Save up to several
thousand a month

Interest rates starting at 4,9 % p.a.

Loan consolidation will allow you to lower your payments and interest rate

Receive additional funds for anything you wish

Consolidate your loans of up to CZK 2,500,000


  • We will consolidate your liabilities with other banks for you – you do not have worry about anything

  • Consolidate KB loans, overdrafts, and credit cards conveniently using your MojeBanka internet banking. See our instructions

  • Select your own payment amount and date. Early repayment and unscheduled payments are always free of charge

  • Available with optional payment protection insurance that has you covered in case of financial difficulties


Interest rates of our clients

More than half of our clients get an interest rate ranging from 4.9 to 6.5% p.a. (for loans of up to CZK 150,000). The data apply to contracts concluded from 1 January to 31 July 2021. 

Several different factors determine your final interest rate – e.g. the loan amount you request, your income, and whether or not you have other financial liabilities. 

Selected price list items

@Changes in contract: personal data of a client,...
free of charge
Evaluation of a loan application SPECIAL OFFER
CZK 490 free of charge
Credit account statement electronically
free of charge
Credit administration (for contracts concluded as of 1. 1. 2013)
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.



Rules for the bonus payment (Czech version only, 98 kB, PDF)

  • Optimal Loan is intended for loan consolidation or refinancing
  • Consolidate loans amounting from CZK 30,000 to CZK 2,500,000
  • Loan refinancing also applies to credit cards and overdrafts
  • With loan consolidation, you can get additional funds that can be used for anything
  • Maximum loan term of up to 10 years
  • It is advisable to get payment protection insurance with your loan
  • Find out the current interest rate in our calculator

Consolidate your loans using the MojeBanka internet banking.

  1. In the main menu, go to New product or Loans and then Optimal Loan.
  2. Start the online application. Any KB credit cards, overdrafts and loans will be shown after ticking the box below “Loans in Komerční banka”. It is possible to add payment protection insurance during one of the subsequent steps.
  3. You can sign your application using KB Klíč and submit it for processing. We will inform you about further steps via text messages (SMS) to a telephone number you entered in your application.
  • 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.

Representative example:

Loan amount CZK 200,000, maturity 10 years, fixed interest rate 6.50% p.a, APR 6.7%, total amount due CZK 272,522.08 . 1st interest installment CZK 686.11, 2.–119. annuity installment  CZK 2,285, 120th annuity installment CZK 2205.97. Monthly fees for: loan management CZK 0, current account maintenance of MůjÚčet 0 CZK, electronic statements 0 CZK. The example is calculated for the date of drawing on the January 1, 2022 and the repayment period of the loan always on the 20th day of the month.

We are providing loans with maturity from 12 to 120 months and APR up to 12.9%.

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
No need to visit a branch.
Get your loan online and free of charge
  • Receive up to CZK 2,500,000 for anything
  • Early repayment at any time and without any charges
MůjÚčet Plus
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