What is Insured?
Insured are the deposits of both individuals (natural persons) and companies (legal entities) that are kept at banks, building societies, or cooperative savings banks in Czech crowns or in foreign currencies, including interest.
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Insured Deposits
All of the following types of deposits kept at banks, building societies or cooperative savings banks are automatically insured with the Deposit Insurance Fund.
- Current accounts in Czech crowns or foreign currencies held for individuals and legal entities
- Savings accounts in Czech crowns or foreign currencies held for individuals and legal entities
- Term accounts in Czech crowns or foreign currencies held for individuals and legal entities
- Deposit accounts in Czech crowns or foreign currencies held for individuals and legal entities
- Saving Books in Czech crowns or foreign currencies held for individuals and legal entities
Uninsured Deposits
- Bills of exchange and securities (e.g., stock, bonds, unit certificates)
- Deposits of banks (inter-bank deposits), financial institutions (e.g., investment companies, pension funds, unit trusts), health insurance funds and state funds
- Subordinated debts (deposits which the insured institution may in part include in its capital)
Deposits Kept in the Branches of Foreign Banks
These deposits are insured in the deposit insurance system in the country of the registered seat of the parent bank. The minimum level of deposit insurance in EU countries, like in the Czech Republic, is 100% of the deposit, but to a maximum of EUR 100,000. Information about deposit insurance shall be provided to clients by the relevant branch of a foreign bank or it can be obtained from the relevant deposit insurance system.
Věděli jste, že..?
- Váš vklad je pojištěn automaticky ve chvíli, kdy uzavřete smlouvu s bankou a vložíte na účet své prostředky.
- Nemusíte nikam chodit, nic podepisovat, hlídat žádné termíny a nic platit.
- Pojištění je jednotné a ze zákona pro všechny, odpadají různé „výhodné“ nabídky.
