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Everything KB Offers

Here you will find all of the products and services that Komerční banka offers to individuals – natural persons. The products and services are arranged in alphabetical order in the overview.

  • 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 as well as for other purchases? Then the 2 in 1 Mortgage is designed just for you – a loan that will allow you to obtain money for anything you want!

  • A Card

    A smart card that will make your shopping more enjoyable through numerous discounts, save your time and help you save for retirement. The A Card is an international embossed credit card that provides continuous access to interest-free credit.

  • Agreement on Administration of a Purchase Price

    Are you purchasing or selling some real estate and would like to have certainty that the money will be paid out in due manner? The principle of the agreement is simple: the buyer comes up with the purchase price in the agreed amount and the bank accepts this amount into its administration and, under the agreed terms and conditions, pays it out to the seller.

  • American Express Traveller's Cheques

    American Express Traveller's cheques – 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. Thanks to Amundi Funds, you can invest in foreign currencies and diversify your investment across various geographical locations and various types of assets. If your investment in the funds lasts for more than 6 months, it is income tax exempt.

  • Authorised Overdrafts for Individuals

    With authorised overdraft for drawing on your current account into the red, you will be able to shop without concerns. With an authorised overdraft, you do not need to worry about a lack of funds for your everyday requirements or for the settlement of standing orders.

  • Back and Forth Mortgage

    The Back and Forth Mortgage allows you to obtain a mortgage before you have selected a specific piece of real estate. The agreed loan terms and conditions are valid for up to 6 months – KB guarantees the agreed interest rate for this period. What is more, you can combine the mortgage with other types of mortgages (Flexible Mortgage or 2 in 1 Mortgage).

  • Bank Cheque Issued by KB

    Choose a secure method of settling commercial payments or private liabilities. Komerční banka guarantees cashing of the cheque, so both the recipient and the payer enjoy certainty. We issue bank cheques in several currencies.

  • Bridging Mortgage Loan

    If you have Modrá pyramida building savings or capital life insurance and would like to invest in a home, you can make use of a bridging mortgage loan. With this loan, you can finance up to 100% of the price of the real estate.

  • Building Savings

    The Building Savings product is one of the best ways to increase your savings in value, while being exposed to minimum risk. Take advantage of high interest rate on your deposits and get a state support on the top of it. The Building Savings may be used purely as a savings product, using the saved up funds for anything you might need. Alternatively, you may use the product as a loan to purchase or refurbish your housing. Take advantage of the extensive Wise Savings product offer and get the Increasing Interest and many other benefits.

  • Car Insurance

    Arrange Car Insurance at Komerčni banka and choose from a wide range of insurance products from our partner – Česká pojišťovna. In addition to third party liability insurance, we also offer fully comprehensive insurance and supplementary insurance for your peace of mind when on the road.

  • Cash Back – Cash Withdrawal at the Checkout in Shops

    Do you need cash? Cash back allows for the withdrawal of cash directly in shops. The service relates to VISA, VISA Electron, Maestro and Master Card payment cards - debit and credit - from Komerční banka.

  • Credit Card VISA Electron

    VISA Electron international credit card provides continuous access to interest-free credit regardless of the current status of your current account. Shop without any worries!

  • Creditor Protection Insurance for a KB Mortgage Loan

    Are you paying off a mortgage loan? Arrangecreditor protection insurance and protect yourself against financial problems with paying off your mortgage. You can insure yourself against death and full disability, sick leave or loss of a job. If you insure yourself, you receive a discount on the interest rate on your mortgage loan.

  • Czech Government Savings Bonds

    If you are looking for a safe way to appreciate your funds, we offer you government savings bonds issue by the Ministry of Finance of the Czech Republic.

  • Domestic Cashless Payment Transactions

    Quick, convenient, reliable, and diverse – these are the key benefits of domestic cashless payment transactions. It will allow you to execute payment orders, direct debits, express and irrevocable payments in CZK, standing orders, SIPO payments, or arrange direct debits.

  • Domestic Cash Payment Transactions

    At Komerční banka branches, you have the possibility to deposit and withdraw cash in CZK and selected foreign currencies. You also have the possibility to execute foreign exchange transactions even if you are not a client of Komerční banka.

  • e-Card

    Do you want to be able to make on-line purchases quickly and securely? e-Card is a virtual card that allows you to execute all your on-line transactions quickly and securely.

  • EKO Loan and the “Zelená úsporám” Programme

    If you would like to invest in energy savings for your home, we can offer you an EKO Loan with its favourable interest rate. Thanks to cooperation between Komerční banka and the State Environmental Fund, we can also grant you the possibility of receiving a subsidy from the “Zelená úsporám” (Green Savings) programme.

  • Electron Card

    Choose a Visa Electron or Maestro electronic card with an imbedded EMV chip for absolutely secure transactions! This card will accompany you every time you go shopping or make withdrawals from ATMs at more than 49,000 locations in the Czech Republic.

  • Embossed Card/Embossed Card design Lady/Embossed G2 Card

    Do you need a payment card that will be accepted wherever you go in the world? An embossed card meets all the requirements relating to payments under various circumstances. It also includes insurance for your travels abroad. You can choose the embossed card from either MasterCard or Visa.

  • ESSOX Benefit Credit Card (formerly the T-Mobile Bonus Credit Card)

    Convenient credit card with an unique grace period in the Czech Republic! This card will be no longer available for new clients and will be kept only for current KB active card holders. As of 1 January 2013 with a new, very popular benefit – monthly one withdrawal with T-Mobile Bonus Credit Card from KB ATMs free of charge.

  • Expresní linka

    Communicate with us securely and conveniently by telephone! Telephone banking will allow you to carry banking transactions via the 955 559 559 line. Whenever and wherever – we are at your service 365 days a year, 24 hours a day.

  • Expresní linka Plus

    Thanks to Expresní linka Plus, you can enjoy fast access to information about your account on top of the Expresní linka service, even on your computer. You also have the possibility of downloading electronic statements or arranging a meeting at the bank.

  • Flexible Mortgage

    Flexible Mortgage – a loan, which adapts to suit your requirements! Take advantage of the possibility of decreasing your monthly instalments, paying an extraordinary instalment free of charge, deferring the start of repayment or interrupting repayment by up to 3 months. With Flexible Mortgage, you can gain up to 100 % of the amount you need!

  • Foreign Payment Transactions

    Execute your foreign payments in quick, secure, and reliable manner with Komerční banka. Benefit from the foreign payment transactions and place nonrecurring/standing payment orders to foreign countries, or make foreign payments in currencies not listed in the list of FX rates.

  • G2.2

    If you are a student and don’t wish to worry too much about managing your money, make use of the elegant package of products and services available from the G2.2!

  • Garant Loan

    A GARANT Loan is essentially what is known as an American mortgage. It is a cash loan for anything and is secured by real estate. We process the Garant Loan quickly and under more favourable conditions than under a classic cash loan and with a longer maturity.

  • Gaudeamus Loan

    A Gaudeamus Loan is intended for secondary school and university students. You can finance anything that you need for your studies with this loan (tuition fees, a computer, studies abroad, learning aids, etc.). You can postpone payment of the principle until after you complete your studies. You can take advantage of discounts on language courses abroad offered by partners of KB.

  • Gold Card

    A Gold Card for discerning clients will give you style and prestige. With this card, which is issued by VISA and MasterCard, you enjoy unrivalled payment services, including attractive additional products. The services include travel insurance for gold cards for foreign travel and a global assistance service for motorists.

  • Guaranteed Structured Deposits

    One of the possibilities for appreciating your available funds is provide by Guaranteed Structured Deposits, which, through various targeted structured deposits, allow you to enjoy an interesting interest income tied to the development of exchanges rates of two currencies. Invest wisely with Komerční banka.

  • 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 cheque holders.

  • Brouček Children’s Life Insurance

    Insure your child against unpleasant life situations and save for his or her future! Children’s Investment Life Insurance Brouček offers a unique combination of life insurance and the possibility to chose the right investment strategy for the best appreciation of your financial resources.

  • IKS Mutual Funds

    If you do not wish to invest in securities, you can appreciate the value of your available funds on the capital markets through mutual funds. Choose from five types of funds, each with a different level of risk and various investment horizons. Invest with IKS KB – one of the most prestigious investment companies on the Czech market. 

  • Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB

    Komerční banka will arrange for the immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB. With this product, you can hedge against exchange rate risk and be certain that the cheque will be paid out immediately regardless of the amount of the cheque.

  • Immediate Payout of Cheques Made out in a Foreign Currency

    Komerční banka cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately upon presentation. The quality of the cheque and KB’s terms and conditions for cashing of foreign cheques are decisive for cashing of the cheque.

  • Individual Asset Management

    Make use of the services of Investiční kapitálová společnost KB and have this company set up an individual investment strategy for you. Your portfolio manager will create a portfolio made up of selected financial and capital market instruments, which he or she will manage actively with the aim of appreciating your funds to the maximum extent.

  • KB Absolute Return

    If you are a conservative investor and are interested in short-term investments of 12 to 18 months, we can offer you KB Absolute Returns. The objective of the absolute returns strategy is to generate annual returns at the level of the CNB (Czech National Bank) base rate + 1.5%, regardless of the development of share prices.

  • KB Ametyst Flexi

    Would you like to appreciate your funds without the risk of a significant decrease in your investment? KB Ametyst Flexi is a continually guaranteed fund that guarantees protection of your invested capital at 90% of the value of the share certificate. The fund is also protected against currency risk.

  • Free Withdrawals from KB ATMs

    Use your card to pay when you shop and we will reimburse the fee for withdrawing cash from KB ATMs. The more you use your card to do your shopping, the more you save on cash withdrawals.

  • KB Bonus Aktiv Savings Account

    Take advantage of being an active client of KB and have a special bonus paid to your savings account for your loyalty. With the KB Bonus Aktiv Savings Account, your money appreciates more effectively and at the same you have ready access to it.

  • KB Deposit ATM

    Except to standard services as cash withdrawal, balance inquiry or mobile services enables cash deposit in KB current account using a debit card issued on this account.

  • KB Funds

    If you do not want to invest directly in securities, you can invest in the capital markets via KB Funds. You can choose from four funds, each with a different investment strategy. The mutual funds are managed by one of the most prestigious investment companies on the Czech market – Investiční kapitálová společnost KB a.s.

  • KB Guaranteed Deposit

    We offer you appreciation of your available funds and the possibility of withdrawing your money early at no charge. The KB Guaranteed Deposit combines attractive appreciation with high liquidity.

  • KB Private Asset Management

    We offer you appreciation of your available funds via the capital markets in the event you would like to invest directly in securities. KB Private Asset Management combines the advantages of classic open-ended mutual funds and individual asset management.

  • KB Private Cheques

    KB Private Cheques are intended for anyone interested in issuing cheques. We issue to clients private cheques for all types of current accounts.

  • KB Profiled Funds

    KB Profiled Funds represent a simple way of investing for both beginners and experienced investors. Without having to worry or monitor securities prices constantly, you will get a product with which your funds will be actively and effectively appreciated.

  • KB Savings account Bonus

    Enjoy a bonus rate on top of the basic interest rate, thereby appreciating your finances a little more! Thanks to the KB Savings account Bonus you have access to your money whenever you want.

  • KB Start account

    Do you have an active Contract with any company of KB Group or do you trade with securities, but do not own a current account or a package of services? Set up a KB Start account, and if you fulfil the basic conditions, your account will be maintained for free!

  • Ladybird Children's Account

    Did you get money for your child from grandparents or friends and you are thinking where to put them? Forget about piggy bank. Ladybird, the expert in the children’s personal finance, will offer you a better way to evaluate savings.

  • Lady Card

    Lady Card is a unique card that you can use not only to pay for your shopping or withdraw cash, but also to enjoy discounts and gifts within our partnership network. Furthermore, you can also make use of interest-free credit, and with every purchase that you make, we will contribute 1% to your pension savings (III. pillar) account.

  • Loan for Real Estate

    Would you like to replace your furniture? Are you planning a bigger reconstruction project or want to buy a cooperative share? Make use of a real estate loan – a specific-purpose loan for financing investment in housing undermore advantageous conditions. You now also get free creditor protection insurance.

  • Loan Without Risk - Perfect loan

    A Perfect loan – for anything you want! With no charges, no waiting and no need to save, the loan is available within 24 hours. You also have the possibility of free creditor protection insurance. If you use KB Internet banking and have a pre-approved credit limit, you can arrange the loan on-line via the MojeBanka application.

  • Loan Without Risk - Personal Loan

    Do you need funds quickly? Make use of a Loan Without Risk – a personal loan available within 24 hours. In addition, you have the possibility of free creditor protection insurance, and if you use MojeBanka internet banking and have a pre-approved credit limit, you can arrange the loan on-line as well.

  • Merlin payment card insurance

    Insure all your payment cards against misuse in case of loss or theft, anywhere in the world. The insurance also pertains to your personal items stolen along with the card or, for example, unauthorised transactions carried out with your card using the PIN.

  • Mobilní banka

    This unique internet banking service allows you to use banking services anytime and anywhere via the display and keyboard of your mobile telephone. Mobilní banka combines the flexibility of telephone banking and the convenience of Internet banking.

  • Mobilní banka 2

    Do you have a smart phone connected to the internet? Then you can use Mobilní banka 2, whose smart functions and user friendly operation will surely be appreciated by you. Thanks to Mobilní banka 2, you will always have important telephone numbers at hand, be able to find the nearest branch or ATM or be able to simulate a mortgage or loan.

  • MojeBanka

    With internet banking you no longer need to visit the bank; you can perform everyday banking operations securely on-line at any time of day or night. MojeBanka utilises an advanced security solution based on electronic signature standards.

  • MojePlatba

    MojePlatba – this is afast, simple and secure way of making payments on-line for users of the MojeBanka service. The effective payment tool – MojePlatba – makes your on-line payments simple and secure.

  • MojePojištění plateb

    If you would like security even in case of adverse events in your life, insure your payments through MojePojištění plateb. This insurance will provide you with the funds to cover regular monthly expenditures, such as rent, utilities or school or club membership fees.

  • MojePůjčka Plus

    If you are paying off one or more consumer loans, you can make use of a new product called MojePůjčka Plus.  It will allow you to increase the loan principle while keeping your instalments the same as for your existing product. Furthermore, you do not need to document your income.

  • Mopísek Building Savings

    Obtain building savings even for the youngest member of the family. Mopísek Building Savings is a suitable and well-though-out gift when your child is born, goes to school for the first time or for any occasion. This type of buildings savings is intended for children up to the age of 10, inclusive. Concluding the contract is free of charge. The target amount is CZK 150,000.

  • Mopy Junior Building Savings

    Mopy Junior is an advantageous building savings contract for young people aged 11 to 21, inclusive. It is a suitable way to save for those who are still not considering their own home, but soon will. Only half of the fee for concluding the contract is charged, i.e., 0.5% of the target amount.  The target amount is CZK 150,000.

  • 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 own home!

  • MyAccount

    This is a flexible package of products and services that will satisfy  all of your financial needs. Furthermore, you will be signed up automatically for the MojeOdměny plan – if you fulfill certain terms and conditions, we will reimburse up to 100% of the account maintenance fee each month.

  • MyCard

    MyCard – a card with your own design. Thanks to the MyCard 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. Give your card a unique look!

  • Optimal Loan

    Are you over your head in loans? We have the optimum way to decrease instalments on all your loans. In addition to this, you also save on the charges that you pay every month for various loans. With the Optimal loan, you can consolidate your current consumer loans, credit cards and authorised overdrafts.

  • Perfect savings

    Thanks to Perfect savings, you can enjoy above-standard appreciation of your available funds with minimum risk. This is a term deposit with a one-off maturity of 2, 3, 4 or 5 years, with a minimum deposit of CZK 5 000.

  • Platinum

    The Platinum Card is for our demanding clients. In addition to convenience and prestige, the Platinum Card provides a whole range of additional services, such as Priority Pass. With this service, you will have access to more than 600 airport lounges across the world. The card also includes Lifestyle personal assistance or membership in the exclusive Elite Programme.

  • Platinum Visa

    The Platinum payment card is the most prestigious bank product characteristic for its broad range of interesting services that it offers its holders. It includes the LIFESTYLE personal assistance service and above-standard travel insurance for the holder and his family. It is now available in the form of a Platinum Visa payment card.

  • Premium Loan

    Would you like to fulfil your wishes immediately, without waiting and saving? Have you chosen something you need or what you desire, but don’t have enough money for it at this time? Don’t wait and get it now. Make use of our Premium Loan intended to finance you personal needs (car, trip around the world, pool etc.).

  • Pre-mortgage Loan

    The combination of a pre-mortgage and mortgage loan will allow you to finance housing if you still do not have any real estate suitable for use as security. With a Pre-mortgage Loan you can build or reconstruct a house yourself.

  • Property Insurance

    Insure your property and protect it 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

    We offer you secure safekeeping of valuables and important documents. Make use of these boxes for long-term or short-term safekeeping of property up to CZK 10 million in value.

  • Savings for Retirement

    Savings for Retirement will allow you to maintain the standard of living you are used to, even during the period when you are no longer economically active. It is possible to save within the retirement funds of the Second Pillar as well as the participating funds of the Third Pillar, thus significantly mitigating any negative consequences associated with your retirement – at least the financial ones.

  • Term account in a foreign currency

    Take advantage of safe and attractive appreciation of your funds on KB term deposit accounts. You may deposit any amount starting from EUR 1,000 or USD 1,000 for a period of 1 week to 5 years. The interest rate is guaranteed throughout the term of the deposit. No fee is charge for opening, maintaining or cancelling the account.

  • Term account in CZK

    Safe and attractive appreciation of your money on Term account in CZK. You may deposit any amount starting from CZK 5,000 for a period of 1 week 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. 

  • TOP offer

    For all our demanding clients, we have an exclusive package of products and services – TOP offer. The package includes 2 international gold payment cars, direct banking, a virtual payment card or two Merlin insurance policies with the main account. You can also enjoy rewards under the MojeOdměny plan.

  • Trading on the Capital Markets

    Invest your available funds in shares, bonds and mortgage-backed securities. Trade on the Prague Stock Exchange and on international capital markets with a strong and stable partner – Komerční banka. 

  • Trading with Debentures

    If you trade with bonds on the Prague Stock Exchange (PSE) or on the international markets, make use of the services provided by Komerční banka. We charge no fees for submitting instruction to buy and sell bonds or for maintaining your portfolio account.

  • Trading with Debentures on the Prague Stock Exchange

    Komerční banka arranges bond trading on the Prague Stock Exchange (PSE), including settlement of the transaction and administration under advantageous terms and conditions. Invest with Komerční bank – a  stable partner with an experience team.

  • Trading with Securities

    We offer you the possibility to trade securities on the Prague Stock Exchange (PSE) or on international markets. We charge no fees for submitting instructions for buying or selling shares or for maintaining your portfolio account. Invest with a stable partner – Komerční banka.

  • Trading with Securities on the Prague Stock Market

    Invest your available finances in securities trading on the Prague Stock Exchange (PSE) under advantageous terms and conditions. Invest with Komerční banka – a stable partner with an experienced team.

  • Travel Insurance

    With travel insurance you can insure yourself against accident or illness as well as against damage liability, lost luggage, or trip cancellation. We offer a travel insurance programme with a discount of 10%. If you arrange travel insurance on-line, you will obtain a discount and save time.

  • UNIkarta

    If you are a student a certain Czech university, you have the possibility to obtain the one-of-a-kind UNIcard! It is a university, identification and payment card in one. This card is a unique solution to the everyday requirements of university students. Komerční banka is the only bank in the Czech Republic to offer this card.

  • Vital Invest

    Secure your future and invest wisely! Vital Invest investment life insurance offers a unique combination life insurance and investment in funds. With the Vital Invest programme, you choose your investment strategy and influence the returns achieved.

  • Vital Premium

    Vital Premium ispremium life insurance that can be used to appreciate available funds of at least CZK 5 million in a secure and attractive way. The advantage is the possibility to set regular collection of part of the paid insurance premium.  In case of survival, the pre-agreed indemnity is paid out along with dividends.

  • Warrant Trading

    With Komerční banka, you can trade warrants, both on the Prague Stock Exchange (PSE) and on international markets. We charge no fees for submitting orders for the purchase or sale of warrants. Invest with a stable and strong partner – Komerční banka.

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