Insured Institutions

Deposits at banks, building savings banks and cooperative credit unions with their registered office in the Czech Republic are insured by law. The branches of banks with registered office outside an EU Member State are also obliged to participate in the Czech deposit insurance system.

List of institutions insured by the Guarantee System

Banks with their registered office in the Czech Republic

• Air Bank, a. s.
• Banka CREDITAS, a. s.
• Česká exportní banka, a. s.
• Česká spořitelna, a. s.
• Československá obchodní banka, a. s.
• Fio banka, a. s.
• Hypoteční banka, a. s.
• J&T BANKA, a. s.
• Komerční banka, a. s.
• Max banka a. s.
• MONETA Money Bank, a. s.
• Národní rozvojová banka, a. s.
• Partners Banka, a. s.
• PPF banka, a. s.
• Raiffeisenbank, a. s.
• TRINITY BANK a.s.
• UniCredit Bank Czech Republic and Slovakia, a. s.

Branches of banks with their registered office outside EU 

• Bank of Communications Co., Ltd., Prague Branch, odštěpný závod
• Industrial and Commercial Bank of China Limited, Prague Branch, odštěpný závod

Building savings banks

• ČSOB Stavební spořitelna, a. s.
• Modrá pyramida stavební spořitelna, a. s.
• MONETA Stavební Spořitelna, a.s.
• Raiffeisen stavební spořitelna, a. s.
• Stavební spořitelna České spořitelny, a. s.

Cooperative Credit Unions

• Artesa, spořitelní družstvo
• Citfin, spořitelní družstvo
• České spořitelní družstvo
• NEY spořitelní družstvo
• Peněžní dům, spořitelní družstvo
• Podnikatelská družstevní záložna

Deposits held at branches of foreign banks with their registred office in another EU Member State

Deposits at branches of foreign banks with registered office in an EU Member State operating on our market, for example mBank, Všeobecná úverová banka etc., are insured according to the legislation in the country in which the bank has its registered office. If such bank goes bankrupt, the payout of deposit compensation for these banks in the Czech Republic will now be organised by the Financial Market Guarantee System according to the instructions of the foreign deposit insurance scheme from the country in which the bank has its registered office. The Guarantee System will also provide information and accept written submissions on behalf of the foreign deposit insurance scheme.

List of banks insured in EU countries having branches in the Czech Republic

• Bank Gutmann Aktiengesellschaft, pobočka Česká republika (deposits insured in Austria)
• Bank of China (CEE) Ltd. Prague branch, odštěpný závod (deposits insured in Hungary)
• BNP Paribas SA, pobočka Česká republika (deposits insured in France)
• BNP Paribas Personal Finance SA, odštěpný závod (Hello bank!) (deposits insured in France)
• Citibank Europe plc, organizační složka (deposits insured in Ireland)
• COMMERZBANK Aktiengesellschaft, Prague Branch (deposits insured in Germany)
• Dell Bank International Designated Activity Company, Czech Republic Branch (deposits insured in Ireland)
• Deutsche Bank Aktiengesellschaft Filiale Prag, organizační složka (deposits insured in Germany)
• FCM Bank (deposits insured in Malta)
• HSBC Continental Europe, Czech Republic (deposits insured in France)
• Inbank (deposits insured in Estonia)
• ING Bank N.V. (deposits insured in the Netherlands)
• mBank S.A., organizační složka (deposits insured in Poland)
• Oberbank AG, pobočka Česká republika (deposits insured in Austria)
• PARTNER BANK AKTIENGESELLSCHAFT, odštěpný závod (deposits insured in Austria)
• PKO BP S.A., Czech Branch (deposits insured in Poland)
• Privatbanka, a.s., pobočka Česká republika (deposits insured in the Slovak Republic)
• Saxo Bank A/S, organizační složka (deposits insured in Denmark)
• SMBC Bank EU AG, Prague Branch (deposits insured in Germany)
• Volksbank Raiffeisenbank Nordoberpfalz eG pobočka Cheb (deposits insured in Germany)
• Všeobecná úverová banka, a. s., Prague Branch (deposits insured in the Slovak Republic)
• Western Union International Bank GmbH, organizační složka (deposits insured in Austria)