Business Start

Business Start by UniCredit Bank: a business account with no monthly fee

Business Start is a business account from UniCredit Bank aimed primarily at new entrepreneurs and smaller companies looking for a simple, low-cost way to run day-to-day business finances. The account is held in Czech koruna and comes with one Mastercard Business debit card.

Account fee and overdraft

The main advantage of this account is that maintenance is free forever, with no conditions attached — there is no minimum turnover, transaction count, or other requirement to keep the fee at zero. For a new entrepreneur, that means banking costs are predictable and zero from day one.

The account also offers a starter overdraft of up to CZK 100,000, which can help bridge short-term cash-flow gaps in the early months of running a business. The exact interest rate and approval conditions for the overdraft are not stated in the available sources — for those details you would need to ask the bank directly.

Card and ATM withdrawals

The account comes with one Mastercard Business debit card. Withdrawals at UniCredit Bank ATMs are free. Withdrawals at other banks' ATMs, domestic or foreign, are free only when the amount withdrawn exceeds CZK 2,000 — smaller withdrawals are subject to a fee.

Payments

Business Start includes unlimited domestic payments and unlimited SEPA payments within the eurozone, so frequent outgoing payments in koruna or euros carry no extra charge.

Who it suits

The account is built mainly for new entrepreneurs and smaller companies who want zero fixed account-keeping costs plus a starter overdraft for the first months of business. Businesses that make frequent small withdrawals from other banks' ATMs, or that need an account in a currency other than CZK, may want to look at other offers, since Business Start is only available as a koruna account.

Pros and cons

• Account maintenance free forever, no conditions
• Starter overdraft up to CZK 100,000
• Unlimited domestic and SEPA payments at no charge
• Free withdrawals at UniCredit Bank ATMs

• No welcome bonus
• Withdrawals under CZK 2,000 at other banks' ATMs are charged
• CZK-only account
• Overdraft terms and rate are not publicly specified

Summary

Business Start is a simple, transparent business account best suited to new entrepreneurs who value a zero monthly fee with no conditions and a starter overdraft of up to CZK 100,000. Anyone who needs frequent small ATM withdrawals abroad or a multi-currency account should weigh other offers too.