Interest rates for deposit products

* 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fee for an early withdrawal of the deposit shall amount to a reduction of the accumulated interests3 on the amount withdrawn as of the date of withdrawal, but for no more than a period of: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, Global Portfolio and/or Stock 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,Global Portfolio and/or Stock Portfolio.

2. If clients make an investment in Eurizon SK Dynamic Portfolio, Balanced Growth Fund, Global Portfolio and/or Stock 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, Global Portfolio and/or Stock 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.

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.

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.

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.                     
4. The client will receive bonus interest if the resulting value of the EUR/CZK 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.
5. The client will receive a bonus interest if the end price of the Index in EUR is above the strike value on the relevant decision day. The strike value will be the end price of the Index on the day specified in accordance with the Special Terms and Conditions of the Premium Deposit valid for specific issue.

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.

* 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 €