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MONETA Money Bank Savings Account

The MONETA Money Bank savings account is a straightforward product for short- and medium-term saving of spare cash, with instant access to deposits and withdrawals. It suits customers who want to grow their savings without a lock-in period or complicated conditions — the account can be opened on its own, without being tied to holding a current account with MONETA Money Bank.

Interest rate and tiers

The savings account rate is split into two tiers based on the balance. Balances up to CZK 1,000,000 earn 2.6% p.a., a rate the bank guarantees until 30 September 2026. The portion of the balance above CZK 1,000,000 earns a much lower 0.5% p.a. Customers with larger savings should therefore expect the effective yield on their full balance to be lower than a simple 2.6% would suggest — above the CZK 1 million threshold, interest accrual essentially flattens out.

A key advantage is that the 2.6% rate applies automatically to every crown up to that limit, regardless of whether the customer is new or existing, how many transactions they make, or whether they also open a current account. The bank sets no such conditions for earning the rate.

Conditions, fees and opening the account

Maintaining the savings account is free — the bank charges no account-keeping fee and no fees for deposits, withdrawals, or incoming and outgoing payments. No minimum deposit is required to open the account, so it can be opened with a zero balance. It can be set up online or at a branch, either on its own or together with a current account — but holding a current account with MONETA Money Bank is not a condition for getting the savings account or for earning the stated rate.

The 2.6% guarantee runs until the end of September 2026 — after that date the bank may change it, which is worth keeping in mind when comparing the account's long-term value.

Verdict

The MONETA Money Bank savings account offers a no-conditions, no-fees rate of 2.6% p.a. on balances up to CZK 1,000,000, guaranteed until 30 September 2026, making it an attractive option for everyday savings in the hundreds-of-thousands range. Customers with larger sums should note that above the CZK 1 million mark the rate drops to 0.5% p.a. — in that case it's worth considering spreading savings across more than one product or bank.