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Everything KB offers
This page contains an overview of all the products and services designed for individuals by Komerční banka. The product and service overview is arranged in alphabetical order.
2 in 1 mortgage
Do you want to buy your own flat, build a house or reconstruct your real estate? Would you like to gain money for housing and also for other purchases? Then the 2 in 1 Mortgage is designed just for you – a loan, which allows you to gain money for anything you want!
A card
A card that will make your shopping more enjoyable, save your time and help you save up for the future. International embossed credit card with a constant access to an interest-free loan.
Agreement on Administration of a Purchase Price
The essence of the Agreement is deposit of a purchase price by the buyer at the level resulting from the purchase contract, obligation on the part of the bank to accept the purchase price into its administration and to pay out the purchase price (administered amount) to the seller subject to the agreed conditions, or to return this to the buyer.
American Express Traveller's Cheques
American Express Traveller's cheques represent a safe and simple way to protect your money when travelling. American Express Traveller's cheques offer convenience and can frequently be used directly as a means of payment in many hotels, shops and restaurants.
Amundi Foreign Funds
Amundi foreign funds represent high quality investment opportunities. Possibility of investment into foreign currencies and diversification of investment into various geographical locations and various types of assets.
Authorised Overdrafts for Individuals
Authorised overdraft for drawing on your current account into the red. With an authorised overdraft, you do not need to worry about a lack of funds for your everyday requirements or for settlement of standing orders.
Back and Forth Mortgage
The Back and Forth Mortgage allows you to gain a mortgage before you have selected a specific item of real estate. The agreed loan conditions are valid for a period of up to 6 months – KB guarantees the agreed interest rate for the whole of this period. What is more, you also have to possibility of gaining money for real estate, which has already been paid for and use the loan finances for anything you want!
Bank Cheque Issued by KB
A secure method of settling commercial payments or private liabilities. KB guarantees cashing of the cheque, so the recipient also gains certainty that he or she will receive his or her money. KB issues bank cheques in several currencies. Bank cheques can be issued by transfer from a current account up to an unlimited level, or in exchange for payment in cash up to the level of CZK 500,000 or the equivalent in foreign currency.
Bridging Mortgage Loan
A real estate loan secured using Modrá pyramida building savings or capital life insurance.The minimum level of the loan is CZK 100,000. The maturity of the loan in combination with building savings is 1 to 8 years and in combination with capital life insurance 5 to 30 years.
Building Savings
Building savings is one of the most advantageous methods of financing housing, but also for saving any required financial amounts. A combination of your own savings, state support and a loan from Building savings guarantees a reliable source of funds for housing. You can also save advantageously for other purposes. To speed up your path to funds, you can apply for a bridging loan.
Car Insurance
A variable and flexible offer of car insurance. Each product is available in several alternatives. Motor vehicle liability insurance (so-called third party insurance), fully comprehensive insurance, additional insurance (windscreen insurance, luggage insurance, exclusive assistance service, accident insurance, rental fees during repair to the vehicle or insurance for the new price of the vehicle).
Cash Back – Cash Withdrawal at the Checkout in Shops
Cash back allows for withdrawal of cash at the checkout in shops. The service relates to VISA, VISA Electron, Maestro and Master Card payment cards, both debit and credit cards, from Komerční banka.
Credit Card VISA Electron
International credit card VISA Electron provide constant access to an interest-free loan regardless of the current status of your current account.
Creditor Protection Insurance for a KB Mortgage Loan
Creditor protection insurance for applicants or owners of a mortgage loan from Komerční banka. Protection against financial problems with repayment of a mortgage. The basis is insurance for the event of death and full disability. Another option is additional insurance for the event of inability to work and in the comprehensive alternative, also additional insurance for the event of loss of your job. When arranging this, you can also gain a discount on the interest rate for your mortgage loan.
Czech Government Savings Bonds
Komerční banka is a distributor of government savings bonds.
Domestic Cashless Payment Transactions
Domestic cashless transfers can be submitted in CZK in favour of accounts in Komerční banka and to other domestic bank and in foreign currency, only to accounts in Komerční banka. Orders can be submitted at any branch of the bank. A Self-service box is available for clients. Orders can also be submitted with the aid of direct banking products.
Domestic Cash Payment Transactions
Domestic cash transactions allow you to deposit and withdraw cash in CZK and selected foreign currencies at KB branches. Cash can be deposited at cash counters and withdrawals are made using a withdrawal slip or cheque at KB branches, which provide cash services.
E-card
Do you want to be able to make absolutely secure purchases on the Internet? e-Card is a virtual card, which ensures fast and secure implementation of your on-line transactions.
EKO Loan and the “Zelená úsporám” Programme
EKO loan WITH AN ADVANTAGEOUS INTEREST RATE for those who want to live in an environmentally friendly manner and save energy. Cooperation between Komerční banka and the State Environmental Fund on the “Green Savings” programme allows those who think about the environment to gain advantageous conditions.
Electronic Payment Card
A bank card for everyday payments with a built-in EMV chip for maximum transaction security! Visa Electron or Maestro electronic card. Simple withdrawal from all cash machines and payment in more than 49,000 locations in the Czech Republic.
Embossed Card
Do you need a payment card, which will be accepted wherever you go? An embossed card meets all the requirements relating to payments under various circumstances. It also includes insurance for your travels abroad. You can choose either the embossed card MasterCard or Visa.
Expresní linka
Expresní linka for modern, fast and convenient communication with the bank by telephone. A direct banking service, which allows you to use banking services whenever you want via the 955 559 559 line. By activating the additional Expresní linka Plus service, you can also gain access to your accounts via the Internet.
Expresní linka Plus
Expresní linka Plus is a service, which allows for fast access to information about your account at any time of the day or night. It also provides users of telephone banking and all other bank clients the possibility of downloading electronic statements.
Flexible Mortgage
Flexible mortgage – a loan, which adapts to suit your requirements! Possibility of decreasing the level of the monthly instalments, paying an extraordinary instalment free of charge, deferring the start of repayment or interrupting repayment by up to 3 months, gain up to 100 % of the required amount. All services including valuation and insurance of the real estate under one roof!
Foreign currency term deposit account
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from EUR 1,000 or USD 1,000 for the period you deem appropriate (from 1 week to 5 years). The interest rate is guaranteed throughout the term of the deposit. The account opening, maintenance, and cancellation are FREE OF CHARGE.
Foreign Payment Transactions
Foreign payment – the most widespread and simplest payment instrument in foreign cashless payment transactions. Cashless transfer of funds.
G2.2
Flexible products and services package, which is designed to suit every single young person and student from 15 to 30 years of age.
Garant Loan
The GARANT loan, a cash loan for anything. We process the loan quickly and subject to more advantageous conditions than for a classic cash loan. The loan is secured with real estate.
Gaudeamus Loan
A loan for students at universities (including postgraduate study), colleges and secondary schools. For tuition fees, study abroad, or for anything else with the possibility of repayment once your studies have ended. Transfer of the funds to a current account or direct payment of tuition fees to the school's account.
Gold Card
A Gold card for discerning clients. The most globally recognised payment card from VISA and MasterCard. The path to unrivalled payment services including attractive additional products. Travel insurance for gold cards for foreign travel and the global assistance service for motorists.
Guaranteed Structured Deposit
Guaranteed structured deposits extend the offer of deposit products and with a correctly selected investment strategy offer clients a higher income from free funds. The client chooses the method of making the deposit: In the form of a term deposit or deposit bills of exchange. The maturity of the transaction is usually at least 3 months from the date of issue. The minimum volume of one transaction is CZK 25,000,000 or the equivalent of this amount in another of the stated currencies.
Cheques for Collection
Komerční banka mediates collection of cheques payable in any domestic or foreign bank. The service is available to KB clients and other holders of cheques. The bank is only the intermediary for collection of the cheque and does not guarantee its result.
Children account
The Children account is for our littlest customers from birth until the age of 15. The Children account does not burden the family budget. You pay nothing for its establishment, administration, deposits, withdrawals and sending of statements! Give your child a “grown-up“ present! There is also a children payment card to go with the Children account!
Children life insurance Brouček
Insurance and savings in one. Children investment life insurance Brouček offers protection against unpleasant situations in life. It can be arranged by the parents or grandparents of the child or even an unrelated adult. Brouček offers flexibility when deciding where to invest funds (and thus also affecting future income), and which risks to insure.
IKS Mutual Funds
Possibility of increasing the value of free funds via the capital markets if you do not want to or cannot invest directly into securities. The offer of mutual funds from Investiční kapitálová společnost KB ranks it among the most prestigious investment companies on the Czech market. The IKS Family of funds provides a wide range of possibilities for investing with a differing level of risk and various investment horizons.
Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB
Komerční banka ensures immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB subject to meeting of the stipulated conditions.
Immediate Payout of Cheques Drawn Up in a Foreign Currency
Komerční banka, a.s., cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately on presentation. The quality of the cheque and KB conditions for cashing of foreign cheques are decisive for cashing of the cheque.
Individual Asset Management
Possibility of increasing the value of your free funds. The essence of the product consists in creation and active management of a portfolio made up of selected instruments on the financial and capital market. This portfolio is managed by a portfolio manager from Investiční kapitálová společnost KB. Trading takes place in the client's accounts.
KB Absolut Return
A fund for short-term investments of 12 to 18 months intended for conservative investors. The objective of the fund is to generate annual returns at the level of the CNB (Czech National Bank) base rate + 1.5%.
KB Ametyst Flexi
A better increase in value of funds with no risk of any significant decrease in your investment. KB Ametyst Flexi allows you to participate in the growth of the global capital markets. It also guarantees that over the course of one year its value will not fall below 90% of the value of the mutual fund from the first business day of the given year.
KB ATM withdrawals
Have the KB ATM withdrawals for free. Get a refund of the fee for a withdrawal from KB ATMs for each point of sale payment you make with your debit/credit card.
KB Funds
Increasing the value of free funds via the capital markets for those who do not want to or cannot invest directly into securities. The offer of mutual funds from Komerční banka is managed by one of the most prestigious investment companies on the Czech market – Investiční kapitálová společnost KB a.s.
KB Guaranteed Deposit
Increase in the value of free funds and the possibility of withdrawing your money early at no charge if you suddenly need access to it. The KB Guaranteed deposit combines attractive appreciation with high liquidity.
KB Private Asset Management
Increase in value of free funds via the capital markets if you do not want to invest directly into securities. High quality of investment services and an individual approach to reporting about the current performance and composition of the portfolio. KB Private asset management combines the advantages of classic open-ended mutual funds and individual asset management, which you can invest in starting from CZK 1 mil.
KB Private Cheques
KB issues clients with blank private cheques for all types of current accounts.
KB Profiled Funds
KB Profiled Funds represent a simple way of investing disposable financial funds for both beginners and experienced investors. Without the worries and constant monitoring of the securities prices, you will get a product, which actively and effectively manages your funds.
KB Savings Account
Effective continuous increase in value of your free funds and also the possibility of access to your funds whenever you need. The KB Savings account combines attractive appreciation with immediate liquidity.
KB Savings Account Bonus
A high level of appreciation of free funds with the possibility of access to your money whenever you want. The KB Bonus Savings account combines the advantages of a classic savings account and a special bonus as a reward for depositing your money with KB. Of course there are no fees for establishment or management of the account!
KB Start Account
A free products and services package for owners of an active Agreement on the provision of collective investment securities trading without any current account/products and services package in KB. Comprehensive coverage of specific banking needs without any account administration fee.
KB Top Savings Account
A significantly better continuous and safe increase in the value of free funds than with a classic current account. The KB Top Savings account with an attractive interest rate that grows according to the size of your deposit, which combines attractive appreciation with immediate liquidity.
Lady Card
A unique card every woman must have in her purse. A payment card for those, who wish to use an attractive means of payment to facilitate their everyday shopping and to make their dreams come true. International embossed credit card with a constant access to an interest-free loan.
Loan for Real Estate
The Real estate loan, specific-purpose loan for financing investment into housing. We process the Real estate loan quickly, subject to more advantageous conditions than a classic consumer loan. You also get free creditor protection insurance to cover long-term illness, loss of work, disability of death.
Loan Without Risk - Perfect Loan
The Perfekt loan for anything you want. With no charges, no wait and no savings, you gain a loan within 24 hours. Free creditor protection insurance to cover long-term illness, loss of work, disability or death. If you use KB Internet banking and have a preapproved credit limit, you can arrange the loan on-line via the MojeBanka application.
Loan Without Risk - Personal Loan
A Personal loan for financing your personal requirements. Loan within 24 hours. Possibility of free creditor protection insurance to cover long-term illness, loss of employment, disability or death. If you use KB Internet banking and have a preapproved credit limit, you can arrange the loan on-line via the MojeBanka application.
Merlin
Merlin – insurance, which protects you all around the world against the consequences of misuse of your payment card in the event of its loss or theft. Merlin is the only insurance, which also protects you in the event of misuse of cards issued by other banking institutions based in the Czech Republic. The other risks covered by Merlin insurance include theft of cash withdrawn using the card, loss or theft of personal documents and keys, theft and subsequent misuse of a mobile telephone and also theft or damage to goods, which were purchased and paid for using a KB card.
Mobilní banka
A revolutionary Internet banking service from Komerční banka predominantly for individual and small-scale entrepreneurs. Mobilní banka allows you to use banking services any time and any place via the display and keyboard of your mobile telephone. Mobilní banka combines the flexibility of telephone banking and convenient Internet banking.
Mobilní banka 2
A direct banking service from Komerční banka available whenever you want and wherever you are via the display and keyboard of a mobile telephone which is connected to the Internet. Mobilní banka 2 is characterised by a high level of user friendliness and usefulness. Thanks to Mobilní banka 2, you always have important telephone numbers at hand.
MojeBanka
Simple communication with the bank via the Internet. MojeBanka – a modern Internet banking service from Komerční banka. MojeBanka allows you to gain information about your accounts and to perform banking operations from the comfort of your own home or office at any time of the day or night regardless of branch opening hours. MojeBanka utilises an advanced security solution based on electronic signature standards.
MojeKarta
MojeKarta – a card with your own design. Thanks to the MojeKarta service, you can design your own card just the way you like. You could for example have a picture of a favourite place, pet, your family or friends on the card.
MojePlatba
A fast, simple and secure method of making payments on the Internet for users of the MojeBanka service. The effective payment tool – MojePlatba – makes payment on-line simple and secure.
MojePojištění plateb
MojePojištění plateb is an insurance linked to a current account in KB. It will provide financial funds for the payments of regular monthly expenditures in case of your long-term sick leave, disability or loss of employment. It will also protect your family in case of a sudden decease caused by an accident. The indemnification limit is determined on the basis of the regular payments made from an account of the insured person.
MojePůjčka Plus
New product intended for existing KB clients, who are currently paying off one or several consumer loans. It will allow you to increase the loan principle with similar installment as for your existing products, without the need to document your income.
Mopísek Building Savings
Mopísek is an advantageous building savings product for your child up to the age of 10. State support, not only for housing.
Mopy Junior Building Savings
Mopy junior is an advantageous building savings contract for young people aged 11 to 21, with state support, not only for housing.
Mortgage Loan
Do you want to buy a house or flat and live in your own home at last? Do you need to resolve problems with co-ownership of real estate or inheritance proceedings? Do you want to buy a cooperative flat? Do you want better housing? Make use of a Mortgage loan and invest in your housing!
MůjÚčet
Flexible products and services package, which will satisfy the financial needs of all clients and provide something extra. The composition and the final price of the package is up to you.
Optimal Loan
The optimal way to decrease instalments on your loans. In addition to this, you also save on the charges, which you pay every month for various loans. The Optimal loan can be used for consolidation of your current consumer loans, credit cards and authorised overdrafts.
Perfect Savings
Take advantage of the attractive annual interest rate up to 2.50% and benefit from safe valuation of your funds. Use the Perfect Savings and deposit any amount exceeding CZK 5,000 for the period of 2, 3, 4 or 5 years, whereas the interest rate is guaranteed throughout the term of the savings. Any accrued interest is credited every 3 months. If need be, the deposited funds will be released immediately. The account is set up, maintained, and cancelled free of charge.
Platinum
A payment card for demanding clients. Platinum card for prestige, convenience and status wherever your travels may lead you.
Premium Loan
Any individual, Czech citizen, foreigner with permanent residency in the Czech republic and any EU citizen with temporary or permanent residency permit in the Czech republic. Premium loan is designed exlusively for personal, non-business needs.
Pre-mortgage Loan
For financing of housing in a situation when you still do not have any real estate suitable for use as security. Make use of a combination of a Pre-mortgage loan and a Mortgage loan. As soon as you gain real estate for use as security for the Mortgage loan, you repay the Pre-mortgage loan with the Mortgage loan.
Property Insurance
Insurance for property and liability for your peace of mind. Protection of property against a wide range of extraordinary events such as fires, flooding, flash floods, explosions, theft, excess voltage, damage by vandals and other risks. Liability insurance protects you against expenses relating to settlement of damages, which you could cause to others during your everyday life.
Rental of Safety Deposit Boxes
For secure safekeeping of valuables and important documents. KB safety deposit boxes for long-term or short-term safekeeping of property up the level of CZK 10 mil.
SEPA EuroPayment
Do you make payments in EUR? Then the SEPA EuroPayment is the perfect product for you – a KB product which can be used to make payments within the SEPA area (= EU 27 + Iceland, Lichtenstein, Norway, Monaco and Switzerland).
Supplementary Pension Insurance
Supplementary pension insurance with a state contribution – financial security for your old age. A long-term savings product for creation of sufficient financial reserves.
Term deposit account maintained in CZK
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from CZK 5,000 for the period you deem appropriate (from 1 week up to 12 months). The interest rate is guaranteed throughout the term of the deposit. In case you own any of the specified current account packages, you will receive additional interest rate bonus of 0.2% per annum. The account opening, maintenance, and cancellation are FREE OF CHARGE.
T-Mobile Bonus Credit Card
The T-Mobile Bonus credit card with great advantages. Free calls, SMS, MMS and other services free of charge from T-Mobile. A loyalty programme and unique credit card in one.
TOP Offer
An exclusive package of financial products and services for very demanding clients.
Trading on Capital Markets
Investment of free funds into shares, bonds and mortgage bonds. Possibility of trading on the Prague Stock Exchange. All of this in terms of KB services in the field of Capital market trading.
Trading with Debit Notes
Provision of purchase and sale of bonds on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Debit Notes on the Prague Stock Exchange
Procurement of purchase and sale of bonds on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Trading with Securities
Provision of purchase and sale of shares on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Securities on the Prague Stock Market + E86
Procurement of purchase and sale of shares on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Travel Insurance
Travel insurance for peace of mind on your travels. Combination possible with a suitable additional insurance policy (accident, liability for damage, luggage and trip cancellation). Travel insurance programmes with a discount of 10%, for individuals and for families with children. Possibility of arranging Travel insurance on-line with a discount – saving you time and money.
UNIkarta
UNIkarta – a combined university identification and payment card. A unique solution for the everyday requirements of university students, which is offered by Komerční banka – the only bank in the Czech Republic to do so.
Vital Invest
Vital Invest investment life insurance: A unique combination of investing into funds and life insurance. With Vital Invest, you decide on investment of deposited funds and influence the income achieved. Vital Invest is a modern and flexible product, which you can continuously adapt to suit your changing demands and requirements.
Vital Premium
Vital Premium is premium life insurance from Komerční banka. Advantageous and secure appreciation of a larger volume of funds. Insurance, which adapts to suit your requirements and expectations.
Warrant Trading
Procurement of purchase and sale of warrants on the Prague Stock Exchange (PSE) or on international markets including settlement of the transaction and administration – c-client.
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