Termínovaný účet

Komerční banka Term Deposit at a Glance

The term deposit from Komerční banka is a straightforward savings product with a fixed, guaranteed interest rate — suitable for clients who have spare cash and want to park it for a few months without worrying about rate fluctuations. Unlike a savings account with a variable rate, here you know exactly how much money you'll get at the end of the term, because the rate is fixed for the entire deposit period.

Interest Rates by Deposit Term

Komerční banka offers three variants depending on how long you're willing to lock up your money:

• 3 months – 2.5% p.a.
• 6 months – 2.5% p.a.
• 12 months – 3% p.a.

The top rate of 3% p.a. is only available on the longest, 12-month variant — for the shorter 3-month and 6-month deposits, expect the lower rate of 2.5% p.a. The rate is guaranteed for the entire deposit term, so you don't need to worry about the bank lowering it partway through.

Conditions and Fees

The minimum deposit is CZK 5,000, and the maximum amount you can place in the account is CZK 10,000,000 — a range that covers both small reserves and larger savings. Opening and maintaining the account is free, as is withdrawing the money once the agreed term ends. If you need to withdraw the money early, before the deposit matures, this is possible through the MojeBanka internet banking platform for a fee of CZK 250 (on the newer KB+ platform, early withdrawal is governed by the product's current terms) — so keep in mind that early access to your money comes at a cost and should be treated as a fallback option, not a planned move.

Summary

Komerční banka's term deposit is a typical conservative product for parking spare cash with a guaranteed rate — it's most attractive on the 12-month variant at 3% p.a., while the shorter 3-month and 6-month deposits come with the lower 2.5% p.a. rate. Opening and maintenance are free, and the CZK 5,000 minimum deposit makes it accessible even for smaller reserves. The downside is the CZK 250 fee for early withdrawal if you need the money before the term ends — so think carefully before opening the account about how long you can realistically do without the funds.