0.80%
%
p.a.
2 years in EUR
0.80%
%
p.a.
2.5 years in EUR
0.80%
%
p.a.
3 years in EUR

 Checkout all offers

All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once each year. This allows individuals to compare more easily what return they can expect from their savings over time.

Partner Bank J&T Banka

J&T Banka a.s. (‘J&T Bank’) was founded in 1998 in Prague, Czech Republic. It is considered a reliable partner for customers expecting the highest standards in service and product. As one of the fastest growing banks in the region, J&T Bank strives to help increase the value of its customers’ investments.

By the end of September 2014, J&T Bank had more than 42 thousand customers. With 4.2 billion Euros on the balance sheet, it is now one of the largest private banks in the region.

The bank ended the first half of 2014 with an operating profit of 934 million Czech Crowns, which constitutes a 47% increase in profit. The bank intends to continue its profitable growth pattern.

 

About the Czech Republic

The Czech Republic is located in the heart of Europe. It has been an active member of the European Union for just over a decade, and therefore enjoys unrestricted access to the EU market. In terms of economic strength, the Czech Republic is considered a highly developed industrial nation and is a key player in the economy of Central and Eastern Europe. National debt to GDP rates in the Czech Republic are amongst the lowest in the whole of the EU. The major ratings agencies give the country ratings with a stable outlook. The banking system in the Czech Republic is seen as healthy and stable.

Deposit Guarantee the Czech Republic

Deposits with J&T Bank are protected in full by the Czech Deposit Guarantee Scheme (Fond pojištění vkladů) for amounts up to 100,000 Euros per customer. This protection covers the deposits of all individuals, not just Czech citizens. More information about the national Deposit Guarantee Scheme in the Czech Republic can be found at http://www.fpv.cz

All Member States of the European Union have agreed on the need to better protect savers. Throughout Europe, the minimum requirements for national Deposit Guarantee Schemes were harmonized a number of years ago (EU Directives 94/19/EC, 2009/14/EC, and 2014/49/EU). These Directives provide a standardized, high level of protection of deposits across the EU regulating, among other things, repayment modalities and repayment deadlines.

All Bank offers

0.80 %
2 years EUR Go to offer
0.80 %
2.5 years EUR Go to offer
0.80 %
3 years EUR Go to offer
0.80 %
4 years EUR Go to offer
0.80 %
5 years EUR Go to offer
0.80 %
10 years EUR Go to offer
0.75 %
1.5 years EUR Go to offer
0.70 %
1 year EUR Go to offer
0.45 %
9 months EUR Go to offer
0.30 %
6 months EUR Go to offer

Tax process and documents

The standard withholding tax rate on interest in the Czech Republic is 15%. This can usually be lowered by providing the bank with a certificate of tax residence. The exact lowered withholding tax rate will depend on your country of residence.

J&T Banka requires an original copy of the completed application form as well as ID document and proof of address in order to open a new deposit account. This will be required during Raisin‘s registration process and forwarded directly on to the bank once verified. All customers who have successfully opened a Raisin Account will be able to submit the required documents quickly and conveniently online. The entire process is free of charge, with no hidden fees further down the line.

What is Raisin?

Raisin’s goal is to offer savers high interest rates! We give you access to exclusive savings products from all over Europe – Raise your interest with Europe’s #1 savings marketplace!

Raisin's over 60,000 customers have invested more than EUR 2 billion in our 27 partner banks.

The feedback from our customers speaks for itself: we have a rating of 4.6 out of 5 and a recommendation rate of 96 percent on the independent German rating portal Bankingcheck. Raisin was also voted the best German term deposit marketplace 2014 and 2015. 

Raisin guarantees a smooth process and the management of your investments with all of our partner banks via one single platform.

This communication is made by J&T Banka a.s. registered with the Commercial Register maintained by the Metropolitan Court in Prague, Czech Republic, Section B, File No. 1731 as a stock corporation (J&T Banka). J&T Banka (Branch of Bank) is regulated by the Czech National Bank to the extent of its competences as defined by applicable Legal Regulations.

Its paid up capital and reserves exceed CZK 9,558,000 (equivalent to EUR ~350,000 as of July 7, 2015) All deposit products referred to in this communication are provided by J&T Banka (Branch of Bank) and as such are afforded the protections of Czech laws.
The products are subject to the protections by the Czech Deposit Guarantee Scheme “Fond pojištění vkladů” (http://www.fpv.cz) in full for amounts up to EUR 100,000 per customer.