Ceska Sporitelna AS

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GSL reference about the bank

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The bank belongs to a large European financial group Erste Group and holds itself out as open to all kinds of business

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    Bank's characteristics

    General information and rating

    Global rating Countrywide rating Countrywide rating of the head bank Global rating of the head bank Credit rating
    Not rated Not rated 1 98 A-
    Year of foundation 1825
    History The bank was founded in 1825 and joined Erste Group in 2000
    Personnel The bank employs over 10 000 staff. The bank has English-speaking staff
    Bank’s shareholders The bank’s major shareholder is Erste Group (99.2%)
    Confidentiality Double Taxation Agreement with Russia is signed; AML legislation is strictly observed

    Minimum requirements

    Minimum balance, € Transactions permitted per month Initial deposit of funds, € Deadline for the initial deposit, month Minimum turnover, €/year
    0 0 1 000 000
    Initial deposit of funds, € The bank has no minimum balance or initial deposit requirement
    Minimum turnover, €/year The minimum turnover is about EUR 1 000 000
    How fast payments are executed The value date is the second day

    Tariffs and services

    Outcoming transfer, € Incoming transfer, € Account maintenance, €/year Payment limit for credit cards, €/day Funds to be blocked for CC issue, €
    70 0 360 N/A N/A
    Outcoming transfer, € SEPA / FIT transfer fee (over EUR 50 000) is CZK 220 (appr. EUR 8). Fee for cross-border transfer in CZK or foreign currency (over EUR 50 000) is 1% (min. CZK 220, max. CZK 1 900 (EUR 70))
    Incoming transfer, € There is no fee for incoming transfers
    Account maintenance, €/year The bank charges the account opening fee of CZK 30 000 (appr. EUR 1100) if the client visits the bank office in Prague and the fee of CZK 40 000 (appr. EUR 1500) if there is no visit (forms are signed at the embassy). Corporate account maintenance fee depends on how transfers are made (e-payments, by email etc) and how often bank statements are prepared and ranges from CZK 25 to 1500 monthly (up to EUR 670 annually)
    Distant access to the account Telebanking, Internetbanking, GSM banking, Mobile bank
    Financial products The bank offers a full range of private banking services, including current accounts, credit cards, loans, deposits, and escrow accounts
    Credit/debit cards International debit cards: Visa Business (CZK 400 - EUR 15); Visa Business Plus (CZK 1 200 - EUR 45); Visa Business Gold (CZK 3 700 - EUR 137). International prepaid cards: Prepaid Business Maestro (CZK 230 - EUR 9). International credit cards: Kredit+ MasterCard Business (CZK 650 - EUR 24)

    Account opening procedure

    Days to open for incoming transfers Days to open for outcoming transfers References Business description Purpose of the account
    7 7 Not necessary Sketchy Current
    Visit to the bank An account can be opened with client visiting Prague. In this case, the cost will be EUR 1500 and the account will be opened quicker. The account can also be opened remotely. In this case, the cost will be EUR 2000 (as documents will need to be certified at the embassy) and the procedure will take a little longer
    Required A copy of internal or international passport, standard set of corporate documents. For companies older than 6 months, a Certificate of Good Standing (not older than 3 months) is required. More documents can be requested by the bank. In the case of remote account opening, the following documents will be required: an apostilled power of attorney for an indefinite period; apostilled CGS + CINC; copies of beneficial owner’s passports certified at the Czech embassy; bank forms with all signatures certified at the Czech embassy
    Types of accounts Personal; Corporate; Current
    Opening procedure and Due Diligence It is possible to open an account without visiting the country where the bank is located
    Chances to open an account Predictable
    Business description Detailed business description: description of the business’ origins and current standing, source of funds, details of biography and contact information of the account’s beneficial owner
     
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