J&T Banka

CzechiaCzechia(AA-)

Deposit amount:Start saving from €10,000 up to €100,000

Deposit Guarantee protection: Up to €100,000.00 payout in CZK

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2.48% AER

Term:

1.5 Years

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2.40% AER

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1 Year

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EUR

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2.48% AER

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1.5 Years

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2.57% AER

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2 Years

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2.26% AER

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2.5 Years

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EUR

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1.96% AER

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3 Years

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1.94% AER

Duration

4 Years

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1.92% AER

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5 Years

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About the Bank

J&T Banka was established in Prague in 1998 and is one of the largest private banks on the Czech market. The bank is a reliable partner especially for customers with high demands on service and product quality. In addition to complex private banking services, J&T Banka offers special financing for real estate and corporate acquisitions as well as securities transactions for private investors.

Deposit Guarantee Scheme

Deposits - including accumulated interest - are guaranteed up to an amount of EUR 100,000 per customer and bank by the Czech deposit guarantee fund. In the case of a payout by the deposit guarantee fund the payout will take place in Czech Koruna (CZN). You can find additional information on the deposit guarantee fund here: https://www.garancnisystem.cz/de. Within the European Union, the minimum requirements for the Deposit Guarantee Scheme of each member state have been harmonized by EU directives 1994/19/EC, 2009/14/EC and 2014/49/EU. Please note that the deposit coverage refers to the entirety of deposits a customer has with a bank. This is relevant if a customer has not just deposited money with a bank via Raisin but also holds additional deposits with the bank.

Tax process and documentation

The standard withholding tax rate on interest in the Czech Republic is 15%, but this can be reduced to 0% by providing the bank with a certificate of tax residence. As the J&T Banka has informed us, the taxation process in the Czech Republic has changed. The Czech tax authorities now only accept tax documents issued or signed not older than 90 days before the interest payment date.

Raisin Bank's role

With Raisin Bank, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin Bank is online and hassle-free.

Top offer

2.48% AER

Term:

1.5 Years