Saving and Investing

Complete overview of products and services included in the section Saving and Investing

This list contains an overview of the products and services included in the Saving and Investing section of Komerční banka. The product and service overview is arranged in alphabetical order.

• 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.

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• 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.

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• 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.

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• 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.

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• 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. 

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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. 

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• 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. 

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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.

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• 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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