Credit card
with an interest rate of 13.9%
1 free ATM withdrawal

Post-warranty repair service for appliances

Repairs at household up to CZK 10,000

1 free ATM withdrawal in Europe and Czechia monthly

Interest-free period of up to 45 days

Do you need Home Assistance Services? Call + 420 266 799 787


  • Separate your finances in connection with day-to-day expenses , vacation or online payments

  • Purchase a household appliance on instalment credit terms, but you do not want to apply for hire purchase again

  • Occasionally withdraw cash without any fees using your credit card

  • Benefit from post-warranty repair service for your appliance free of charge

Something extra

Why the 4U card is better than other credit cards


Selected price list items

Annual fee for card
Free of charge
Annual fee for issue of second card to credit account
Free of charge
Monthly fee for administration and management of credit account
Free of charge
Monthly automatic payment in interest-free period
Free of charge
Services in the price of card
Optional Repayment Insurance Option,
Optional Household Assistance Service
Cash withdrawal from ATM in the Czech Republic and other 44 european countries
1 withdrawal monthly free of charge,
next CZK 59
Cash withdrawal from ATM abroad - other countries
CZK 99
Change of PIN in KB ATM
Free of charge



Leave it all up to us. Leave your contact information – we will call you back.


Select a branch, leave your contact information – we will call you back.


Get the service online – directly in the MojeBanka application.



  • 4U Card is a contactless embossed credit card
  • Draw up to CZK 30,000 without proof of income
  • Benefit from an interest-free period of up to 45 days
  • Repay your outstanding balance in full or only pay 3% per month plus interest
  • Quick and secure payments all over the world and even online
  • Suitable complement to a MůjÚčet / MůjÚčet Plus account or a student account
  • With automatic repayments, we will make payments for you – alternatively, you can set up automatic card repayment during grace period free of charge
  • Check out our example


  • Card issue and maintenance free of charge
  • Automatic repayment during grace period free of charge
  • 1 cash withdrawal from any ATM in the Czech Republic and Europe free of charge each month
  • Interest rate of 13.9%
  • Optional payment protection insurance free of charge
  • Optional Home Assistance services free of charge. For more information, see the below documents
 Home Assistance services
Available assistance services Maximum coverage
Electricians CZK 10,000 incl. VAT
Plumbers CZK 10,000 incl. VAT
Heating engineers CZK 10,000 incl. VAT
Gas engineers CZK 10,000 incl. VAT
Glass workshops CZK 10,000 incl. VAT
Locksmiths CZK 5,000 incl. VAT
Post-warranty repair services for home appliances CZK 5,000 incl. VAT 
Pest control CZK 5,000 incl. VAT
Removal of wasp/hornet’s nests CZK 5,000 incl. VAT
Cleaning after household emergencies Organization
Handyman services  Organization
One-time household cleaning Organization
IT assistance – remote access 60 minutes
Telehealth services 30 minutes

Simply visit one of our branches or use the MojeBanka application, if you are a KB client.

In order to apply

You must be over the age of 18 and be a Czech citizen or have a permanent residence / residence permit in the Czech Republic.

You will need the following documents

Prepare a valid identity card.  

Documents for download:

Conditions of Home Assistance Services from 1.5.2021​ (Czech version only, PDF, 254 kB)

Payment Card Guide (Czech version only, PDF, 477 kB)

Product Acquisition Form (Czech version only, ZIP, 19,3 kB)

Insurance Terms and Conditions Governing the Optional Collective Payment Protection Insurance for Credit Cards (PDF, 514 kB)

4U credit card offer (PDF, 277 kB)

Terms and Conditions Applying to Credit Cards (PDF, 320 kB)

4U Card e-flyer (Czech version only, PDF, 1 MB)

Good to have