As of July 2026, the best savings account rates in Czechia stand at 4.0–4.25% per annum. The formal top rate comes from the Artesa cooperative at 4.25%, though it requires a mandatory membership contribution; among banks, mBank leads with 4.21%, Raiffeisenbank offers up to 4.2%, and Trinity Bank gives 4.08%. Top rates almost always come with strings attached — a balance cap, card payments, or regular incoming transfers — so your actual return depends heavily on how you use the account.
In this guide, we'll explain how a spořicí účet works, who currently offers the highest rates, what conditions hide behind the word "až" ("up to"), how deposits are insured, how much tax you'll pay on interest, and how to open such an account with a passport and residence permit. Banks revise their rates every few weeks, so always check the current figures on the specific bank's website before opening an account.
A spořicí účet is an interest-bearing savings account that lets you withdraw money at any time, with no penalties and no notice period. This sets it apart from a term deposit (termínovaný vklad), where funds are locked in for a fixed period. Interest is usually credited monthly (daily in the case of Revolut), and the rate floats — the bank can change it at any time, provided it gives advance notice.
A savings account is almost always tied to a current account at the same bank. If you don't have one yet, start with our guide on how to open an account at a Czech bank and our comparison of the best banks for foreigners.
Summary based on bank data and reviews from Kurzy.cz and Měšec.cz as of July 2026. Rates shown are annual (p. a.), before the 15% tax deduction.
| Bank | Rate | Cap for top rate | Main condition |
|---|---|---|---|
| Artesa (cooperative) | 4.25% | no cap | membership fee — one-tenth of the deposit, not insured |
| mBank (mSpořicí účet Plus) | 4.21% | up to 250,000 Kč | incoming transfer from another bank of at least 15,000 Kč/month + 5 card payments |
| Raiffeisenbank (Bonusový spořicí účet) | up to 4.2% | up to 500,000 Kč | 10 card payments + investment |
| Trinity Bank | 4.08% | up to 200,000 Kč | funds transferred from another bank |
| Banka CREDITAS (Spořicí účet +) | up to 4.0% | up to 500,000 Kč | regular investments from 3,000 Kč/month |
| Česká spořitelna (Invest+) | 3.8% | per bank's terms | tied to investment products |
| ČSOB (Spoření s bonusem) | 3.8% | per bank's terms | bonus conditions |
| Fio banka (Fio konto) | 3.25% | per bank's terms | bank's conditions |
| Air Bank | 2.6% | up to 300,000–500,000 Kč | 5 card payments per month |
| MONETA | 2.6% | per bank's terms | bank's conditions |
| Revolut | 1.25–2.75% | up to 2,500,000 Kč per account | rate depends on plan |
Important: banks often guarantee a rate only until a specific date. For example, mBank is holding 4.21% until at least August 16, 2026, while Trinity Bank guarantees 3.30% on amounts above the cap until August 31, 2026. After these dates, rates may drop — check the "úrokové sazby" section on the bank's website.
Artesa isn't a bank — it's a savings cooperative (spořitelní družstvo). The 4.25% rate applies with no cap, but by law depositors must pay a membership contribution equal to one-tenth of the deposited amount: to place 100,000 Kč on interest, you'd need to contribute an additional 10,000 Kč. The deposit itself is protected by the state insurance scheme, but the membership fee is not: it earns no interest and is refunded upon leaving the cooperative, subject to its financial performance. Once you factor in this "frozen" tenth of your money, the real return is noticeably lower than the advertised 4.25%.
The 4.21% rate applies to balances up to 250,000 Kč. It's credited unconditionally for the first three months after opening the account; after that, two requirements kick in: an incoming transfer from another bank of at least 15,000 Kč per month, and at least five card payments. Balances between 250,000 and 500,000 Kč earn 4.01%, between 500,000 and 3,000,000 Kč — 3.41%, and above 3 million — 3.21%.
The elevated 4.0% rate on balances up to 500,000 Kč goes to clients who make at least 10 card payments a month. The bank adds another 0.2% for investing: a regular contribution of at least 500 Kč per month, or a one-off investment of at least 400,000 Kč into the bank's products. Without this activity, the rate is minimal.
Trinity Bank pays 4.08% on the first 200,000 Kč and 3.30% on any balance above that. There's no need to pay by card or invest — the only condition is that the funds arrive via a transfer from another bank (as a new deposit). It's a convenient option for a "passive" emergency fund.
The 2.6% bonus rate applies to balances up to 300,000 Kč, provided you make at least five card or phone payments per month. If your total monthly inflows to your Air Bank accounts reach 25,000 Kč or more, the cap rises to 500,000 Kč. Warning: if you don't hit five card payments, the bank won't credit any interest at all on the Czech-koruna savings account.
Revolut launched koruna-denominated savings accounts in the summer of 2025. The rate depends on your plan: Standard and Plus — 1.25%, Premium — 1.75%, Metal — 2.5%, Ultra — 2.75% per annum. Note that Revolut displays the rate after deducting Lithuania's 15% tax — the gross rate is higher. Interest accrues daily, with a cap of 2,500,000 Kč per account; check the app for the current rate on your specific plan. The return is noticeably lower than Czech market leaders, but it's convenient if you're already using Revolut for multi-currency transactions — see our guide on sending money via Wise and Revolut for more.
Two things to keep in mind. Revolut deposits are insured under the Lithuanian deposit guarantee scheme (also up to €100,000), and Czech tax residents must declare income from a foreign bank themselves in their Czech tax return — the tax already withheld in Lithuania is then credited against it.
All banks and cooperatives with a Czech license participate in the Garanční systém finančního trhu (Financial Market Guarantee System). If a bank goes under, the state repays 100% of deposits, including accrued interest, up to the equivalent of €100,000 (roughly 2.4–2.5 million Kč) per client per bank. Payouts begin within 7 business days.
Interest on savings accounts at Czech banks is subject to withholding tax (srážková daň) at 15%. The bank withholds the tax automatically and credits you the net amount — you don't need to include this interest in your tax return. In other words, a nominal 4.2% rate translates into a real after-tax return of about 3.57%.
Foreign accounts (Revolut and other neobanks without a Czech license) are trickier: the Czech tax authority doesn't automatically see tax withheld abroad, so you must declare the income yourself and credit the foreign tax under the relevant double taxation treaty. For details on filing, see our guide how to file a tax return in Czechia; for anything unusual, accountants can help. If you worked in Czechia and overpaid tax, also check our guide on tax refunds.
No separate permanent residence status is required — legal residency and documents the bank accepts for identification are enough. Some banks (such as mBank or Air Bank) are more relaxed toward newly issued residence permits than the large traditional banks.
As of July 2026, it's 4.25% per annum at the Artesa cooperative (with a mandatory membership contribution equal to one-tenth of the deposit), and 4.21% at mBank for active clients. Rates change every few weeks, so check the current rate on the bank's website before opening an account.
A 15% tax is withheld on interest. A Czech bank does this automatically, and this income doesn't need to go into your tax return. Interest from a foreign bank (such as Revolut) must be declared yourself.
Yes. The state-run Garanční systém finančního trhu covers deposits plus interest up to €100,000 per client per bank, with payouts starting within 7 business days. Revolut deposits are covered by the equivalent Lithuanian scheme, with the same limit.
Yes. Savings account rates float — the bank can change them at any time, provided it notifies clients in advance, usually via online banking and its website. "Guaranteed" rates only hold until the announced date, so check the terms every month or two.
As many as you like — including at different banks simultaneously. Many people do exactly this: keep up to 200,000–250,000 Kč in the bank with the highest rate, and the rest in a second bank, to get around caps and boost their insurance coverage.
You can withdraw money from a savings account at any time, but the rate floats. A term deposit (termínovaný vklad) locks in the rate for the whole term, but your money is locked up, and early withdrawal incurs a penalty. For an emergency fund, a spořicí účet is the right choice.
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