worry-free studies

From 4,9 %

Get up to CZK 600,000

Available to secondary school, college, and university students

Repay CZK 150,000 after you graduate

For studies in the Czech Republic and abroad


  • Wish to study abroad or go on Erasmus study program

  • Need to pay secondary school / university tuition 

  • Are short on money for a notebook, mobile phone or other electronics

  • Long for an expensive training course


Representative example:

Loan amount CZK 300,000, maturity 8 years, fixed interest rate 6.50% p.a, APR 6.7%, total amount due CZK 385,576.68 . 1st interest installment CZK 1,029.17, 2.–95. annuity installment  CZK 4,049, 96th annuity installment CZK 3941,51. Monthly fees for: loan management CZK 0, current account maintenance of G2.2 account 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 96 months and APR up to 12.9%.

Selected price list items

Evaluation of a loan application
free of charge
Credit administration (for contracts concluded as of 1. 1. 2013)
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.



Gaudeamus Loan

  • Loan in the amount of CZK 20,000 – 600,000 for secondary school, college, and university students
  • Only for tuition payment for secondary school students
  • College and university students may use the loan to pay tuition, computers, mobile phones, school aids, etc.
  • Available in one or several drawdowns
  • Maximum maturity of 10 years
  • Current account in KB is required (such as G2 Student Account)
  • College and university students may repay up to CZK 150,000 after graduation, only paying interest during their studies
  • Loan may be secured by third-party guarantee.


Micro Gaudeamus

  • Loan in the amount of CZK 10,000 – 30,000 college and university students 
  • For mobile phones, tablets, computers, and training courses (simply send a receipt to the bank within 30 days)
  • Maximum maturity of 8 years
  • Student account in KB is required
  • No need to document your income or provide any security

Eligible loan applicants

You must have a current account in KB, study, either in the Czech Republic or abroad and be a citizen of the Czech Republic older than 18 years

Necessary documents

  • 2 identity documents
  • Proof of study

The repayment period of a Gaudeamus Loan is between 12 and 120 months. The maximum APRC for the loan below amounts to 7.14% - for loan maturity of only 12 months. For detailed overview, see our calculator.

Loan amount: CZK 20,000
Maturity: 3 years
Fixed interest rate: 6.9% p.a.
APRC: 7.13%
Total amount due: CZK 22,208.20
1st interest payment: CZK 72.83
Annuity payments no. 2 – 35: CZK 633
Annuity payment no. 36: CZK 613.37

Nonrecurring loan processing fee of CZK 0; monthly loan administration fees of CZK 0; MůjÚčet Account maintenance fees of CZK 0; electronic statements – CZK 0. The example is calculated for drawdown date of 1 December 2016, with loan payments on the 20th day of each month. The MůjÚčet Account is free within the MojeOdměny concept.

Good to have

Investment Funds
Invest in funds and let your money do the work
  • Quick access to your money, normally within a week
  • Investments in CZK and foreign currencies
Authorised Overdraft
Get a financial reserve of up to CZK 60,000 that can be used anytime you need.
  • No fees or interest when the authorised overdraft is not used
  • Authorised Overdraft of up to CZK 20,000 for students
A Card
Credit card for bargain shopping with a savings bonus,
and a telephone assistant
  • Discounts of up to 50% for goods, travel, and wellness
  • Up to CZK 250,000 for your purchases
Credit card with travel insurance coverage abroad.
  • Travel insurance coverage of up to CZK 1,500,000
  • Up to CZK 60,000 for your traveling

G2 Student Account

Account for young people from 15 to 30 years old.
  • Free account management and a bonus of CZK 350
  • Free withdrawals from KB ATMs
  • Custom design on payment card for free