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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* 0,20 

* 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.

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* 0,40 

* 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 0.39% p.a., i.e. at the total rate of 0.40% 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* 0,20 

* 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 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* 0,40 

* 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 0.39% p.a., i.e. at the total rate of 0.40% 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

Current accounts for legal entities

 

VÚB Biznis Account* % p.a.
Credit 0,00
Unauthorized debit 18,00
EUR savings account for legal entities <= 10 000 EUR** 0,30
EUR savings account for legal entities > 10 000 EUR** 0,01

* Od 9.7.2016 platí pre klientov s obratom do 1 mil. € vrátane

** Split interest rate – a type of interest-bearing method for credit interest where individual layers of the savings account balance accrue interest at different interest rates. The balance of up to EUR 10,000 bears interest at 0.60% p.a.; for any funds over this limit the interest rate of 0.10% p.a. is used.


Flexibiznis Account* % p.a.
Credit 0,00
Unauthorized debit 18,00
EUR savings account for legal entities <= 10 000 EUR** 0,30
EUR savings account for legal entities > 10 000 EUR** 0,01

* As from 9 July 2016 applicable to clients with a turnover of over EUR 1 million

** Split interest rate - a type of interest-bearing method for credit interest where individual layers of the savings account balance accrue interest at different interest rates. The balance of up to EUR 10,000 bears interest at 0.60% p.a.; for any funds over this limit the interest rate of 0.10% p.a. is used.


Current account for legal entities  % p.a.
Credit  0,00
Unauthorized debit  18,00

EUR subsidy current account  % p.a.
Credit  0,00
Unauthorized debit  18,00

Foreign currency current account for legal entities  % p.a.
CZK  0,00
GBP  0,00
USD  0,00
Other foreign currencies  0,00
Unauthorized debit (CZK, GBP, USD) 18,00
Unauthorized debit (other foreign currencies) 18,00

Term deposits

Term deposits (EUR)

Interest rates expressed as % p.a., valid from 1 September 2016

Term deposit – natural persons - non-entrepreneurs

  do 1M 1M  3M  6M 9M  12M 18M  24M  36M 42M 48M 
 <= 70 000* 0,01 0,01 0,01 0,01 0,01 0,05 0,05 0,10 0,10 0,10 0,10

 

Term deposit – entrepreneurs and legal entities

  do 1M 1M  3M  6M 9M  12M 18M  24M  36M 48M 
 <= 70 000* 0,01 0,01 0,01 0,01 0,01 0,05 0,05 0,10 0,10 0,10

 

 

Kombiprodukt1 - natural persons and legal entities

Interest rates expressed as % p.a., valid from 1 April 2019

  12M2
 >= 333 2,00

* 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 VÚBAM mutual funds (specifically: Active Bond Fund, Central European Bond Fund, Dynamic Portfolio, Balanced Growth Fund, Active Magnifica, Flexible Conservative Fund). In order to enjoy profitable interest rates in a term deposit, the pre-requisite must be fulfilled of a minimum investment of EUR 1,000, divided in the 1:2 ratio between the term deposit and mutual funds Active Bond Fund, Central European Bond Fund, Dynamic Portfolio, Balanced Growth Fund, Active Magnifica, Flexible Conservative Fund.
  2. If clients make an investment in VÚB AM Active Bond Fund, VÚB AM Central European Bond Fund, VÚB AM Dynamic Portfolio, VÚB AM Balanced Growth Fund, VÚB AM Active Magnifica, or VÚB AM Flexible Conservative Fund as part of Kombiprodukt, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Kombiprodukt investment, of which 2/3 must be invested in mutual funds. The minimum Kombiprodukt investment is EUR 1,000 for all six VÚB AM funds: VÚB AM Active Bond Fund, VÚB AM Central European Bond Fund, VÚB AM Dynamic Portfolio, VÚB AM Balanced Growth Fund, VÚB AM Active Magnifica and VÚB AM Flexible Conservative Fund, and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 333) and the funds (in the minimum amount of EUR 667; as part of one Kombiprodukt it is possible to invest in any combination of the remaining six 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 VÚB AM mutual funds involved in Kombiprodukt 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 Kombiprodukt, 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.

Flexideposit Extra

Valid from 1 September 2016

in % p.a. 36M 42M 48M
from EUR 1 upwards 0,10 0,10 0,10

Flexideposit Extra – Additional deposits

  in % p.a. 1M 3M 6M 12M 24M
from EUR 1 upwards 0,01 0,01 0,01 0,05 0,10

* 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 *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.

 

** 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.

 

Foreign currency term deposit

Interest rates valid from 1 September 2016

CZK1

(v % p.a.) do 1M 1M 3M 6M2 12M
2 500 - 1 759 999,99 0,00 0,01 0,01 0,01 0,05
 >= 1 760 000 3          

GBP1

(v % p.a.) do 1M 1M 3M 6M 9M 12M
50 - 55 999,99 0,00 0,01 0,01 0,01 1,00 0,05
 >= 56 000 3            

USD1

(v % p.a.) do 1M 1M 3M 6M 9M 12M
100 - 69 999,99 0,00 0,01 0,01 0,01 1,50 0,05
 >= 70 000 3            

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.


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. The interest rates also apply to 9M CZK term deposits that are no longer sold.
  3. Interest rates are determined individually (IUS) at the VÚB point of sale.
  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, and 90 days for a 12M deposit.

Guaranteed Deposit

Structured deposits  
Interest rate valid during the initial binding period  1,00% p.a.
Entry fee 1.00% of the funds invested

Savings passbooks

 

Savings passbook with no deposit binding period

Currency % (p.a.)
v EUR 0,01
v USD 0,01

EUR savings passbook with a notice period

Interest rates valid from 15 May 2018

Period Base interest rate in % (p.a.) Penalty interest rate in % (p.a.)
1M 0,01 0,00
3M 0,01 0,00
6M 0,01 0,00
9M 0,01 0,00
12M 0,01 0,01
18M 0,01 0,01
24M 0,01 0,01
48M 0,01 0,01

In case of an early withdrawal of the entire deposit or a part thereof from savings passbooks with a notice period, the penalty fee is calculated from the sum being withdrawn early, for the number of days of non-compliance with the deposit notice period, using the penalty interest rate as specified in the table for the respective notice period.


Children's Savings Passbook*

Interest rates valid from 15 June 2019

  % (p.a.)
Base interest rate 0,40
Base + Additional interest rate (additional interest rate = 100% of the base interest rate paid) 0,80

* The client will receive the additional interest rate if they make no withdrawal, including no withdrawal of interest, from the Children’s Savings Passbook during the calendar year, and if the Children’s Savings Passbook has already been in existence for more than 1 calendar year.

If the client fulfils the condition of an average daily balance of EUR 700 in the month under review (for the entire number of days in the respective month), and if he has such average balance for the entire number of days in the respective month available in the Children’s Savings Passbook for at least 15 days of the given month, the client receives a free bonus in the form of accident insurance.

Deposit products no longer available for opening

Current accounts

Flexi Account % p.a.
Credit interest until 31 July 2016 0,01 
Credit interest from 1 August 2016 0,00 
Flexi Account Extra ≤ EUR 1001 1,00 
Unauthorized debit (Late payment receivable)2 +5,00
Savings Account  
Base interest rate  
<=20 000 EUR3 0,10 
>20 000 EUR3 0,01 
Base interest rate + bonus interest rate  
<=20 000 EUR3 0,50 

1) The preferential Flexi Account Extra interest rate applies, if the pre-requisite of accounting at least 12 transactions a month and simultaneously the pre-requisite of receiving the total amount of EUR 500 in the account a month have been fulfilled. The preferential rate is applied to the balance up to the amount of EUR 100. The balance exceeding such limit accrues interest at the standard interest rate. The difference between the preferential interest rate and the standard interest rate is credited to the Flexi Account no later than the 6th day of the next calendar month.

2) outside the scope of the standard interest rate applicable to authorized overdrafts

3) Split interest rate – individual layers of the savings account balance bear interest at different rates. From 1 May 2016, the savings account of up to EUR 20,000 accrues interest at the base interest rate of 0.10% 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 0.10% p.a. + bonus interest rate of 0.40% p.a., i.e. at the total rate of 0.50% p.a. Amounts in excess of EUR 20,000 bear interest at 0.01% p.a.

 


 

VUBenefit

Master konto  0,01% p.a.

Foreign Currency Current Account

CHF Current Account – natural persons and legal entities  0,00% p.a.

Flexibiznis Account

Flexibiznis Account** % p.a.
Credit interest until 31 July 2016 0,01
Credit interest from 1 August 2016 0,00
Unauthorized debit 18,00
EUR savings account for legal entities <= 10 000 EUR* 0,60
EUR savings account for legal entities > 10 000 EUR* 0,10

* Split interest rate – a type of interest-bearing method for credit interest where individual layers of the savings account balance accrue interest at different interest rates. The balance of up to EUR 10,000 bears interest at 0.60% p.a.; for any funds over this limit the interest rate of 0.10% p.a. is used.

** As from 9 July 2016 applicable to clients with a turnover of up to EUR 1 million

Term deposits

Interest rates valid from 1 May 2016

EUR Dynamic Term Deposit

Natural persons1 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

 

Legal entities 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

 

Combiprodukt

Combiprodukt - until 30 April 20162- natural persons and legal entities 12M
333 EUR4 3,00

 

Combiprodukt - until 30 April 20163- natural persons and legal entities 12M
333 EUR4 2,00

In case of an early withdrawal of the deposit, the interest on the sum withdrawn will be reduced for a period of no more than:

* 15 days in respect of deposits with a binding period of up to one month (including),
30 days in respect of deposits with a binding period of up to 3 months (including),
60 days in respect of deposits with a binding period of up to 6 months (including),
90 days in respect of deposits with a binding period of up to 12 months (including),
270 days in respect of deposits made in a promotional term deposit in the period from 27 November 2012 to 31 December 2012, with a binding period of 18 months (including), up to the maximum amount of the accumulated interest,
180 days in respect of deposits made in Kombiprodukt VIII and IX

  1. Such interest rates shall also apply to the V-konto savings passbook that is no longer on sale.
  2. Combined investment in 12M EUR term deposits and VÚBAM mutual funds, specifically: Dynamic Portfolio, Flexible Magnifica, Active Magnifica and Flexible Conservative Fund. The pre-requisite for a profitable interest rate in the term deposit was a minimum investment of EUR 1,000 divided in the 1:2 ratio between the term deposit and the VUBAM mutual funds chosen, or EUR 1,500 in the case of Active Magnifica and Flexible Magnifica investments. I.e. 1/3 of the investment went to the term deposit and 2/3 to the funds.
  3. Combined investment in the 12M EUR term deposit and VÚBAM mutual funds, except for Euro Fund, CP Secured Fund I and Bank Deposits Fund as part of Kombiprodukt. The pre-requisite for a profitable interest rate in the term deposit was a minimum investment of EUR 1,000 divided in the 1:2 ratio between the term deposit and the VUBAM mutual funds chosen, or EUR 1,500 in the case of Active Magnifica and Flexible Magnifica investments. I.e. 1/3 of the investment went to the term deposit and 2/3 to the funds.
  4. The deposit amount in the term deposit accruing interest at the respective interest rate during the term deposit’s first binding period makes up 1/3 of the Kombiprodukt investment. 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 mutual funds 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 such term deposit.
  5. If clients make an investment in VÚB AM World Edition Fund and Active Bond Fund as part of Kombiprodukt, they are entitled to opening a term deposit with a preferential interest rate for the deposit amount equal to 1/3 of the total Kombiprodukt investment, of which 2/3 must be invested in mutual funds. The minimum Kombiprodukt investment is EUR 1,000 for both VÚB AM funds: World Edition Fund and Active Bond Fund, and the client must divide the investment in the 1: 2 ratio between the term deposit (in the minimum amount of EUR 333) and the fund (in the minimum amount of EUR 667). 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 VÚB AM mutual funds involved in Kombiprodukt 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 Kombiprodukt, the client shall pay the same penalty fee as applicable to the standard term deposit.

VÚB, a.s. accepts no additional deposits in deposit accounts that are no longer on sale.


EUR savings deposits with a notice period

Time period Base interest rate Penalty interest rate
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

Guarantee Deposit

Guarantee Deposit  
1M 0,01
3M 0,01
6M 0,01
12M 0,01
2R 0,01
4R 0,01

Revolving Deposit

Revolving Deposit  
7D 0,01
1M x
3M x

1- and 3-month deposits are converted to R Konto Plus.


Foreign Currency Dynamic Term Deposit

Interest rates valid from 7 April 2014

     1M  3M  6M2  12M
CZK from CZK 2,500 upwards  0,01  0,01  0,01  0,01
GBP from GBP 50 upwards  0,01  0,01  0,01  0,01
CHF from CHF 150 upwards  0,00  0,00  0,00  0,00
USD1 from USD 100 upwards  0,01  0,01  0,01  0,01

In case of an early withdrawal of the deposit, the interest on the sum withdrawn will be reduced:

for the period of 15 days in respect of a deposit with a binding period of up to 1 month (including),
for the period of 30 days in respect of a deposit with a binding period of up to 3 months (including),
for the period of 45 days in respect of a deposit with a binding period of up to 6 months (including),
for the period of 90 days in respect of a deposit with a binding period of up to 12 months (including),

but in any case, only up to the maximum amount of the accumulated interest

  1. Such interest rates shall also apply to the V-konto savings passbook that is no longer on sale.
  2. The interest rates also apply to 9M term deposits that are no longer sold.

Flexideposit1

Interest rates valid from 14 November 2014

Natural persons 36M
1 - 29 999,99 EUR 0,01
30 000 EUR and more 0,01

 

Legal entities 36M
EUR 1 and more 0,01
  1. Early withdrawal up to the amount of 25% of the deposit account balance on June 1 and December 1 is free from the penalty fee. In all other instances, the penalty fee for an early deposit withdrawal shall constitute a reduction in the interest on the amount withdrawn as at the date of withdrawal, but in any case for a total period of no more than 360 days (applicable to accounts opened until 31 August 2012), or for a total period of no more than 1,080 days (applicable to accounts opened in the period from 1 September 2012 to 30 September 2013). In this respect, the bank shall have the right to charge the penalty fee for an early withdrawal against the principal whenever the interest was credited earlier that the title thereto arose.

The VÚB Bank accepts no additional deposits for products that are no longer on sale.


Flexideposit Extra for Legal Persons1

Interest rates valid from 14 November 2014

Flexideposit Extra 48M
EUR 1 and more 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). In all other instances, the penalty fee for an early deposit withdrawal shall constitute a reduction in the gross interest on the amount withdrawn for 540 days, but in any case up to the maximum amount of the accumulated interest, or the bank shall have the right to charge the penalty fee for an early withdrawal against the principal whenever the interest was credited earlier that the title thereto arose.

Savings passbooks

F/X savings passbook with no deposit binding period

F/X savings passbook with no deposit binding period  
CZK 0,01
GBP 0,01
CHF 0,00

Bonus term deposit

Interest rates expressed as % p.a., valid from 14 November 2014

For natural persons

Base interest rate 6M 
EUR 1 – 29,999.99 0,01
EUR 30,000 and more 0,01
Penalty interest rate1 0,01

For legal entities

Base interest rate 6M 
from EUR 1 upwards 0,01
Penalty interest rate1 0,01

Bonus amount

Bonus amount2 6M
1st renewal +0,01
2nd renewal +0,01
3rd renewal +0,01
4th renewal +0,01
5th renewal +0,01

  1. in case of an early withdrawal of the entire deposit, or any part thereof, from the Bonus Term Deposit, the penalty fee is calculated from the amount withdrawn early for the number of days of non-compliance with the deposit binding period, using the penalty interest rate as specified in the table for the Bonus Term Deposit.
  2. the client shall be entitled to receive a bonus to the base interest rate (valid on the account renewal date) upon the fulfilment of the condition that during the binding period no withdrawal is made, or the initial deposit is not reduced by any other transaction and the funds are left in the account even after the deposit renewal. In the case of breach of this condition, the client loses his entitlement to the bonus for the next binding period, and the deposit bears interest at the base interest rate. If, however, the bonus award condition is fulfilled again later, the bonus will be awarded in the same manner as in the case of a newly opened deposit (within 36 months from the opening of such account, at the latest).

Internet Deposit

At present it is not possible to open Internet Deposit.

Conventional term deposits can be opened at any VÚB Bank branch.

Interest rates valid from 1 September 2016


For natural persons1

in % p.a. 1M 3M 6M 12M 24M 36M
EUR 1 and more 0,01 0,01 0,01 0,05 0,10 0,10

For legal entities1

in % p.a. 1M 3M 6M 12M 24M 36M
EUR 1 and more 0,01 0,01 0,01 0,05 0,10 0,10

The penalty fee for an early deposit withdrawal shall amount to a reduction of the accumulated interests2 on the amount withdrawn as at the date of withdrawal, but for no more than a period of:

15 days in respect of a deposit with a binding period of up to 1 month (including),
45 days in respect of a deposit with a binding period of up to 3 months (including)3
90 days in respect of a deposit with a binding period of up to 6 months (including)
180 days in respect of a deposit with a binding period of up to 12 months (including)
360 days in respect of a deposit with a binding period of up to 24 months (including)
1,080 days in respect of a deposit with a binding period of up to 36 months (including)4


  1. Internet Deposit could only be opened via the Internet Banking and Internet Banking Plus services.
  2. In case of deposits with agreed interest rates exceeding 1 year, the bank shall be entitled to charge the penalty fee (in the amount of gross interest) for an early withdrawal against the principal, if the interest was credited earlier than the title thereto actually arose.
  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, 90 days for a 12M deposit and 240 days for a 24M deposit.
  4. For deposits with a 36-month binding period related to accounts opened until 31 August 2012, the penalty fee for an early withdrawal constitutes reduction in the accumulated interest for a period of no more than 360 days..

Debetné karty

All publications related to debit payment cards can be found HERE, in the Payment Card section.