Optimal loan

Consolidate your loans, overdrafts, and credit cards up to CZK 2,500,000

Save up to several
thousand a month

CZK 5000 monthly*

Possibility to lower your interest rates and instalments

Receive additional funds for anything

Set your own payment date, for instance, right after your payday

We will consolidate your loans of up to CZK 2,500,000


All your loans will turn into one. You will save on loan instalments and account maintenance fees. You do not need to worry about payment dates or loan termination with your existing banks - we will handle everything for you.


Selected price list items

Processing and evaluation of loan application
Free of charge
Monthly credit administration (for contracts concluded as of 1. 1. 2013)
Free of charge
Changes in contract - personal data of a client, change of the account number (within KB only) for the credit redemption, or change of the statement of the account form, additional submission / cancel
Free of charge
Credit account statement - Electronically
Free of charge
Premature repayment
Free of charge


By phone

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

At a branch

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


Get the service online – directly in the MojeBanka application.



  • Loan intended for consolidating all your outstanding loans from CZK 30,000 to CZK 2,500,000
  • It also applies to credit cards and authorised overdrafts
  • Consolidate your loans and receive some extra money to use for anything
  • Maximum loan maturity is 10 years
  • Payment protection insurance may be useful with your loan
  • Where can you find information about your loan?

    Everything you need to know is available in the MojeBanka internet banking and Mobilní Banka mobile banking applications. Detailed information is also specified in your loan agreement.

  • What day is your instalment payment due?

    The specific instalment payment day is shown in your internet / mobile banking. In general, consumer loans are repaid on the 8th, 12th, 16th or 20th day of each month.

  • Would you like to change the payment date?

    To change your instalment payment date, visit a KB branch. We recommend aligning your payment date with your pay date.

  • No payment made?

    In case we do not receive your instalment payment in time we will notify you via a text message and e-mail free of charge. You can then immediately pay any outstanding amount and prevent registration in the credit bureau registers, written reminders, and sanctions.

  • Are you unable to make payments?

    Payment protection insurance will protect you in the event of injuries, long-term incapacity for work, job loss, and other adverse events. The insurance company will pay the relevant instalments or outstanding loan amount, as appropriate, for you. We recommend that you regularly set aside at least 10% of your income to cope with unexpected situations.

  • Have you lost your job?

    Please address the situation as soon as possible. In case you know it is a temporary problem it is possible to agree on postponement of payments. If you have Payment protection insurance the insurance company will pay the relevant instalments or the outstanding loan amount, as appropriate, for you.  

  • Would you like to assign your loan to someone else?

    The assignment shall be subject to acceptance of the new debtor (i.e. the debtor’s ability to repay the loan) by the bank or the provision of sufficient security.

  • Do you have any other questions?

    Contact your relationship manager or call our information line at 800 521 521.

  • Consolidate all your liabilities to lower your total monthly payments
  • Overview of all your existing liabilities as a result of the consolidation process
  • Save on fees associated with your existing loans
  • No fees for loan processing or maintenance
  • Benefit from an attractive interest rate
  • Set your own instalment payment date, for instance, right after your payday
  • Repay your loan early at any time without any fees

The original monthly installments of the client were CZK 7,800. After consolidation of all products, we received monthly repayment of CZK 2,739, the monthly savings of the client is CZK 5,159.

Which products have we consolidated?

Consolidated product The original amount of the loan Monthly payment Current loan amount
Credit card CZK 30,000 CZK 1,600 CZK 25,000
Personal loan CZK 230,000 Kč CZK 5,000 CZK 165,000
Allowed debit CZK 15,000 CZK 1,200 CZK 10,000
Total CZK 275,000 CZK 7,800 CZK 200,000

Note: Loan amount CZK 200,000, maturity 8 years, fixed interest rate 5.90% p.a., APRC 6.07%, total repayable sum CZK 251,152.24. 1st interest repayment CZK 360.56, 2nd - 95th annuity repayment CZK 2,641, 96th annuity repayment CZK 2,537.68.

Eligible applicants

You must be a Czech national or have a permanent residence/residency permit.

Necessary documents

Present 2 identity documents (e.g. your identity card and passport), proof of income or a tax return (including a tax payment confirmation), and documentation relating to your existing loans.

Loan amount CZK 150,000, maturity 6 years, fixed interest rate 5.90% p.a., APRC 6.07%, total repayable sum CZK 178,532.90. 1st interest repayment CZK 467.08, 2nd - 71st annuity repayment CZK 2,508, 72nd annuity repayment CZK 2,502.82. One-time fee for loan processing CZK 0. Monthly fees for: loan administration CZK 0, MůjÚčet current account CZK 0, electronic statements CZK 0. The example is calculated using the drawdown date of 01/1/2018, and the loan repayment date is always on the 20th day of the month.

The repayment period of an Optimal Loan is between 12 and 120 months. The maximum APRC level is 9.05%, with a loan maturity of 10 years. You can find a detailed overview in the calculator.

Good to have

Term life insurance for mortgage loans
Insurance coverage for you and your whole family in case you are unable to make loan payments.
  • If you take out insurance to mortgage, you get 0,1 % p.a. lower interest rate
  • Also for all existing mortgages and loans
Personal Loan
A loan of up to CZK 2,500,000 that can be arranged within 30 minutes
  • Receive up to CZK 2,500,000 for anything
  • Early repayment at any time and without any charges
MůjÚčet Plus Account
Account for everyone with authorized overdraft up to CZK 60,000.
  • Cash withdrawals from KB ATM free of charge
  • 2 Cash withdrawal from ATM of other domestic banks monthly free of charge