Tom Plus

Tom Plus by MONETA Money Bank: a free account with no conditions

Tom Plus is a personal account from MONETA Money Bank aimed at customers who want a simple account with no monthly fees and no conditions attached to waiving them. Unlike many competing offers, where a zero fee depends on a minimum monthly income or a certain number of card payments, MONETA Money Bank does not require any such conditions for Tom Plus — the account is free regardless of how much you actually use it.

Fees and account maintenance

Maintaining the Tom Plus account is free with no conditions whatsoever. You don't need to have your salary paid into the account, make a minimum number of card payments, or meet any other requirement for the maintenance fee to be waived — simply because there is no maintenance fee for this account in the first place. That makes it a suitable choice even for customers who want the account as a backup or use it only occasionally.

The account comes with a free standard debit card, including a second card for an authorized user — typically a partner or another family member with access to the account. The second card therefore adds no extra cost on top of the basic account maintenance.

ATM withdrawals are free both domestically and abroad — MONETA Money Bank does not charge any fee for the withdrawal itself, regardless of where the ATM is located. However, keep in mind that the operator of a particular ATM (especially abroad or at non-bank ATM networks) may charge its own fee independently of the bank — this is common practice across the market and not specific to this account, but it's worth flagging so readers don't mistake a foreign ATM charge for a MONETA Money Bank fee.

The bank's live offer page also mentions the option to arrange an overdraft on the account as an optional add-on, typically in connection with switching from another bank. In the base Tom Plus offer, however, the overdraft is not an automatic feature or a condition — it is a service that needs to be arranged separately.

The CZK 3,000 bonus: how hard is it really to get

Tom Plus offers new customers a bonus of up to CZK 3,000, but this is not a one-off reward for simply opening the account — it is spread over six months and directly tied to actual card usage. Specifically, a new customer gets 5% back on every payment made with the debit card issued to the Tom Plus account, for six months from account opening. The monthly cap on the reward is CZK 500, so the maximum possible reward over the full six-month period is CZK 3,000.

For the bonus to apply, several conditions must be met at the same time:

• The applicant must be at least 15 years old
• The applicant must be a new customer, or a customer who has not held a current account with MONETA Money Bank in the preceding six months
• Payments must be made with the card issued specifically to the Tom Plus account, not with another card or by bank transfer
• The reward is calculated on a rolling monthly basis and capped at CZK 500 — higher card spending in one month does not carry over to other months

The amount you can realistically achieve therefore depends heavily on how much you actually spend on the card each month. To hit the full CZK 500 monthly cap, you need to pay at least CZK 10,000 by card in that month, since 5% of CZK 10,000 is exactly CZK 500. For many ordinary households that means covering practically all everyday spending — groceries, bills, fuel — with the card, not just an occasional extra purchase. Those who pay less by card get proportionally less, so the full CZK 3,000 realistically goes to customers who genuinely use the card as their main payment method for all six months in a row. This is not an easy CZK 3,000 for merely opening an account, but cashback you effectively have to earn through regular, consistent card spending.

Who the account suits

Tom Plus suits customers above all who want a simple, free personal account with no strings attached and don't want to worry about meeting a minimum income or transaction count, as some competing offers require. Thanks to the bonus programme, it is especially attractive to those who pay by card often and in sufficient volume — for them, the cashback can realistically approach the full CZK 3,000 cap over the six-month period. Conversely, for customers who use their card only occasionally or prefer cash, the bonus will remain largely symbolic, even though the free account maintenance itself benefits everyone regardless of spending volume. Given the minimum age of 15, the account is also accessible to younger customers who are just starting to manage their own finances.

How to open the account

The account can be opened via the MONETA Money Bank website; the minimum age condition for claiming the bonus is 15. The exact opening process — whether a branch visit is required or the whole process, including identification, can be completed fully online — is not described in detail on the offer page.

Pros and cons

Pros

• Account maintenance completely free with no conditions
• Free second card for an authorized user
• Free ATM withdrawals in the Czech Republic and abroad
• Cashback of up to CZK 3,000 for new customers

Cons

• The full bonus requires at least CZK 10,000 in card spending per month
• The bonus is only for new customers, not existing ones
• Foreign ATM operators may charge their own fee
• Overdraft is not part of the base offer

Verdict

Tom Plus is a straightforward choice for anyone who wants a genuinely free personal account with no catches like a minimum income or payment count. The CZK 3,000 bonus is a real added value, but definitely not an automatic one — the full amount only goes to customers who pay by card often and in sufficient volume for all six months from opening. Anyone looking for a fee-free account who also regularly pays by card will find Tom Plus a solid offer; anyone who mostly uses cash will mainly appreciate the free account maintenance, while the bonus will remain largely theoretical for them.