Exclusive plan account and prestigious payment cards

The extra service Premium opens the door to premium banking. With Premium, you will get the Exclusive plan as well as a prestigious Visa Infinite card (plus a second card for a family member, if you wish) free of charge. You can also apply for the prestigious World Elite credit card. The extra service Premium also includes Premium Family travel insurance as well as the Payment Card and Personal Possessions Insurance. The extra service Premium can only be set up with Premium relationship managers at KB Premium Centres. 

Read the terms and conditions on how to get the extra service Premium free of charge.

KB Premium clients can enjoy the products and services included in the Exclusive plan, free of charge, together with the extra service Premium, two Visa Infinite debit cards and two World Elite credit cards – for the plan holder or a family member. It is only necessary to meet at least one of the below conditions each month. 

• You have savings and investments with Komerční banka (and/or with Modrá pyramida (MPSS), Komerční pojišťovna (KP), KB Penzijní společnost (KB PS) or Amundi Czech Republic) in the total amount of no less than CZK 3,000,000.
• Income in your personal current accounts in KB amounts to no less than CZK 100,000, with at least one incoming payment of no less than CZK 70,000.
• Income in your personal current accounts in KB amounts to no less than CZK 100,000 per month on average over the last 12 months and you have savings and investments with Komerční banka (and/or MPSS, KP, KB PS or Amundi Czech Republic) in the total amount of no less than CZK 1,000,000. 
• The sum of your payments in connection with loans with Komerční banka (i.e. consumer, mortgage and pre-mortgage loans) and/or loans from building savings with MPSS is at least CZK 30,000. 
• The sum of consumer housing loans (mortgage loans) granted by KB and/or building savings loans granted by MPSS amounts to no less than CZK 6,000,000 (the sum of the loan amounts agreed in the respective loan agreements shall be relevant). 
  In case you had a Top Offer account in KB as at 31 December 2022 or before, the sum of the consumer housing loans (mortgage loans) granted by KB and/or building savings loans granted by MPSS shall amount to no less than CZK 5,000,000.  
• You are a client of Komerční banka Private Banking. 
  
  The aforementioned amounts in CZK also apply to foreign currency equivalents.
  In case you do not meet at least one of the above conditions, we may charge you CZK 1,490 per month. For more information about the terms and related fees, please see the Conditions for the extra service Premium.

Are you a KB Premium client and still have a TOP Offer account? Please wait until you receive an invitation to transition to the new era. 
 
In the meantime, here is a reminder of the benefits of the TOP Offer account: 

• Maintenance of a CZK account
• Two additional current accounts in CZK, USD or EUR
• Two prestigious payments cards – either two Platinum Visa debit cards or two Gold Card debit cards (with the second card intended for a family member)
• In addition to the aforementioned cards, Embossed Card is also provided that is subject to fees for withdrawals from third-party ATMs in the Czech Republic and abroad according to the current pricelist
• Two Mastercard World Elite credit cards (with the second card intended for a family member)
• ATM withdrawals free of charge – both the Czech Republic and abroad
• Manage your account using computer or mobile phone
• Arrange, change or cancel an authorised overdraft
• Set up standing orders or direct debits (incl. SIPO) free of charge using your mobile phone or online
• Merlin payment card insurance for two insureds 
• We will transfer your standing orders and close your account with your existing bank upon request 
  
  
  

Benefits of the Platinum Visa debit card: 

• Premium travel insurance for cardholders and their families
• Third-party liability insurance 
• Insurance covering losses associated with air travel (e.g. lost luggage and flight delay insurance)
• Equipment insurance (golf, skiing or business trips equipment) 
• Roadside Assistance Services 
• DragonPass membership that will allow you to purchase passes to more than 1,300 airport lounges
• All ATM withdrawals free of charge, both in the Czech Republic and abroad. 
  
  

These benefits are valid as of 1 January 2023. 

A multicurrency account allows you to have all the currencies offered under one account number and one payment card.

All accounts on the Exclusive plan feature the multicurrency functionality. Their primary currency is CZK. The difference between a foreign currency current account and a multicurrency account is that they are all under one account and thus have the same account number. If you had a CZK account and a EUR account, each would have its own account number.

Just send money to your account in the currency you want to use, or exchange it directly in the KB+ app in seconds. When you make a payment in a different currency, the amount is automatically deducted from your balance in that currency. If the balance is not sufficient, the amount is deducted from the primary currency or other currencies. You control your multicurrency account and exchange currencies with a few clicks in the KB+ app, which also gives you an overview of your balances in each currency. 

Available foreign currencies: AUD, BGN, CAD, CHF, DKK, EUR, GBP, HUF, JPY, NOK, PLN, RON, SEK, USD