Termínovaný vklad

ČSOB Term Deposit

A term deposit is a classic savings product for clients who want to lock in spare funds for a fixed period at a known interest rate, without needing access to the money during that period. ČSOB, one of the largest banks on the Czech market, offers this deposit with a 12-month term – making it more suitable for medium-term saving than for funds you may need to access at any time.

Interest Rate

According to the available data, ČSOB offers this deposit at a rate of 3.20% p.a. for a 12-month term. The rate applies for the entire agreed term. This is the only specific rate-and-term combination we have on record – the source data does not list any other term options (e.g. 3, 6, or 24 months) or different rates for larger deposits, so this review cannot assess whether a different term would come with a different rate.

Terms and Minimum Deposit

The minimum amount required to open this deposit is 5,000 Kč. The upper deposit limit is not stated in the available data, nor is information on whether opening the deposit requires holding a current account with ČSOB, or whether interest is credited periodically or only at the end of the term. We recommend confirming these details directly with the bank or in its current price list before signing.

Pros and Cons

• Rate of 3.20% p.a. applies for the whole 12-month term
• Low minimum deposit of 5,000 Kč – accessible even for smaller savings
• Simple product that does not require actively following the market

• Only one rate-and-term combination is available (12 months)
• No information on the upper deposit limit or any requirement to hold a current account with ČSOB
• Funds are locked for 12 months, which reduces flexibility compared to a savings account

Summary

The ČSOB term deposit, offering 3.20% p.a. over 12 months, is a straightforward choice for clients who want to lock in an amount of 5,000 Kč or more for a year at a known rate. Before signing up, we recommend checking the bank's current price list and exact contract terms – especially if you are considering a different term or a larger deposit, since these options are not described in the available data.