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| − | {{DISPLAYTITLE: | + | {{DISPLAYTITLE:List of Czech bank accounts for foreigners}} |
| − | + | == Foreign bank account? Where to withdraw cash == | |
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If you are still only having a foreign bank account, you probably need to withdraw cash with your foreign Visa or Mastercard. | If you are still only having a foreign bank account, you probably need to withdraw cash with your foreign Visa or Mastercard. | ||
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=== Currency exchange at Czech banks === | === Currency exchange at Czech banks === | ||
| − | This is much different with Czech banks: They have a different rate for buying EUR and selling EUR – and in between a spread. For instance, you would change 1 EUR into 25 CZK | + | This is much different with Czech banks: They have a different rate for buying EUR and selling EUR – and in between a spread. For instance, you would change 1 EUR into 25 CZK, for for changing these 25 CZK bank into EUR, a rate of 1 to 26 CZK is applied, giving you back only 0.96 EUR. |
On average, you loose around 3% when exchanging EUR to CZK via a Czech bank. With Revolut, it is rarely over 1%. | On average, you loose around 3% when exchanging EUR to CZK via a Czech bank. With Revolut, it is rarely over 1%. | ||
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** send the CZK to your simple Czech bank account | ** send the CZK to your simple Czech bank account | ||
| − | Vice versa for sending | + | Vice versa for sending money. |
| − | * | + | |
| − | * | + | == What do I need to open a Czech bank account? == |
| − | * | + | Most banks will require from you: |
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| + | * an ID / passport | ||
| + | * a proof of residence, can be | ||
| + | ** a rental contract | ||
| + | ** temporary/permanent residence permit | ||
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| + | With these documents, go to a branch of the following banks. | ||
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| + | == Free bank accounts with English support == | ||
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| + | === Fio banka === | ||
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| + | [https://www.fio.cz/?lng=2 Fio banka] is a branch bank that also offers online banking. Their website has an English interface, and also in their branches you can find English speaking customer service. | ||
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| + | They offer a free [https://www.fio.cz/bank-services/bank-accounts/current-account?lng=2 current account] that can hold Czech currency (CZK), but also in many others (at the moment: AUD, CAD, DKK, EUR, GBP, HRK, HUF, CHF, JPY, NOK, PLN, RUB, SEK, USD). | ||
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| + | Besides, you get | ||
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| + | * a free Mastercard for contactless payments | ||
| + | ** another payment card for a second person | ||
| + | * up to 10 cash withdrawals / month at Fio ATMs | ||
| + | ** 5 at other ATMs | ||
| + | ** 1 withdrawal in foreign country per month | ||
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| + | ''See also:'' [https://www.fio.cz/bank-services/bank-accounts/current-account?lng=2 More features] | ||
| + | |||
| + | === Raiffeisenbank === | ||
| + | German-based Raiffeisenbank offers [https://www.rb.cz/en/personal/accounts/current-accounts two current accounts]: | ||
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| + | * ''[https://www.rb.cz/en/personal/accounts/current-accounts/chytry-ucet Chytrý účet]:'' simple but free | ||
| + | * ''[https://www.rb.cz/en/personal/accounts/current-accounts/aktivni-ucet Aktivný účet]:'' 49 CZK / month but including many features | ||
| + | |||
| + | ==== Chytrý účet ==== | ||
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| + | The '''Smart account''' (''Chytrý účet'') has no running fees but also not many features included. What you get included: | ||
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| + | * a CZK account (for any further currency, you pay 29 CZK / month) | ||
| + | * a debit card | ||
| + | * a credit card | ||
| + | * free cash withdrawal at ATMs in Czechia | ||
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| + | Read more about [https://www.rb.cz/en/personal/accounts/current-accounts/chytry-ucet Chytrý účet] | ||
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| + | ==== Aktivný účet ==== | ||
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| + | With the '''Active account''' (''Aktivný účet'') you pay 49 CZK / month and get additionally | ||
| + | * not only an account in CZK but also optionally in EUR, USD, GBP, CHF, JPY, CAD, PLN, HUF ... | ||
| + | * free cash withdrawal at ATMs not only in Czechia but worldwide | ||
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| + | Read more about [https://www.rb.cz/en/personal/accounts/current-accounts/aktivni-ucet Aktivný účet] | ||
| − | + | === Equabank === | |
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| − | + | Equabank is a Czech bank and offering a free current account in CZK, including: | |
| − | + | * free cash withdrawal at ATMs worldwide | |
| + | * free Mastercard debit card | ||
| + | * optional: an account in EUR | ||
| + | * free incoming and outgoing transactions in EUR and CZK | ||
| − | + | Account opening is possible in [https://www.google.com/maps?q=equa+bank branches] or online. | |
| − | + | Read more about [https://www.equabank.cz/en/current-account Equabank's current account] | |
| − | + | <!-- https://www.sberbank.cz/en --> | |