PRÉMIOVÝ ÚČET

For clients with monthly income exceeding 50,000 CZK

FREE if used actively

Debit MasterCard GOLD BASE payment card

Benefits of PRÉMIOVÝ účet

Professional financial advisory - Premium Way

One FREE incoming or outgoing foreign payment outside EEA per month

The account price includes two debit cards and one RB PREMIUM credit card

Inter-bank payments to/from Česká spořitelna, AIR Bank, CREDITAS and Komerční banka done in seconds

PRÉMIOVÝ and EXKLUZIVNÍ účet compared

	PRÉMIOVÝ účet	EXKLUZIVNÍ účet
Free maintenance	With monthly turnover on the account of at least 50,000 CZK in one or two transactions	With at least 1.5 million CZK held in deposits and investments at Raiffeisenbank
Debit card included in the price	Debit MasterCard STANDARD	Debit MasterCard GOLD
Savings account on preferential terms	Spořicí účet HIT PLUS	Spořicí účet GOLD
Payments outside EEA included in the price	One incoming or outgoing foreign payment per month	Unlimited number of incoming foreign payments
Standard monthly price	250 CZK	750 CZK
Price if used actively	Free of charge	Free of charge
	LIST OF BRANCHES	MORE INFORMATION

PRODUCT INFORMATION

Free if used actively

We will maintain your PRÉMIOVÝ účet free of charge if you use it actively. That means that the sum of incoming payments in a particular month is at least 50,000 CZK. Only the two highest incoming payments in a month are considered.

Otherwise, the monthly fee applicable to PRÉMIOVÝ účet is 250 CZK. However, we only charge the monthly fee if you fail to meet the conditions of active use two months in a row.

Active use is evaluated for the preceding month; for example, account activity for August is evaluated on 30 September.

Professional financial advisory - Premium Way

Every stage of life brings different challenges, defining the priorities of your financial needs. We are able to respond to any such need in a professional manner, proposing an optimal solution matching your specific situation in life. Our PREMIUM WAY exclusive service gives you long-term professional care tailored to meet your current needs.

Other benefits of PRÉMIOVÝ účet

FREE withdrawals from ATMs of all banks in the Czech Republic or abroad
Up to 19 currencies under one account number (CZK, EUR, USD, GBP, CHF, JPY, CAD, PLN, HUF and more)
Higher interest applied to your Spořící účet XL
Unlimited number of EUR foreign payments within EEA
One incoming or outgoing foreign payment per calendar month in addition to EUR foreign payments within EEA
1% off the interest rate of your Hypotéka na bydlení mortgage loan
1,000 CZK interest-free reserve to prevent unauthorized account overdraft
Mobile phone payments using RaiPay and ApplePay

FAQ

Frequently asked questions

What do I need to open my PRÉMIOVÝ účet?

Opening your PRÉMIOVÝ účet is easy. What do you need?

Your ID card or another proof of identity
Czech residence permit or another document establishing your relation to the Czech Republic

What does active account use mean?

You receive at least 50,000 CZK to your account in one or two transactions in a month. The two highest incoming payments in a month are considered. If you fulfil this condition, you get free maintenance of your PRÉMIOVÝ účet. Otherwise, the monthly fee is 250 CZK.

Are any ATM withdrawals subject to an extra charge?

Unlimited ATM withdrawals do not apply to ATMs subject to an extra fee charged by the ATM operator.

Usually, these are ATMs of non-banking institutions and the extra fee is usually explicitly mentioned to the cardholder on the ATM display, who must approve it to proceed with the withdrawal.

What do I need to transfer my account to Raiffeisenbank?

To transfer an account, you need to visit any of our branch offices with your ID card and account statement or list of payments. We will take care of everything on your behalf within the statutory term of 13 business days.

Are there any fees associated with the change of the bank?

We are pleased to be your new bank. Thus, the service is completely FREE of charge.

If I decide to transfer my account to you, do I have to transfer all my regular payments along?

We will complete a bank change request together when you visit our branch office. In the request you choose whether we will transfer your payment operations as a whole or just some of them. Also, we will give you an opportunity to close your original account and transfer the balance to your new account held with Raiffeisenbank.

FREE for clients holding over 1.5 million CZK in assets with Raiffeisenbank
FREE with PRÉMIOVÝ and EXKLUZIVNÍ účet

PRODUCT INFORMATION

FAQ

Free if used actively

Otherwise, the monthly fee applicable to PRÉMIOVÝ účet is 250 CZK. However, we only charge the monthly fee if you fail to meet the conditions of active use two months in a row.

Active use is evaluated for the preceding month; for example, account activity for August is evaluated on 30 September.

Professional financial advisory - Premium Way

Other benefits of PRÉMIOVÝ účet

FREE withdrawals from ATMs of all banks in the Czech Republic or abroad
Up to 19 currencies under one account number (CZK, EUR, USD, GBP, CHF, JPY, CAD, PLN, HUF and more)
Higher interest applied to your Spořící účet XL
Unlimited number of EUR foreign payments within EEA
One incoming or outgoing foreign payment per calendar month in addition to EUR foreign payments within EEA
1% off the interest rate of your Hypotéka na bydlení mortgage loan
1,000 CZK interest-free reserve to prevent unauthorized account overdraft
Mobile phone payments using RaiPay and ApplePay

EKLUZIVNÍ účet

Luxurious account without limits for clients with assets worth over 1.5 million CZK.

RB PREMIUM credit card

Convenient traveling and attractive discounts. FREE with your account.