Interest rates for deposit products
Interest rates for deposit products
Current accounts
Retail current accounts
| VÚB Account / VÚB Account Magnifica and VÚB Account for Students/Young People | % p.a. |
|---|---|
| Credit | 0,00 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
| Savings account linked to VÚB Accounts / VÚB Accounts Magnifica and VÚB Accounts for Students / Young People | % p.a. |
|---|---|
| Base interest rate | |
| <=30 000 EUR* | 0,01 |
| >30 000 EUR* | 0,00 |
| Base interest rate + bonus interest rate | |
| <=30 000 EUR* | 0,10 |
* Split interest rate – individual layers of the savings account balance bear interest at different rates. For amounts up to EUR 30,000 the savings account accrues interest at the base interest rate of 0.01% p.a. Following the fulfilment of the conditions defined in the General Terms and Conditions, the savings account accrues interest at the base interest rate of 0.01% p.a. + bonus interest rate of 0.09% p.a., i.e. at the total rate of 0.10% p.a. Amounts in excess of EUR 30,000 bear interest at 0.00% p.a.
| Mortgage-linked Savings Account | % p.a. |
|---|---|
| Base interest rate | |
| <=50 000 EUR* | 0,01 |
| >50 000 EUR* | 0,00 |
| Base interest rate + bonus interest rate | |
| <=50 000 EUR* | 1,00 |
* Split interest rate – individual layers of the savings account balance bear interest at different rates. For amounts up to EUR 50,000 the savings account accrues interest at the base interest rate of 0.01% p.a. Following the fulfilment of the conditions defined in the General Terms and Conditions, the savings account accrues interest at the base interest rate of 0.01% p.a. + bonus interest rate of 0.99% p.a., i.e. at the total rate of 1.00% p.a. Amounts in excess of EUR 50,000 bear interest at 0.00% p.a.
| Senior Konto | % p.a. |
|---|---|
| Credit | 0,00 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
| Savings Account for Senior Citizens linked to Senior Konto | % p.a. |
|---|---|
| Base interest rate | |
| <=30 000 EUR* | 0,01 |
| >30 000 EUR* | 0,00 |
| Base interest rate + bonus interest rate | |
| <=30 000 EUR* | 0,10 |
* Split interest rate – individual layers of the savings account balance bear interest at different rates. For amounts up to EUR 30,000 the savings account accrues interest at the base interest rate of 0.01% p.a. Following the fulfilment of the conditions defined in the General Terms and Conditions, the savings account accrues interest at the base interest rate of 0.01% p.a. + bonus interest rate of 0.09% p.a., i.e. at the total rate of 0.10% p.a. Amounts in excess of EUR 30,000 bear interest at 0.00% p.a.
| Start Junior | % p.a. |
|---|---|
| Credit | 0,10 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
| VÚB Account for Junior Citizens – valid from 15 June 2019 | % p.a. |
|---|---|
| Credit | 0,00 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
| Savings Account for Junior Citizens linked to VÚB Account for Junior Citizens | % p.a. |
|---|---|
| Base interest rate | |
| <=30 000 EUR* | 0,01 |
| >30 000 EUR* | 0,00 |
| Base interest rate + bonus interest rate | |
| <=30 000 EUR* | 0,20 |
* Split interest rate – individual layers of the savings account balance bear interest at different rates. For amounts up to EUR 30,000 the savings account accrues interest at the base interest rate of 0.01% p.a. Following the fulfilment of the conditions defined in the General Terms and Conditions, the savings account accrues interest at the base interest rate of 0.01% p.a. + bonus interest rate of 0.19% p.a., i.e. at the total rate of 0.20% p.a. Amounts in excess of EUR 30,000 bear interest at 0.00% p.a.
| Start Konto | % p.a. |
|---|---|
| Credit | 0,00 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
| EUR Current Account, Basic Bank Product, Payment Account with Basic Functions, Debtor’s Special Account | % p.a. |
|---|---|
| Credit | 0,00 |
| Unauthorized debit (Late payment receivable) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
Foreign Currency Current Account
| Foreign Currency Current Account | % p.a. |
|---|---|
| CZK | 0,00 |
| GBP | 0,00 |
| CHF | 0,00 |
| USD | 0,00 |
| Other foreign currencies | 0,00 |
| Unauthorized debit (CZK, GBP, CHF, USD) | +5,00* |
| Unauthorized debit (other foreign currencies) | +5,00* |
* outside the scope of the standard interest rate applicable to authorized overdrafts
Bežné účty pre právnické osoby
| VÚB Biznis účet* | % p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
| Sporiaci účet v EUR pre PO <= 10 000 EUR** | 0,30 |
| Sporiaci účet v EUR pre PO > 10 000 EUR** | 0,01 |
* Od 9.7.2016 platí pre klientov s obratom do 1 mil. € vrátane
** Split sadzba - druh kreditného úročenia, pri ktorom sú úročené jednotlivé vrstvy zostatku sporiaceho účtu inou úrokovou sadzbou. Zostatok do 10 000 EUR je úročený sadzbou 0,30% p.a. a ostatné prostriedky nad túto hranicu sú úročené sadzbou 0,01% p.a.
** Split sadzba - druh kreditného úročenia, pri ktorom sú úročené jednotlivé vrstvy zostatku sporiaceho účtu inou úrokovou sadzbou. Zostatok do 10 000 EUR je úročený sadzbou 0,30% p.a. a ostatné prostriedky nad túto hranicu sú úročené sadzbou 0,01% p.a.
| Flexibiznis účet* | % p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
| Sporiaci účet v EUR pre PO <= 10 000 EUR** | 0,30 |
| Sporiaci účet v EUR pre PO > 10 000 EUR** | 0,01 |
* Od 9.7.2016 platí pre klientov s obratom nad 1 mil. €
** Split sadzba - druh kreditného úročenia, pri ktorom sú úročené jednotlivé vrstvy zostatku sporiaceho účtu inou úrokovou sadzbou. Zostatok do 10 000 EUR je úročený sadzbou 0,30% p.a. a ostatné prostriedky nad túto hranicu sú úročené sadzbou 0,01% p.a.
** Split sadzba - druh kreditného úročenia, pri ktorom sú úročené jednotlivé vrstvy zostatku sporiaceho účtu inou úrokovou sadzbou. Zostatok do 10 000 EUR je úročený sadzbou 0,30% p.a. a ostatné prostriedky nad túto hranicu sú úročené sadzbou 0,01% p.a.
| Bežný účet pre právnické osoby | % p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
|
Bežný účet na dotácie v EUR |
% p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
| Bežný účet v cudzej mene pre právnické osoby | % p.a. |
|---|---|
| CZK | 0,00 |
| GBP | 0,00 |
| USD | 0,00 |
| Ostatné cudzie meny | 0,00 |
| Nepovolený debet (CZK, GBP, USD) | 18,00 |
| Nepovolený debet (ostatné cudzie meny) | 18,00 |
| Transparentný účet pre PO | % p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
| Transparentný účet Plus | % p.a. |
|---|---|
| Kredit | 0,00 |
| Nepovolený debet | 18,00 |
Term deposits
Term deposits (EUR)
Term deposit – natural persons - non-entrepreneurs
Interest rates expressed as % p.a., valid from 14 September 2023
New Term deposit9
| do 1M | 1M | 3M | 6M | 9M | 12M | 18M | 24M | 36M | 42M | 48M | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 112 - 69 999,99 | 0,01 | 0,01 | 0,01 | 1,50 | 0,30 | 1,70 | 0,01 | 2,00 | 2,50 | 0,01 | 0,01 |
| >= 70 00011 |
Existing Term deposit10
| do 1M | 1M | 3M | 6M | 9M | 12M | 18M | 24M | 36M | 42M | 48M | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 112 - 69 999,99 | 0,01 | 0,01 | 0,01 | 1,00 | 0,30 | 1,20 | 0,01 | 1,50 | 2,00 | 0,01 | 0,01 |
| >= 70 00011 |
Term deposit – entrepreneurs and legal entities
Interest rates expressed as % p.a., valid from 14 September 2023
New Term deposit13
| do 1M | 1M | 3M | 6M | 9M | 12M | 18M | 24M | 36M | 48M | |
|---|---|---|---|---|---|---|---|---|---|---|
| 112 - 69 999,99 | 0,01 | 0,01 | 0,01 | 1,50 | 0,30 | 1,70 | 0,01 | 2,00 | 2,50 | 0,01 |
| >= 70 00011 |
Existing Term deposit14
| do 1M | 1M | 3M | 6M | 9M | 12M | 18M | 24M | 36M | 48M | |
|---|---|---|---|---|---|---|---|---|---|---|
| 112 - 69 999,99 | 0,01 | 0,01 | 0,01 | 1,00 | 0,30 | 1,20 | 0,01 | 1,50 | 2,00 | 0,01 |
| >= 70 00011 |
Term deposit via Nonstop banking15
Interest rates expressed as % p.a., valid from 6 December 2023
| 6M | 12M | 24M | 36M | |
|---|---|---|---|---|
| 112 | 1,50 | 1,70 | 2,00 | 2,50 |
Term deposit via VÚB Online banking16
Interest rates expressed as % p.a., valid from 11 July 2024
| 1M | 3M | 6M | 9M | 12M | 18M | 24M | 36M | 42M | 48M | |
|---|---|---|---|---|---|---|---|---|---|---|
| 112 - 69 999,99 | 0,01 | 0,01 | 1,50 | 0,30 | 1,70 | 0,01 | 2,00 | 2,50 | 0,01 | 0,01 |
Combiproduct1 - natural persons and legal entities
Interest rates expressed as % p.a., valid from 02 January 2024
| 12M2 | |
|---|---|
| >= 500 | 5,00 |
Combiproduct MAGNIFICA7 - natural persons
Interest rates expressed as % p.a., valid from 02 January 2024
| 12M4 | |
|---|---|
| >= 1 666 | 5,00 |
* Interest rates are determined individually (IUS) at the VÚB point of sale.
The penalty fee for an early withdrawal of the deposit shall amount to a reduction of the accumulated interests3 on the amount withdrawn as of the date of withdrawal, but for no more than a period of:
-15 days in case of deposits with a binding period of up to one month (including),
-45 days in case of deposits with a binding period of up to 3 months (including)4
-90 days in case of deposits with a binding period of up to 6 months (including)4
-135 days in case of deposits with a binding period of up to 9 months (including)4
-180 days in case of deposits with a binding period of up to 12 months (including)4
-270 days in case of deposits with a binding period of up to 18 months (including)4
-360 days in case of deposits with a binding period of up to 24 months (including)4
-1,080 days in case of deposits with a binding period of up to 36 months (including)5
-1,260 days in case of deposits with a binding period of up to 42 months (including)6
-1,440 days in case of deposits with a binding period of up to 48 months (including)5
1. Combined investment in a 12M EUR term deposit and Eurizon SK mutual funds (specifically: Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio). In order to enjoy profitable interest rates in a term deposit, the pre-requisite must be fulfilled of a minimum investment of EUR 1,500, divided in the 1:2 ratio between the term deposit and mutual funds Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio.
2. If clients make an investment in Eurizon SK Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio as part of Combiproduct, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Combiproduct investment, of which 2/3 must be invested in mutual funds. The minimum Combiproduct investment is EUR 1,500 for all Eurizon SK funds: Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 500) and the funds (in the minimum amount of EUR 1 000; as part of one Combiproduct it is possible to invest in any combination of the remaining funds provided that the pre-requisite of the minimum investment amount in such funds, i.e. EUR 150, has been met). Both products must be opened by the client on the same day. Upon the expiration of the first binding period for the deposit, the deposit is renewed subject to the standard interest rate available for the respective binding period. In case of redemption from the Eurizon SK mutual funds involved in Combiproduct investments during the deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct, the client shall pay the same penalty fee as applicable to the standard term deposit.
3. In case of deposits with agreed interest rates exceeding 1 year, the bank shall be entitled to charge the penalty fee for an early withdrawal (in the amount of gross interest) against the principal, if the interest was credited earlier than the title thereto actually arose.
4. For term deposits opened until 30 November 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest, i.e. 30 days for a 3M deposit, 60 days for a 6M deposit, 75 days for a 9M deposit, 90 days for a 12M deposit, 100 days for an 18M deposit and 240 days for a 24M deposit.
5. For term deposits with 36M and 48M binding periods, opened until 31 August 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest for a period of no more than 360 days in case of a 36M binding period and no more than 540 days in case of a 48M binding period.
6. For term deposits with a 42M binding period, opened until 30 September 2013, the penalty fee for early withdrawal shall constitute the loss of interest for a period of no more than 630 days.
7. If clients make an investment in Eurizon Capital mutual funds, specifically: Eurizon Fund Equity Innovation, Eurizon Fund Equity People, Eurizon Fund Equity Planet and/or Eurizon Fund Equity World Smart Volatility as part of Combiproduct Magnifica, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Combiproduct Magnifica investment, of which 2/3 must be invested in mutual funds. The minimum Combiproduct Magnifica investment is EUR 5,000, and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 1 666) and the fund (in the minimum amount of EUR 3 334). Both products must be opened by the client on the same day. Upon the expiration of the first binding period for the deposit, the deposit is renewed subject to the standard interest rate available for the respective binding period. In case of redemption from the Eurizon mutual funds involved in Combiproduct Magnifica investments during the deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct Magnifica, the client shall pay the same penalty fee as applicable to the standard term deposit.
8. The deposit amount in the term deposit makes up 1/3 of the total investment of Combiproduct Magnifica, it means the minimum amount in the term deposit is EUR 1 666. Both products must be opened by the client on the same day. Upon the expiration of the term deposit’s first binding period, the deposit bears interest at the standard interest rate applicable to the 12-month term deposit. In case of redemption from the Eurizon Capital mutual funds involved in Combiproduct Magnifica investments during the term deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct Magnifica, the client shall pay the same penalty fee as applicable to the standard term deposit.
9. New deposit means a 36-month term deposit established from 10 July 2023 and 6-month, 12-month, 24-month term deposit established from 14 September 2023 with "new money". "New money" is considered to be the client´s funds deposited on a newly established term deposit, which are not transferred from other deposit products of the client at VUB.
10. Existing deposit means a term deposit that has been renewed after 10 July 2023 (valid for 36-month term deposit) or 14 September 2023 (valid for 6-month, 12-month, 24-month term deposit).
11. Interest rates are determined individually (IUS) at the VÚB point of sale.
12. Minimum deposit EUR 99.
13. New deposit means a 6-month, 12-month, 24-month, 36-month term deposit established from 14 September 2023 with "new money". "New money" is considered to be the client´s funds deposited on a newly established term deposit, which are not transferred from other deposit products of the client at VUB.
14. Existing deposit means a term deposit that has been renewed after 14 September 2023.
15. Term deposit established based on client´s request submitted via Nonstop banking (Internet banking and Mobil banking, if these services allow to do it). These term deposits are established in EUR, only for natural persons. Interest rates apply only to first deposit, so-called opening deposit. Other additional deposits bear interest according to the rates published in the table Existing Term deposit.
16. Term Deposit opened on the basis of a Client's request made through VUB Online Banking (Internet Banking and Mobile Banking, if these services allow it). These term deposits are opened only in EUR and only for natural persons - citizens.
The penalty fee for an early withdrawal of the deposit shall amount to a reduction of the accumulated interests3 on the amount withdrawn as of the date of withdrawal, but for no more than a period of:
-15 days in case of deposits with a binding period of up to one month (including),
-45 days in case of deposits with a binding period of up to 3 months (including)4
-90 days in case of deposits with a binding period of up to 6 months (including)4
-135 days in case of deposits with a binding period of up to 9 months (including)4
-180 days in case of deposits with a binding period of up to 12 months (including)4
-270 days in case of deposits with a binding period of up to 18 months (including)4
-360 days in case of deposits with a binding period of up to 24 months (including)4
-1,080 days in case of deposits with a binding period of up to 36 months (including)5
-1,260 days in case of deposits with a binding period of up to 42 months (including)6
-1,440 days in case of deposits with a binding period of up to 48 months (including)5
1. Combined investment in a 12M EUR term deposit and Eurizon SK mutual funds (specifically: Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio). In order to enjoy profitable interest rates in a term deposit, the pre-requisite must be fulfilled of a minimum investment of EUR 1,500, divided in the 1:2 ratio between the term deposit and mutual funds Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio.
2. If clients make an investment in Eurizon SK Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio as part of Combiproduct, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Combiproduct investment, of which 2/3 must be invested in mutual funds. The minimum Combiproduct investment is EUR 1,500 for all Eurizon SK funds: Dynamic Portfolio, Balanced Growth Fund and/or Equity Portfolio and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 500) and the funds (in the minimum amount of EUR 1 000; as part of one Combiproduct it is possible to invest in any combination of the remaining funds provided that the pre-requisite of the minimum investment amount in such funds, i.e. EUR 150, has been met). Both products must be opened by the client on the same day. Upon the expiration of the first binding period for the deposit, the deposit is renewed subject to the standard interest rate available for the respective binding period. In case of redemption from the Eurizon SK mutual funds involved in Combiproduct investments during the deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct, the client shall pay the same penalty fee as applicable to the standard term deposit.
3. In case of deposits with agreed interest rates exceeding 1 year, the bank shall be entitled to charge the penalty fee for an early withdrawal (in the amount of gross interest) against the principal, if the interest was credited earlier than the title thereto actually arose.
4. For term deposits opened until 30 November 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest, i.e. 30 days for a 3M deposit, 60 days for a 6M deposit, 75 days for a 9M deposit, 90 days for a 12M deposit, 100 days for an 18M deposit and 240 days for a 24M deposit.
5. For term deposits with 36M and 48M binding periods, opened until 31 August 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest for a period of no more than 360 days in case of a 36M binding period and no more than 540 days in case of a 48M binding period.
6. For term deposits with a 42M binding period, opened until 30 September 2013, the penalty fee for early withdrawal shall constitute the loss of interest for a period of no more than 630 days.
7. If clients make an investment in Eurizon Capital mutual funds, specifically: Eurizon Fund Equity Innovation, Eurizon Fund Equity People, Eurizon Fund Equity Planet and/or Eurizon Fund Equity World Smart Volatility as part of Combiproduct Magnifica, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Combiproduct Magnifica investment, of which 2/3 must be invested in mutual funds. The minimum Combiproduct Magnifica investment is EUR 5,000, and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 1 666) and the fund (in the minimum amount of EUR 3 334). Both products must be opened by the client on the same day. Upon the expiration of the first binding period for the deposit, the deposit is renewed subject to the standard interest rate available for the respective binding period. In case of redemption from the Eurizon mutual funds involved in Combiproduct Magnifica investments during the deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct Magnifica, the client shall pay the same penalty fee as applicable to the standard term deposit.
8. The deposit amount in the term deposit makes up 1/3 of the total investment of Combiproduct Magnifica, it means the minimum amount in the term deposit is EUR 1 666. Both products must be opened by the client on the same day. Upon the expiration of the term deposit’s first binding period, the deposit bears interest at the standard interest rate applicable to the 12-month term deposit. In case of redemption from the Eurizon Capital mutual funds involved in Combiproduct Magnifica investments during the term deposit’s first binding period, the interest rate for the term deposit will be re-assessed to be changed into the interest rate valid as at the day of opening the term deposit. In case of an early withdrawal from the term deposit opened as part of Combiproduct Magnifica, the client shall pay the same penalty fee as applicable to the standard term deposit.
9. New deposit means a 36-month term deposit established from 10 July 2023 and 6-month, 12-month, 24-month term deposit established from 14 September 2023 with "new money". "New money" is considered to be the client´s funds deposited on a newly established term deposit, which are not transferred from other deposit products of the client at VUB.
10. Existing deposit means a term deposit that has been renewed after 10 July 2023 (valid for 36-month term deposit) or 14 September 2023 (valid for 6-month, 12-month, 24-month term deposit).
11. Interest rates are determined individually (IUS) at the VÚB point of sale.
12. Minimum deposit EUR 99.
13. New deposit means a 6-month, 12-month, 24-month, 36-month term deposit established from 14 September 2023 with "new money". "New money" is considered to be the client´s funds deposited on a newly established term deposit, which are not transferred from other deposit products of the client at VUB.
14. Existing deposit means a term deposit that has been renewed after 14 September 2023.
15. Term deposit established based on client´s request submitted via Nonstop banking (Internet banking and Mobil banking, if these services allow to do it). These term deposits are established in EUR, only for natural persons. Interest rates apply only to first deposit, so-called opening deposit. Other additional deposits bear interest according to the rates published in the table Existing Term deposit.
16. Term Deposit opened on the basis of a Client's request made through VUB Online Banking (Internet Banking and Mobile Banking, if these services allow it). These term deposits are opened only in EUR and only for natural persons - citizens.
Flexideposit Extra1
Interest rates valid from 1 May 2021
| in % p.a. | 36M | 42M | 48M |
|---|---|---|---|
| from EUR 13 upwards | 0,01 | 0,01 | 0,01 |
Flexideposit Extra – Additional deposits2
| in % p.a. | 1M | 3M | 6M | 12M | 24M |
|---|---|---|---|---|---|
| from EUR 1 upwards | 0,01 | 0,01 | 0,01 | 0,01 | 0,01 |
1. Early withdrawals from the deposit account annually up to 20% of the deposit amount are subject to no penalty fees (more detailed information related to early withdrawals with no penalty fees are specified in VÚB Terms of Trade for Flexideposit Extra Maintenance).
The penalty fee for early withdrawal of a sum in excess of 20% of the deposit shall amount to the loss of the accumulated interests as at the date of withdrawal, but for no more than a period of:
- 1,080 days for deposits with 36-month binding period (or no more than 360 days in respect of accounts opened until 31 August 2012)
- 1,260 days for deposits with 42-month binding period
- 1,440 days for deposits with 48-month binding period (or no more than 540 days in respect of accounts opened until 31 August 2012) The bank shall be entitled to charge the penalty fee for an early withdrawal against the principal whenever the interest was credited earlier than the title thereto arose.
2. The additional deposit made during the Flexideposit Extra binding period shall be assigned an interest rate depending on the nearest shorter period remaining to the deposit maturity.
3. Minimum deposit EUR 99.
The penalty fee for early withdrawal of a sum in excess of 20% of the deposit shall amount to the loss of the accumulated interests as at the date of withdrawal, but for no more than a period of:
- 1,080 days for deposits with 36-month binding period (or no more than 360 days in respect of accounts opened until 31 August 2012)
- 1,260 days for deposits with 42-month binding period
- 1,440 days for deposits with 48-month binding period (or no more than 540 days in respect of accounts opened until 31 August 2012) The bank shall be entitled to charge the penalty fee for an early withdrawal against the principal whenever the interest was credited earlier than the title thereto arose.
2. The additional deposit made during the Flexideposit Extra binding period shall be assigned an interest rate depending on the nearest shorter period remaining to the deposit maturity.
3. Minimum deposit EUR 99.
Foreign currency term deposit
Interest rates5 expressed as % p. a. valid from 23 August 2024
CZK1
| in % p.a. | 1D | to 1M (except 1D) |
1M | 3M | 6M | 12M |
|---|---|---|---|---|---|---|
| - |
4,60 |
|||||
| 2 500 - 1 759 999,99 |
|
0,00 | 0,01 | 0,01 | 2,50 | 0,01 |
| >= 1 760 000 2 |
GBP1
| in % p.a. | to 1M | 1M | 3M | 6M | 9M | 12M |
|---|---|---|---|---|---|---|
| 50 - 55 999,99 | 0,00 | 0,01 | 0,01 | 0,50 | 0,01 | 0,01 |
| >= 56 000 2 |
USD1
| in % p.a. | to 1M | 1M | 3M | 6M | 9M | 12M |
|---|---|---|---|---|---|---|
| 100 - 69 999,99 | 0,00 | 0,01 | 0,01 | 0,50 | 3,00 | 3,50 |
| >= 70 000 2 |
HUF
At a VÚB point of sale it is possible to set up a HUF term deposit with a binding period of 1, 3, 6 or 12 months and a minimum opening deposit of HUF 40,000. Interest rates for HUF term deposits are determined individually at the VÚB point of sale.
Spoření bez limitů4
Interest rates expressed as % p. a. valid from 23 August 2024
| Commitment | to 1 day |
|---|---|
| 4,60 |
Information about deposit products
In the event of an early withdrawal of the deposit, the interest on the sum withdrawn will be reduced:
- for a period of 15 days in respect of deposits with a binding period of up to one month (including),
- for a period of 45 days in respect of deposits with a binding period of up to 3 months (including)4
- for a period of 90 days in respect of deposits with a binding period of up to 6 months (including)4
- for a period of 135 days in respect of deposits with a binding period of up to 9 months (including)4
- for a period of 180 days in respect of deposits with a binding period of up to 12 months (including)4
but in any case, only up to the maximum amount of the accumulated interest
1. Deposit accounts for natural persons and legal entities denominated in other foreign currencies bear interest at a credit interest rate of 0.00% p.a.
2. Interest rates are determined individually (IUS) at the VÚB point of sale.
3. For term deposits opened until 30 November 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest, i.e. 30 days for a 3M deposit, 60 days for a 6M deposit, and 90 days for a 12M deposit.
4. Only for clients via website.
5. Interest rates are valid for foreign currency deposit accounts opened at a VUB branch or via VUB Online Banking.
2. Interest rates are determined individually (IUS) at the VÚB point of sale.
3. For term deposits opened until 30 November 2012, the penalty fee for early withdrawal shall constitute the loss of accumulated interest, i.e. 30 days for a 3M deposit, 60 days for a 6M deposit, and 90 days for a 12M deposit.
4. Only for clients via website.
5. Interest rates are valid for foreign currency deposit accounts opened at a VUB branch or via VUB Online Banking.
Structured deposits
| Premium deposit I. | |
|---|---|
| Interest rate valid during the initial binding period | 2.00% p.a. |
| Interest rate valid during the standard binding period | 2.00% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit II. | |
|---|---|
| Interest rate valid during the initial binding period | 2.50% p.a. |
| Interest rate valid during the standard binding period | 2.50% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.50% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit III. | |
|---|---|
| Interest rate valid during the initial binding period | 2.50% p.a. |
| Interest rate valid during the standard binding period | 2.50% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.70% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit IV. | |
|---|---|
| Interest rate valid during the initial binding period | 2.00% p.a. |
| Interest rate valid during the standard binding period | 2.00% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit V. | |
|---|---|
| Interest rate valid during the initial binding period | 2.20% p.a. |
| Interest rate valid during the standard binding period | 2.20% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit VI. | |
|---|---|
| Interest rate valid during the initial binding period | 2.30% p.a. |
| Interest rate valid during the standard binding period | 2.30% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit VII. | |
|---|---|
| Interest rate valid during the initial binding period | 2.30% p.a. |
| Interest rate valid during the standard binding period | 2.30% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit VIII. | |
|---|---|
| Interest rate valid during the initial binding period | 2.60% p.a. |
| Interest rate valid during the standard binding period | 2.60% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit IX. | |
|---|---|
| Interest rate valid during the initial binding period | 2.30% p.a. |
| Interest rate valid during the standard binding period | 2.30% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit X. | |
|---|---|
| Interest rate valid during the initial binding period | 2.60% p.a. |
| Interest rate valid during the standard binding period | 2.60% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.20% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XI. | |
|---|---|
| Interest rate valid during the initial binding period | 2.70% p.a. |
| Interest rate valid during the standard binding period | 2.70% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XII. | |
| Interest rate valid during the initial binding period | 2.90% p.a. |
| Interest rate valid during the standard binding period | 2.90% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XIII. | |
| Interest rate valid during the initial binding period | 2.90% p.a. |
| Interest rate valid during the standard binding period | 2.90% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XIV. | |
| Interest rate valid during the initial binding period | 3.10% p.a. |
| Interest rate valid during the standard binding period | 3.10% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XV. | |
| Interest rate valid during the initial binding period | 3.10% p.a. |
| Interest rate valid during the standard binding period | 3.10% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XVI. | |
| Interest rate valid during the initial binding period | 3.10% p.a. |
| Interest rate valid during the standard binding period | 3.10% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XVII. | |
| Interest rate valid during the initial binding period | 3.30% p.a. |
| Interest rate valid during the standard binding period | 3.30% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XVIII. | |
| Interest rate valid during the initial binding period | 3.30% p.a. |
| Interest rate valid during the standard binding period | 3.30% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XIX. | |
| Interest rate valid during the initial binding period | 3.30% p.a. |
| Interest rate valid during the standard binding period | 3.30% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XX. | |
| Interest rate valid during the initial binding period | 3.30% p.a. |
| Interest rate valid during the standard binding period | 3.30% p.a. |
| Bonus3 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XXI. | |
| Interest rate valid during the initial binding period | 3.30% p.a. |
| Interest rate valid during the standard binding period | 3.30% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XXII. | |
| Interest rate valid during the initial binding period | 3.10% p.a. |
| Interest rate valid during the standard binding period | 3.10% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
| Premium deposit XXIII. | |
| Interest rate valid during the initial binding period | 3.10% p.a. |
| Interest rate valid during the standard binding period | 3.10% p.a. |
| Bonus1 interest rate | 1.00% p.a. |
| Entry fee | 0.40% of the funds invested |
| Penalty fee2 for withdrawals from Premium deposit during binding period | 4.00 % of the withdrawal amount |
1. The client will receive bonus interest if the resulting value of the EUR/CZK exchange rate on the Decisive Day is lower than the established exchange rate limit, in accordance with the Special Terms and Conditions of the Premium Deposit valid for a specific issue.
2. Penalty fee for withdrawal from Premium Deposit during the standard binding period. Early withdrawal is posiible only on the 20th day of the calendar month. Early withdrawal of part of the deposit amount is not posiible.
3. The client will receive bonus interest if the resulting value of the EUR/USD exchange rate on the Decisive Day is higher than the established exchange rate limit, in accordance with the Special Terms and Conditions of the Premium Deposit valid for a specific issue.
2. Penalty fee for withdrawal from Premium Deposit during the standard binding period. Early withdrawal is posiible only on the 20th day of the calendar month. Early withdrawal of part of the deposit amount is not posiible.
3. The client will receive bonus interest if the resulting value of the EUR/USD exchange rate on the Decisive Day is higher than the established exchange rate limit, in accordance with the Special Terms and Conditions of the Premium Deposit valid for a specific issue.
Deposit products no longer available for opening
Depozitné produkty, ktoré sa už neotvárajú
Bežné účty
| Flexiúčet | % p.a. |
|---|---|
| Kredit do 31.07.2016 | 0,01 |
| Kredit od 01.08.2016 | 0,00 |
| Flexiúčet Extra ≤ 100 EUR1 | 1,00 |
| Nepovolený debet (Pohľadávka z omeškania)2 | +5,00 |
| Sporiaci účet | |
| Základný úrok | |
| <=30 000 EUR3 | 0,01 |
| >30 000 EUR3 | 0,00 |
| Základný úrok + bonusový úrok | |
| <=30 000 EUR3 | 0,10 |
1) Zvýhodnená úroková sadzba Flexiúčet Extra - je uplatnená v prípade splnenia podmienky zaúčtovania minimálne 12 pohybov mesačne a súčasne zasielania príjmu na účet v súhrnnej výške 500 EUR. Uplatňuje sa na zostatok do výšky maximálne 100 EUR. Zostatok nad túto výšku sa úročí štandardnou úrokovou sadzbou. Rozdiel úroku medzi zvýhodnenou úrokovou sadzbou a štandardnou úrokovou sadzbou je pripísaný na Flexiúčet najneskôr do 6. dňa nasledujúceho kalendárneho mesiaca.
2) nad rámec štandardnej úrokovej sadzby platnej pre povolené prečerpania
3) Splitová sadzba - jednotlivé vrstvy zostatku sporiaceho účtu sú úročené inou sadzbou.Od 1.2.2021 je sporiaci účet do 30 000 EUR úročený základnou úrokovou sadzbou 0,01 % p.a. Po splnení podmienok v zmysle VOP je sporiaci účet úročený základnou sadzbou 0,01% p.a. + bonusovu sadzbou 0,09% p.a., tzn. spolu 0,10% p.a. Suma nad 30 000 EUR je vždy úročená 0,00% p.a.
2) nad rámec štandardnej úrokovej sadzby platnej pre povolené prečerpania
3) Splitová sadzba - jednotlivé vrstvy zostatku sporiaceho účtu sú úročené inou sadzbou.Od 1.2.2021 je sporiaci účet do 30 000 EUR úročený základnou úrokovou sadzbou 0,01 % p.a. Po splnení podmienok v zmysle VOP je sporiaci účet úročený základnou sadzbou 0,01% p.a. + bonusovu sadzbou 0,09% p.a., tzn. spolu 0,10% p.a. Suma nad 30 000 EUR je vždy úročená 0,00% p.a.
VUBenefit
| Master konto | 0,01% p.a. |
Bežný účet v cudzej mene
| Bežný účet v CHF - fyzické a právnické osoby | 0,00% p.a. |
Flexibiznis účet
| Flexibiznis účet** | % p.a. |
|---|---|
| Kredit do 31.07.2016 | 0,01 |
| Kredit od 01.08.2016 | 0,00 |
| Nepovolený debet | 18,00 |
| Sporiaci účet v EUR pre PO <= 10 000 EUR* | 0,30 |
| Sporiaci účet v EUR pre PO > 10 000 EUR* | 0,01 |
* Split sadzba - druh kreditného úročenia, pri ktorom sú úročené jednotlivé vrstvy zostatku sporiaceho účtu inou úrokovou sadzbou. Zostatok do 10 000 EUR je úročený sadzbou 0,30% p.a. a ostatné prostriedky nad túto hranicu sú úročené sadzbou 0,01% p.a.
** Od 9.7.2016 platí pre klientov s obratom do 1 mil €
** Od 9.7.2016 platí pre klientov s obratom do 1 mil €
Termínované vklady
Kombiprodukt
| Kombiprodukt - predávaný do 31.3.20202- fyzické a právnické osoby | 12M |
|---|---|
| 500 EUR3 | 3,00 |
| Kombiprodukt - predávaný do 31.3.20194- fyzické a právnické osoby | 12M |
|---|---|
| 333 EUR3 | 3,00 |
| Kombiprodukt MAGNIFICA - predávaný do 30.04.20205- fyzické osoby | 12M |
|---|---|
| 3 333 EUR6 | 3,00 |
Pri predčasnom výbere vkladu sa znížia úroky z vyberanej sumy maximálne:
* pri vklade s viazanosťou do 1 mesiaca (vrátane) za 15 dní
* pri vklade s viazanosťou do 3 mesiacov (vrátane) za 30 dní
* pri vklade s viazanosťou do 6 mesiacov (vrátane) za 60 dní
* pri vklade s viazanosťou do 12 mesiacov (vrátane) za 90 dní
* pri vklade na kampaňový TV v období od 27.11.2012 do 31.12.2012 s viazanosťou 18 mesiacov (vrátane) za 270 dní maximálne do výšky akumulovaných úrokov
* pri vklade na Kombiprodukt VIII a IX za 180 dní
- Tieto úrokové sadzby platia aj pre vkladnú knižku V-konto, ktorá sa už nepredáva.
- V prípade, že klient realizuje investíciu do podielového fondu Flexibilný konzervatívny fond, Active Bond Fund, Dynamické portfólio, Stredoeurópsky dlhopisový fond, Vyvážený rastový fond, Active Magnifica a/alebo Akciové portfólio v rámci Kombiproduktu, má nárok na otvorenie termínovaného vkladu so zvýhodnenou úrokovou sadzbou na výšku vkladu rovnajúcou sa 1/3 z celkovej investície do Kombiproduktu, a zároveň investuje 2/3 investície do fondov. Výška minimálnej investície do Kombiproduktu je 1 500 EUR pri podielových fondoch Eurizon SK, pričom investíciu klient rozdelí v pomere 1:2 do termínovaného vkladu (v min. výške 500 EUR) a do fondu (v min. výške 1 000 EUR). Oba produkty si klient musí otvoriť v jeden deň. Po uplynutí doby prvej viazanosti vkladu sa vklad obnoví so štandardnou úrokovou sadzbou pre danú viazanosť. V prípade redemácie z podielových fondov Eurizon SK nainvestovaných v rámci Kombiproduktu počas doby prvej viazanosti vkladu bude úroková sadzba na termínovanom vklade prehodnotená a zmemená na úrokovú sadzbu platnú v deň založenia termínovaného vkladu. V prípade predčasného výberu z termínovaného vkladu otvoreného v rámci Kombiproduktu platí klient sankčnú pokutu ako pri štandardnom termínovanom vklade.
- Výška vkladu na termínovaný vklad tvorí 1/3 celkového vkladu na Kombiprodukt, tzn. min. vklad na termínovaný vklad je 333 EUR, resp. 500 EUR pri investovaní do vybraných fondov Eurizon SK. Oba produkty si musí klient otvoriť v jeden deň. Po uplynutí doby prvej viazanosti vkladu, sa vklad obnoví so štandardnou úrokovou sadzbou pre danú viazanosť. V prípade redemácie z podielových fondov Eurizon SK nainvestovaných v rámci Kombiproduktu počas doby prvej viazanosti vkladu, bude úroková sadzba na termínovanom vklade prehodnotená a zmenená na úrokovú sadzbu platnú v deň založenia termínovaného vkladu. V prípade predčasného výberu z termínovaného vkladu otvoreného v rámci Kombiproduktu platí klient sankčnú pokutu ako pri štandardnom termínovanom vklade.
- V prípade, že klient realizuje investíciu do podielového fondu Flexibilný konzervatívny fond, Active Bond Fund, Dynamické portfólio, Dlhopisový konvergentný fond, Vyvážený rastový fond, Active Magnifica a Flexible Magnifica Fund v rámci Kombiproduktu, má nárok na otvorenie termínovaného vkladu so zvýhodnenou úrokovou sadzbou na výšku vkladu rovnajúcou sa 1/3 z celkovej investície do Kombiproduktu, a zároveň investuje 2/3 investície do fondov. Výška minimálnej investície do Kombiproduktu je 1 000 EUR pri podielových fondoch Eurizon SK, pričom investíciu klient rozdelí v pomere 1:2 do termínovaného vkladu (v min. výške 333 EUR) a do fondu (v min. výške 667 EUR). Oba produkty si klient musí otvoriť v jeden deň. Po uplynutí doby prvej viazanosti vkladu sa vklad obnoví so štandardnou úrokovou sadzbou pre danú viazanosť. V prípade redemácie z podielových fondov Eurizon SK nainvestovaných v rámci Kombiproduktu počas doby prvej viazanosti vkladu bude úroková sadzba na termínovanom vklade prehodnotená a zmemená na úrokovú sadzbu platnú v deň založenia termínovaného vkladu. V prípade predčasného výberu z termínovaného vkladu otvoreného v rámci Kombiproduktu platí klient sankčnú pokutu ako pri štandardnom termínovanom vklade.
- V prípade, že klient realizuje investíciu do podielového fondu Eurizon Manager Selection Fund MS 10, Eurizon Manager Selection Fund MS 20, Eurizon Manager Selection Fund MS 40, Eurizon Manager Selection Fund MS 70 do Kombiproduktu Magnifica, má nárok na otvorenie termínovaného vkladu so zvýhodnenou úrokovou sadzbou na výšku vkladu rovnajúcou sa 1/3 z celkovej investície do Kombiproduktu Magnifica, a zároveň investuje 2/3 investície do menovaných fondov. Výška minimálnej investície do Kombiproduktu Magnifica je 10 000 EUR pri podielových fondoch EURIZON, pričom investíciu klient rozdelí v pomere 1:2 do termínovaného vkladu (v min. výške 3 333 EUR) a do fondu (v min. výške 6 667 EUR). Oba produkty si klient musí otvoriť v jeden deň. Po uplynutí doby prvej viazanosti vkladu sa vklad obnoví so štandardnou úrokovou sadzbou pre danú viazanosť v daný čas. V prípade redemácie z podielových fondov EURIZON nainvestovaných v rámci Kombiproduktu Magnifica počas doby prvej viazanosti vkladu bude úroková sadzba na termínovanom vklade prehodnotená a zmemená na úrokovú sadzbu platnú v deň založenia termínovaného vkladu. K prehodnoteniu úrokovej sadzby na termínovanom vklade, podľa predchádzajúcej vety, dôjde aj v prípade ak klient nezrealizuje investíciu do vyššie uvedených fondov najneskôr do 14. kalendárnych dní odo dňa realizácie otváracieho vkladu na termínovaný vklad. V prípade predčasného výberu z termínovaného vkladu otvoreného v rámci Kombiproduktu Magnifica platí klient sankčnú pokutu ako pri štandardnom termínovanom vklade.
- Výška vkladu na termínovaný vklad tvorí 1/3 celkového vkladu na Kombiprodukt Magnifica, tzn. min. vklad na termínovaný vklad je 3 333 EUR pri investovaní do vybraných fondov Eurizon SK. Oba produkty si musí klient otvoriť v jeden deň. Po uplynutí doby prvej viazanosti vkladu, sa vklad obnoví so štandardnou úrokovou sadzbou pre danú viazanosť. V prípade redemácie z podielových fondov Eurizon SK nainvestovaných v rámci Kombiproduktu Magnifica počas doby prvej viazanosti vkladu, bude úroková sadzba na termínovanom vklade prehodnotená a zmenená na úrokovú sadzbu platnú v deň založenia termínovaného vkladu. V prípade predčasného výberu z termínovaného vkladu otvoreného v rámci Kombiproduktu Magnifica platí klient sankčnú pokutu ako pri štandardnom termínovanom vklade.
Spoření bez limitů
| od 10.9.2022 (pilotná fáza predaja) do 11.11.2022 | 6,00 % p. a. |
| od 12.11.2022 do 17.1.2024 | 6,15 % p. a. |
| od 18.1.2024 do 25.2.2024 | 6,05 % p. a. |
| od 26.2.2024 do 19.5.2024 | 5,80 % p. a. |
| od 20.5.2024 do 3.7.2024 | 5,45 % p. a. |
| od 4.7.2024 do 22.7.2024 | 5,25 % p. a. |
| od 23.7.2024 do 8.8.2024 | 4,85 % p. a. |
| od 9.8.2024 do 22.8.2024 | 4,75 % p. a. |
VÚB a.s. neprijíma dodatočné vklady na vkladové účty, ktoré sa už nepredávajú.
Úsporné vklady s výpovednou lehotou v EUR
| Časové obdobie | Základný úrok | Sankčný úrok |
|---|---|---|
| 1M | 0,01 | 0,01 |
| 3M | 0,01 | 0,01 |
| 6M | 0,01 | 0,01 |
| 9M | 0,01 | 0,01 |
| 12M | 0,01 | 0,01 |
| 24M | 0,01 | 0,01 |
Plus T konto
| Plus T konto | |
|---|---|
| 7D | 0,01 |
| 14D | 0,01 |
| 1M | 0,01 |
Záručný vklad
| Záručný vklad | |
|---|---|
| 1M | 0,01 |
| 3M | 0,01 |
| 6M | 0,01 |
| 12M | 0,01 |
| 2R | 0,01 |
| 4R | 0,01 |
Revolvingový vklad
| Revolvingový vklad | |
|---|---|
| 7D | 0,01 |
| 1M | x |
| 3M | x |
Vklady na 1 a 3 mesiace konvertované na R konto Plus.
Dynamický termínovaný vklad v EUR
| Fyzické osoby1 | do 1M | 1M | 3M | 6M | 12M |
|---|---|---|---|---|---|
| 99 - 29 999,99 | 0,01 | 0,01 | 0,01 | 0,01 | 0,01 |
| >= 30 000 | 0,01 | 0,01 | 0,01 | 0,01 | 0,01 |
| Právnické osoby | do 1M | 1M | 3M | 6M | 12M |
|---|---|---|---|---|---|
| 99 - 29 999,99 | 0,01 | 0,01 | 0,01 | 0,01 | 0,01 |
| >= 30 000 | 0,01 | 0,01 | 0,01 | 0,01 | 0,01 |
Dynamický termínovaný vklad v cudzej mene
Úrokové sadzby platné od 7.4.2014
| 1M | 3M | 6M2 | 12M | ||
|---|---|---|---|---|---|
| CZK | od 2 500 | 0,01 | 0,01 | 0,01 | 0,01 |
| GBP | od 50 | 0,01 | 0,01 | 0,01 | 0,01 |
| CHF | od 150 | 0,00 | 0,00 | 0,00 | 0,00 |
| USD1 | od 100 | 0,01 | 0,01 | 0,01 | 0,01 |
Pri predčasnom výbere vkladu sa znížia úroky z vyberanej sumy:
* pri vklade s viazanosťou do 1 mesiaca (vrátane) za 15 dní
* pri vklade s viazanosťou do 3 mesiacov (vrátane) za 30 dní
* pri vklade s viazanosťou do 6 mesiacov (vrátane) za 45 dní
* pri vklade s viazanosťou do 12 mesiacov (vrátane) za 90 dní
maximálne do výšky akumulovaných úrokov
- Tieto úrokové sadzby platia aj pre vkladnú knižku V-konto, ktorá sa už nepredáva.
- Úrokové sadzby sú platné aj pre 9M TV, ktoré sa už nepredávajú.
Flexivklad1
Úrokové sadzby platné od 14.11.2014
| Fyzické osoby | 36M |
|---|---|
| 1 - 29 999,99 EUR | 0,01 |
| 30 000 EUR a viac | 0,01 |
| Právnické osoby | 36M |
|---|---|
| 1 EUR a viac | 0,01 |
- Predčasný výber do výšky 25% zo zostatku na vkladovom účte 1.júna a 1.decembra je bez sankčného poplatku. V ostatných prípadoch pri predčasnom výbere vkladu pokuta predstavuje zníženie úrokov z vyberanej sumy ku dňu výberu maximálne však za 360 dní (platné pre účty zriadené do 31.8.2012) resp. za 1 080 dní (platné pre účty zriadené v období od 1.9.2012 do 30.9.2013), pričom banka má nárok zúčtovať sankčný poplatok za predčasný výber z istiny, a to vtedy, ak boli úroky pripísané skôr, ako na ne vznikol nárok.
Na produkty, ktoré sa nepredávajú, VÚB banka neprijíma dodatočné vklady.
Flexivklad extra pre právnické osoby1
Úrokové sadzby platné od 14.11.2014
| Flexivklad extra | 48M |
|---|---|
| 1 EUR a viac | 0,01 |
- Predčasný výber z vkladového účtu ročne do výšky 20% vkladu je bez sankčného poplatku (bližšie informácie súvisiace s predčasným výberom bez pokuty sú špecifikované v Obchodných podmienkach VÚB, a.s. pre vedenie Flexivkladu extra.). V ostatných prípadoch pri predčasnom výbere vkladu pokuta predstavuje zníženie hrubých úrokov z vyberanej sumy za 540 dní, maximálne však do výšky akumulovaných úrokov alebo má banka nárok zúčtovať sankčný poplatok za predčasný výber z istiny, a to vtedy, ak boli úroky pripísané skôr, ako na ne vznikol nárok.
Zmluva o vklade s produktovým označením "Vklad bez viazanosti"
| Vklad bez viazanosti | |
| Mena | % (p.a.) |
| EUR | 0,01 |
| Minimálny vklad | 6 EUR |
| Minimálny zostatok | 6 EUR |
| Vklad bez viazanosti (pôvodná Detská vkladná knižka)* | |
|---|---|
| Základný úrok | 0,01 |
| Základný úrok + dodatkový úrok | sa neuplatňuje** |
* Bonus v podobe úrazového poistenia poskytovaného vo vzťahu k pôvodným Detským vkladným knižkám sa nebude z dôvodu zániku Rámcovej zmluvy o úrazovom poistení k detskej vkladnej knižke poskytovať aj napriek splneniu podmienok uvedených vo Všeobecných obchodných podmienkach VÚB, a. s., pre depozitné produkty.
**Toto ustanovenie nadobúda účinnosť od 15.1.2023.
Bonusový termínovaný vklad
Úrokové sadzby v % p.a. platné od 14.11.2014
Pre fyzické osoby
| Základná úroková sadzba | 6M |
|---|---|
| 1 EUR - 29 999,99 EUR | 0,01 |
| 30 000 EUR a viac | 0,01 |
| Sankčný úrok1 | 0,01 |
Pre právnické osoby
| Základná úroková sadzba | 6M |
|---|---|
| od 1 EUR | 0,01 |
| Sankčný úrok1 | 0,01 |
Výška bonusu
| Výška bonusu2 | 6M |
|---|---|
| 1. prolongácia | +0,01 |
| 2. prolongácia | +0,01 |
| 3. prolongácia | +0,01 |
| 4. prolongácia | +0,01 |
| 5. prolongácia | +0,01 |
- pri predčasnom výbere časti alebo celého vkladu z Bonusového termínovaného vkladu sa sankčný poplatok počíta z predčasne vyberanej sumy za počet dní nedodržania viazanosti vkladu s použitím sankčného úroku uvádzaného v tabuľke pre Bonusový termínovaný vklad.
- na bonus k základnej úrokovej sadzbe (platnej v deň obnovy účtu) má klient nárok po splnení podmienky, že v priebehu viazanosti neuskutoční žiadny výber resp. nezníži počiatočný vklad inou transakciou a zároveň prostriedky ponechá na účte aj po obnove vkladu. Pri porušení tejto podmienky klient stráca nárok na bonus na nasledujúcu viazanosť a vklad je úročený základnou úrokovou sadzbou. Ak je však následne podmienka na priznanie bonusu opäť splnená, bonus bude priznaný rovnakým spôsobom ako pre novootvorený vklad (max. do 36 mesiacov od otvorenia tohto účtu).
Debit cards
All publications related to debit payment cards can be found on Terms and Conditions page.
