Plan Komfort

Monthly fee

A monthly fee of CZK 89 will be automatically charged to the oldest active account included in the plan. 

Clients aged 18 to 26 will receive a 50% discount on the Komfort plan. 

Current account 

You can have up to 3 accounts with the Komfort plan. You can always keep track of your accounts in the KB+ app; in the app, you can easily open and manage your accounts with just a few taps, name your accounts, add authorised users, and more.

You can share your accounts with your loved ones. In the app, you can set up not only the sharing itself, but also what other users would see in their app and what actions they would be able to take with the account (e.g. view only vs. full control).

With the Komfort plan, your accounts automatically include multicurrency functionality. The base currency is CZK; however, you can use up to 15 currencies in your account, including EUR, USD, and GBP. 

We will transfer your account at another bank (including all your settings) for you. 

Better interest rate for your savings account 

With the Komfort plan, you will receive a bonus interest rate for your savings account in KB+. There is no need to apply for the bonus rate – you will receive it automatically.
 Interest rates are published in the Interest Rate Notice. 

Exchange rates 

In addition to the exchange rates listed in the KB Exchange Rate List, the Komfort plan also offers exchange rates based on current market rates, which are more favourable. 

Why use the market exchange rates

• They are available on business days (24 hours a day, 5 days a week).
• They are more favourable compared to the KB Exchange Rate List.
• You do not have to wait for the exchanged funds - they will be credited to your account immediately.
• To complete a currency exchange, you must have sufficient funds both in your account and in the specific currency subaccount.
• The exchange is binding and cannot be cancelled once confirmed.
• This exchange is based on market rates. Therefore, the displayed rate changes according to current market fluctuations.
• Due to market fluctuations, the final exchange rate may differ from the one you confirmed. 
• There may be situations where the exchange is processed on the basis of the KB Exchange Rate List. You will always be notified of this in advance. For example:
  • You are exchanging an amount less than the equivalent of 10 EUR;
  • You are exchanging currency on weekends and holidays, i.e. when foreign exchange markets are closed. 

Payment cards 

With our Komfort plan, you can get up to 6 debit cards. You can digitize the cards to make payments using your smartphone or smartwatch. You can also have the cards issued in the name of your loved ones. 

All cash withdrawals from ATMs of KB and other banks in the Czech Republic and selected European countries (Albania, Andorra, Belgium, Belarus, Bosnia and Herzegovina, Bulgaria, Montenegro, Denmark, Estonia, Finland, France, Croatia, Ireland, Iceland, Italy, Kosovo, Cyprus, Liechtenstein, Lithuania, Latvia, Luxembourg, Hungary, Malta, Moldova, Monaco, Germany, Netherlands, Norway, Poland, Portugal, Austria, Romania, Greece, San Marino, North Macedonia, Slovakia, Slovenia, Serbia, Spain, Sweden, Switzerland, Ukraine, the Vatican, and Great Britain) are free of charge*. 

You can make cash deposits using ATMs of Komerční banka, MONETA Bank, UniCredit Bank, and Air Bank. 

In addition to cash withdrawals or deposits, you can also check your account balance for accounts opened with Komerční banka and change your card PIN. These services are free for KB clients. 

*This is without prejudice to fees charged by certain ATM operators (i.e. surcharges) or fees for processing excess cash amounts. 

Payments 

Our Komfort plan includes all domestic incoming and outgoing payments. You do not have to pay for SEPA payments either. 

To sign up for this product, you must be a Czech citizen and have permanent residence in the Czech Republic. If you do not meet this requirement, we will be happy to offer you an alternative solution. Please provide us with your contact information or schedule an appointment at a branch. 

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