{"id":337,"date":"2016-06-19T16:52:07","date_gmt":"2016-06-19T14:52:07","guid":{"rendered":"https:\/\/financer.com\/cz\/?post_type=company_single&#038;p=337"},"modified":"2024-03-31T18:30:17","modified_gmt":"2024-03-31T16:30:17","slug":"ceska-sporitelna","status":"publish","type":"company_single","link":"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/","title":{"rendered":"\u010cesk\u00e1 spo\u0159itelna"},"content":{"rendered":"\n<p>Se sv\u00fdmi t\u00e9m\u011b\u0159 5 miliony klienty <strong>je \u010cesk\u00e1 spo\u0159itelna nejv\u011bt\u0161\u00ed bankou v \u010cesk\u00e9 republice. <\/strong>Je to modern\u00ed banka orientovan\u00e1 na drobn\u00e9 klienty, mal\u00e9 a st\u0159edn\u00ed firmy, m\u011bsta a obce. Z\u00e1rove\u0148 m\u00e1 tak\u00e9 nezastupitelnou roli ve financov\u00e1n\u00ed velk\u00fdch korporac\u00ed a poskytov\u00e1n\u00ed slu\u017eeb v oblasti finan\u010dn\u00edch trh\u016f.<\/p>\n\n\n\n<p>Jako klient m\u00e1te dispozici <strong>nej\u0161ir\u0161\u00ed rozsah bankovn\u00edch slu\u017eeb v \u010cR<\/strong> poskytovan\u00fdch pomoc\u00ed pobo\u010dek, bankomat\u016f a platbomat\u016f. <\/p>\n\n\n\n<p>Mezi nab\u00edzen\u00fdmi produkty naleznete: b\u011b\u017en\u00fd \u00fa\u010det, spo\u0159\u00edc\u00ed \u00fa\u010dty, term\u00ednovan\u00fd vklad, stavebn\u00ed spo\u0159en\u00ed, ale tak\u00e9 investice. Nechyb\u00ed ani \u00fav\u011brov\u00e9 produkty jako hypot\u00e9ky, p\u016fj\u010dky a kreditn\u00ed karty.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah recenze\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"O_spolenosti\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#O_spolenosti\">\n\t\t\t\t\t\t\t\tO spole\u010dnosti\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_finann_produkty\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_finann_produkty\">\n\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna finan\u010dn\u00ed produkty\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"block-fn-toc__list-sub\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Bn_et_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.1.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#Bn_et_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t\tB\u011b\u017en\u00fd \u00fa\u010det \u010cesk\u00e9 spo\u0159itelny\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Spoc_et_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.2.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#Spoc_et_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t\tSpo\u0159\u00edc\u00ed \u00fa\u010det \u010cesk\u00e9 spo\u0159itelny\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Termnovan_vklad_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.3.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#Termnovan_vklad_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t\tTerm\u00ednovan\u00fd vklad \u010cesk\u00e9 spo\u0159itelny\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Stavebn_spoen_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.4.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#Stavebn_spoen_esk_spoitelny\">\n\t\t\t\t\t\t\t\t\t\t\tStavebn\u00ed spo\u0159en\u00ed \u010cesk\u00e9 spo\u0159itelny\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_penzijn_spoen\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.5.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_penzijn_spoen\">\n\t\t\t\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna penzijn\u00ed spo\u0159en\u00ed\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_investice\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.6.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_investice\">\n\t\t\t\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna investice\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_hypotka\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.7.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_hypotka\">\n\t\t\t\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna hypot\u00e9ka\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_pjka\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.8.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_pjka\">\n\t\t\t\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna p\u016fj\u010dka\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_kreditn_karta\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t2.9.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_kreditn_karta\">\n\t\t\t\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna kreditn\u00ed karta\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"George_esk_spoitelna\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#George_esk_spoitelna\">\n\t\t\t\t\t\t\t\tGeorge \u010cesk\u00e1 spo\u0159itelna\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"esk_spoitelna_poboky_a_bankomaty\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#esk_spoitelna_poboky_a_bankomaty\">\n\t\t\t\t\t\t\t\t\u010cesk\u00e1 spo\u0159itelna pobo\u010dky a bankomaty\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Vhody_a_nevhody\">\n\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#Vhody_a_nevhody\">\n\t\t\t\t\t\t\t\tV\u00fdhody a nev\u00fdhody\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"block-fn-toc__list-sub\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"asto_kladen_dotazy\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">\n\t\t\t\t\t\t\t\t\t\t\t\t5.1.<\/span>\t\t\t\t\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\"\n\t\t\t\t\t\t\t\t\t\t href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/#asto_kladen_dotazy\">\n\t\t\t\t\t\t\t\t\t\t\t\u010casto kladen\u00e9 dotazy\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>\u010cesk\u00e1 spo\u0159itelna se z\u00e1rove\u0148 neboj\u00ed ani inovac\u00ed. V roce 2018 zavedla nov\u00e9 <strong>internetov\u00e9 bankovnictv\u00ed pod n\u00e1zvem George. <\/strong>O rok pozd\u011bji banka spustila bezkontaktn\u00ed platby prost\u0159ednictv\u00edm Google Pay, Apple Pay, Garmin Pay a FitBit Pay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"O_spolenosti\">O spole\u010dnosti<\/h2>\n\n\n\n<p>Tato banka <strong>je jedn\u00edm z pil\u00ed\u0159\u016f \u010desk\u00e9ho bankovn\u00edho syst\u00e9mu, <\/strong>a od roku 2000 se m\u016f\u017ee op\u0159\u00edt o siln\u00e9 z\u00e1zem\u00ed st\u0159edoevropsk\u00e9 finan\u010dn\u00ed skupiny Erste Bank. Vznikla u\u017e v roku 1825, aby pom\u00e1hala st\u00e1t lidem na vlastn\u00edch nohou \u2013 k tomuto c\u00edli se hl\u00e1s\u00ed i dnes. <\/p>\n\n\n\n<p><strong>Ka\u017ed\u00fd rok se zapojuje do mnoha charitativn\u00edch projekt\u016f.<\/strong> Nap\u0159\u00edklad p\u0159isp\u00edv\u00e1 p\u0159ibli\u017en\u011b 10 miliony ro\u010dn\u011b na vzd\u011bl\u00e1v\u00e1n\u00ed a od roku 2012 ve spolupr\u00e1ci s Nadac\u00ed Depositum Bonum usiluje o zkvalitn\u011bn\u00ed v\u00fduky p\u0159\u00edrodov\u011bdn\u00fdch a technick\u00fdch obor\u016f. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div>B\u00fdt nejv\u011bt\u0161\u00ed na trhu je velk\u00fd z\u00e1vazek a\u00a0\u010cesk\u00e1 spo\u0159itelna se k t\u00e9to situaci stav\u00ed \u010delem. Mno\u017estv\u00ed jejich klient\u016f jim d\u00e1v\u00e1<strong> prostor pro zav\u00e1d\u011bn\u00ed nov\u00fdch p\u0159\u00edstup\u016f a technologi\u00ed.<\/strong> To je prosp\u011b\u0161n\u00e9 pro koncov\u00e9 u\u017eivatele, kte\u0159\u00ed t\u011b\u017e\u00ed z tohoto v\u00fdvoje.<\/div>\n\n\n<p>Velikost banky s sebou tak\u00e9 nese <strong>striktn\u00ed dodr\u017eovan\u00ed nastaven\u00fdch pravidel a vnit\u0159n\u00edch sm\u011brnic.<\/strong> Bez toho by se tento kolos rozpadnul. Pro klienta to znamen\u00e1, \u017ee nem\u016f\u017ee o\u010dek\u00e1vat jak\u00e9koli odch\u00fdlen\u00ed od standard\u016f bank.<\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/www.pujcky.cz\/ceska-sporitelna-pujcka?a_aid=17207&#038;t_id=102012647bd2f6d8216bfe939cfc57&#038;utm_term=0&#038;ho_source=&#038;ho_aff_sub=wct2402131403030is7u&#038;ho_aff_sub2=&#038;ho_aff_sub3=&#038;ho_aff_sub5=&#038;ho_aff_click_id=\" class=\"button is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\" >Chci si p\u016fj\u010dit<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"esk_spoitelna_finann_produkty\">\u010cesk\u00e1 spo\u0159itelna finan\u010dn\u00ed produkty<\/h2>\n\n\n\n<p>Jako nejstar\u0161\u00ed a nejv\u011bt\u0161\u00ed banka na \u010desk\u00e9m trhu nab\u00edz\u00ed <strong>\u010cesk\u00e1 spo\u0159itelna \u0161irokou nab\u00eddku finan\u010dn\u00edch produkt\u016f.<\/strong> V jej\u00ed nab\u00eddce najdeme produkty jako: b\u011b\u017en\u00fd \u00fa\u010det, <a href=\"https:\/\/financer.com\/cz\/uspory\/sporici-ucty\/\">spo\u0159\u00edc\u00ed \u00fa\u010det<\/a>, <a href=\"https:\/\/financer.com\/cz\/uspory\/terminovany-ucet\/\">term\u00ednovan\u00fd vklad<\/a>, <a href=\"https:\/\/financer.com\/cz\/uspory\/stavebni-sporeni\/\">stavebn\u00ed spo\u0159en\u00ed<\/a>, <a href=\"https:\/\/financer.com\/cz\/uspory\/penzijni-pripojisteni\/\">dopl\u0148kov\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/a>, investice, <a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">hypot\u00e9ku<\/a>, <a href=\"https:\/\/financer.com\/cz\/pujcky\/spotrebitelsky-uver\/\">p\u016fj\u010dku<\/a> nebo <a href=\"https:\/\/financer.com\/cz\/kreditni-karty\/\">kreditn\u00ed kartu<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Bn_et_esk_spoitelny\">B\u011b\u017en\u00fd \u00fa\u010det \u010cesk\u00e9 spo\u0159itelny<\/h3>\n\n\n\n<p>V r\u00e1mci nab\u00eddky \u010cesk\u00e9 spo\u0159itelny naleznete dva typy b\u011b\u017en\u00fdch \u00fa\u010dt\u016f. Jedn\u00e1 se o Standard \u00fa\u010det a Plus \u00fa\u010det. <strong>Standard \u00fa\u010det od \u010cesk\u00e9 spo\u0159itelny<\/strong> je bez jak\u00fdchkoli poplatk\u016f. Z\u00e1rove\u0148 m\u00e1te k \u00fa\u010dtu kontokorent a okam\u017eit\u00e9 platby zcela zdarma. Sjednat si jej m\u016f\u017eete v\u00fdhradn\u011b online.<\/p>\n\n\n\n<p>S \u00fa\u010dtem Standard m\u016f\u017eete <strong>vyu\u017e\u00edvat internetov\u00e9 bankovnictv\u00ed a mobiln\u00ed aplikaci George, <\/strong>k dispozici v\u00e1m je tak\u00e9 \u0161irok\u00e1 s\u00ed\u0165 bankomat\u016f \u010cesk\u00e9 spo\u0159itelny. S t\u00edmto \u00fa\u010dtem m\u016f\u017eete z\u00edskat i sazbu na spo\u0159ic\u00edm \u00fa\u010dtu ve v\u00fd\u0161i 0,2% do limitu 200 000 K\u010d. Samoz\u0159ejmost\u00ed je bezplatn\u00e1 asistence 24\/7. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Chcete-li n\u011bco v\u00edc <strong>m\u016f\u017eete zvolit nadstandardn\u00ed \u00fa\u010det Plus,<\/strong> kter\u00fd obdr\u017e\u00edte za m\u011bs\u00ed\u010dn\u00ed poplatek 100 K\u010d. V p\u0159\u00edpad\u011b, \u017ee m\u011bs\u00ed\u010dn\u011b ud\u011bl\u00e1te 4 platby kartou, a\u0165 u\u017e v kamenn\u00e9 prodejn\u011b nebo na internetu, m\u016f\u017eete m\u00edt Plus \u00fa\u010det zcela zdarma.\nDo takov\u00fdch plateb se po\u010d\u00edtaj\u00ed i platby za streamovac\u00ed slu\u017eby jako je Netflix, HBO nebo Voyo.<\/div>\n\n\n<p>S \u00fa\u010dtem Plus od \u010cesk\u00e9 spo\u0159itelny nav\u00edc z\u00edsk\u00e1te <strong>dv\u011b platebn\u00ed karty VISA a jeden \u00fa\u010det v ciz\u00ed m\u011bn\u011b. <\/strong>I tento \u00fa\u010det m\u016f\u017eete pr\u016fb\u011b\u017en\u011b kontrolovat prost\u0159ednictv\u00edm internetov\u00e9ho bankovnictv\u00ed George. <\/p>\n\n\n\n<p>Nav\u00edc taky <strong>z\u00edsk\u00e1te bankovn\u00ed IDenditu, <\/strong>kterou m\u016f\u017eete vyu\u017e\u00edt pro p\u0159ihla\u0161ov\u00e1n\u00ed a ov\u011b\u0159ov\u00e1n\u00ed toto\u017enosti na internetu. Z\u00e1rove\u0148 s \u00fa\u010dtem Plus z\u00edsk\u00e1te sazbu 4% na spo\u0159ic\u00edm \u00fa\u010dtu do limitu 200 000 K\u010d.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th><\/th><th><strong>Standard \u00fa\u010det<\/strong><\/th><th><strong>Plus \u00fa\u010det<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Debetn\u00ed karta<\/strong><\/td><td>Ano<\/td><td>Ano<\/td><\/tr><tr><td><strong>Virtu\u00e1ln\u00ed karta George<\/strong><\/td><td>Ano<\/td><td>Ano<\/td><\/tr><tr><td><strong>Internetov\u00e9 bankovnictv\u00ed a bankovn\u00ed IDentita<\/strong><\/td><td>Ano<\/td><td>Ano<\/td><\/tr><tr><td><strong>Druh\u00e1 debetn\u00ed karta<\/strong><\/td><td>Ne<\/td><td>Ano<\/td><\/tr><tr><td><strong>Druh\u00e1 virtu\u00e1ln\u00ed karta George<\/strong><\/td><td>Ne<\/td><td>Ano<\/td><\/tr><tr><td><strong>Jeden cizom\u011bnov\u00fd \u00fa\u010det<\/strong><\/td><td>Ne<\/td><td>Ano<\/td><\/tr><tr><td><strong>Sazba na spo\u0159ic\u00edm \u00fa\u010dtu<\/strong><\/td><td>0,2% (do limitu 200 000 K\u010d)<\/td><td>4% (do limitu 200 000 K\u010d)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Srovn\u00e1n\u00ed b\u011b\u017en\u00fdch \u00fa\u010dt\u016f \u010cesk\u00e9 spo\u0159itelny<\/figcaption><\/figure>\n\n\n\n<p>Krom\u011b t\u011bchto zm\u00edn\u011bn\u00fdch \u00fa\u010dt\u016f nab\u00edz\u00ed \u010cesk\u00e1 spo\u0159itelna i<strong> speci\u00e1ln\u00ed \u00fa\u010dty,<\/strong> nap\u0159\u00edklad pro studenty od 18 let, d\u011btsk\u00e9 \u00fa\u010dty do 17 let, \u00fa\u010dty pro seniory, jako\u017e i \u00fa\u010dty v ciz\u00ed m\u011bn\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Spoc_et_esk_spoitelny\">Spo\u0159\u00edc\u00ed \u00fa\u010det \u010cesk\u00e9 spo\u0159itelny<\/h3>\n\n\n\n<p>Spo\u0159\u00edc\u00ed \u00fa\u010det \u010cesk\u00e9 spo\u0159itelny m\u00e1 n\u00e1zev <strong>Spo\u0159en\u00ed \u010cS<\/strong>. Za z\u0159\u00edzen\u00ed a veden\u00ed \u00fa\u010dtu nic neplat\u00edte. Stejn\u011b zdarma m\u00e1te v\u0161echny tuzemsk\u00e9 p\u0159\u00edchoz\u00ed \u00fahrady. V\u00fdhodou je, \u017ee v p\u0159\u00edpad\u011b pot\u0159eby m\u00e1te pen\u00edze na spo\u0159ic\u00edm \u00fa\u010dtu kdykoli k dispozici.<\/p>\n\n\n\n<p><strong>Pen\u00edze na spo\u0159ic\u00edm \u00fa\u010dtu se \u00faro\u010d\u00ed a\u017e do v\u00fd\u0161e 200 000 K\u010d. <\/strong>\u00darok za\u010d\u00edn\u00e1 na 0,2%. V p\u0159\u00edpad\u011b, \u017ee m\u00e1te Plus \u00fa\u010det, automaticky z\u00edsk\u00e1v\u00e1te \u00farok 4%. Pokud v \u010cesk\u00e9 spo\u0159iteln\u011b z\u00e1rove\u0148 investujete pravideln\u00fdm pokynem, m\u016f\u017eete z\u00edskat \u00farok a\u017e 5%.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>V\u00fd\u0161i vkladu si ur\u010dujete vy sami, to znamen\u00e1, \u017ee m\u016f\u017eete bu\u010f spo\u0159it pravideln\u011b libovolnou \u010d\u00e1stku, p\u0159\u00edpadn\u011b n\u00e1razov\u011b vlo\u017eit, kolik chcete. Rovn\u011b\u017e neexistuje \u017e\u00e1dn\u00fd limit na minim\u00e1ln\u00ed vklad nebo z\u016fstatek. <strong>Ze z\u00e1kona jsou nav\u00edc v\u0161echny vklady poji\u0161t\u011bny.<\/strong><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Termnovan_vklad_esk_spoitelny\">Term\u00ednovan\u00fd vklad \u010cesk\u00e9 spo\u0159itelny<\/h3>\n\n\n\n<p>V nab\u00eddce \u010cesk\u00e9 spo\u0159itelny naleznete tak\u00e9 term\u00ednovan\u00e9 vklady, a to <strong>pod n\u00e1zvem Vkladov\u00fd \u00fa\u010det. <\/strong>Na term\u00ednovan\u00e9m \u00fa\u010dtu si pen\u00edze ulo\u017e\u00edte na p\u0159edem stanovenou dobu, p\u0159i\u010dem\u017e z\u00e1rove\u0148 z\u00edsk\u00e1te pevnou a v\u00fdhodnou \u00farokovou sazbu. Stejn\u011b jako u spo\u0159\u00edc\u00edho \u00fa\u010dtu, i p\u0159i term\u00ednovan\u00e9m vkladu jsou pen\u00edze ze z\u00e1kona poji\u0161t\u011bny.<\/p>\n\n\n\n<p>Pen\u00edze m\u016f\u017eete vyb\u00edrat pouze v den splatnosti, mimo tento den m\u016f\u017eete vybrat maxim\u00e1ln\u011b jednou a\u017e 25% jistiny, tak aby to nem\u011blo dopad na \u00faro\u010den\u00ed va\u0161eho vkladu. <strong>Za veden\u00ed term\u00ednovan\u00e9ho vkladu od \u010cesk\u00e9 spo\u0159itelny nic neplat\u00edte, <\/strong>zdarma m\u00e1te tak\u00e9 v\u00fdpisy z \u00fa\u010dtu.<\/p>\n\n\n\n<p>V\u00fd\u0161e \u00faroku na term\u00ednovan\u00e9m vkladu se odv\u00edj\u00ed p\u0159edev\u0161\u00edm od doby, na kterou jste ochotni va\u0161e pen\u00edze ulo\u017eit.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Doba ulo\u017een\u00ed vkladu<\/th><th>\u00darokov\u00e1 sazba<\/th><\/tr><\/thead><tbody><tr><td>1 m\u011bs\u00edc<\/td><td>5,10 %<\/td><\/tr><tr><td>3 m\u011bs\u00edce<\/td><td>3,7 %<\/td><\/tr><tr><td>6 m\u011bs\u00edc\u016f<\/td><td>4,5 %<\/td><\/tr><tr><td>12 m\u011bs\u00edc\u016f<\/td><td>4,5 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Term\u00ednovan\u00fd vklad \u010cesk\u00e9 spo\u0159itelny &#8211; V\u00fd\u0161e \u00farokov\u00e9 sazby<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Stavebn_spoen_esk_spoitelny\">Stavebn\u00ed spo\u0159en\u00ed \u010cesk\u00e9 spo\u0159itelny<\/h3>\n\n\n\n<p>\u010cesk\u00e1 spo\u0159itelna poskytuje tak\u00e9 produkt <strong>stavebn\u00ed spo\u0159en\u00ed (Bu\u0159inka).<\/strong> Sjednat si jej m\u016f\u017eete jednodu\u0161e online. Garantovan\u00fd \u00farok na stavebn\u00edm spo\u0159en\u00ed je<strong> 2,5% ro\u010dn\u011b<\/strong>. Tato \u00farokov\u00e1 sazba je garantov\u00e1na minim\u00e1ln\u011b po dobu 6 let.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>P\u0159i stavebn\u00edm spo\u0159en\u00ed od \u010cesk\u00e9 spo\u0159itelny <strong>m\u016f\u017eete vyu\u017e\u00edt i st\u00e1tn\u00ed podpory 10% ro\u010dn\u011b. <\/strong>V p\u0159\u00edpad\u011b, \u017ee za rok na\u0161et\u0159\u00edte 20 000 K\u010d, z\u00edsk\u00e1te st\u00e1tn\u00ed podporu 2 000 K\u010d. Aktu\u00e1ln\u011b obdr\u017e\u00edte p\u0159i sjedn\u00e1n\u00ed bonus i od \u010cesk\u00e9 spo\u0159itelny, a to ve v\u00fd\u0161i 2 500 K\u010d.<\/div>\n\n\n<p>Krom\u011b pravideln\u00e9ho spo\u0159en\u00ed m\u00e1te mo\u017enost vyu\u017e\u00edt i mimo\u0159\u00e1dn\u00fdch vklad\u016f. Naspo\u0159en\u00e9 pen\u00edze v\u010detn\u011b st\u00e1tn\u00ed podpory <strong>m\u016f\u017eete n\u00e1sledn\u011b pou\u017e\u00edt na cokoli, a to nejen na bydlen\u00ed.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"esk_spoitelna_penzijn_spoen\">\u010cesk\u00e1 spo\u0159itelna penzijn\u00ed spo\u0159en\u00ed<\/h3>\n\n\n\n<p>V \u0161irok\u00e9 nab\u00eddce produkt\u016f nechyb\u00ed ani dopl\u0148kov\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Jeho v\u00fdhodou je, \u017ee si <strong>svoji strategii spo\u0159en\u00ed m\u016f\u017eete libovoln\u011b m\u011bnit. <\/strong>Na z\u00e1klad\u011b va\u0161eho uv\u00e1\u017een\u00ed si sami m\u011bn\u00edte pom\u011br mezi v\u00fdnosem a jeho stabilitou.<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 m\u00e1te p\u0159i penzijn\u00edm spo\u0159en\u00ed od \u010cesk\u00e9 spo\u0159itelny i <strong>n\u00e1rok na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, <\/strong>kter\u00fd se m\u016f\u017ee vy\u0161plhat a\u017e do v\u00fd\u0161e 2 760 K\u010d ro\u010dn\u011b. V r\u00e1mci penzijn\u00edho spo\u0159en\u00ed m\u016f\u017eete vyu\u017e\u00edt i da\u0148ov\u00e9 \u00falevy a sn\u00ed\u017eit si tak z\u00e1klad dan\u011b a\u017e o 24 000 K\u010d.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Na konci si <strong>m\u016f\u017eete celou \u010d\u00e1stku vybrat najednou, <\/strong>p\u0159\u00edpadn\u011b si ur\u010dit pravidelnou penzi nebo zkombinovat ob\u011b zm\u00edn\u011bn\u00e9 mo\u017enosti. Tak\u00e9 si m\u016f\u017eete ur\u010dit, kdo, v p\u0159\u00edpad\u011b va\u0161eho \u00famrt\u00ed, z\u00edsk\u00e1 va\u0161e pen\u00edze. V p\u0159\u00edpad\u011b, \u017ee neur\u010d\u00edte nikoho, bude spo\u0159en\u00ed sou\u010d\u00e1st\u00ed d\u011bdick\u00e9ho \u0159\u00edzen\u00ed.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"esk_spoitelna_investice\">\u010cesk\u00e1 spo\u0159itelna investice<\/h3>\n\n\n\n<p>Krom\u011b klasick\u00fdch spo\u0159\u00edc\u00edch produkt\u016f naleznete v nab\u00eddce \u010cesk\u00e9 spo\u0159itelny tak\u00e9 <strong>portfolio investi\u010dn\u00edch produkt\u016f a slu\u017eeb.<\/strong> Na \u00favod v\u00e1m porad\u00ed naj\u00edt \u0159e\u0161en\u00ed pro v\u00e1s na m\u00edru. Z\u00e1rove\u0148 v\u00e1s nau\u010d\u00ed, jak ochr\u00e1nit va\u0161e pen\u00edze p\u0159ed <a href=\"https:\/\/financer.com\/cz\/wiki\/co-je-inflace\/\">inflac\u00ed<\/a> pravideln\u00fdm investov\u00e1n\u00edm.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>V\u00fdhodou je, \u017ee<strong> sv\u00e9 investice m\u016f\u017eete sledovat online ve va\u0161em internetov\u00e9m bankovnictv\u00ed.<\/strong> P\u0159i\u010dem\u017e s pod\u00edlov\u00fdmi fondy m\u016f\u017eete i sami obchodovat.\nV p\u0159\u00edpad\u011b, \u017ee budete va\u0161e pen\u00edze pot\u0159ebovat d\u0159\u00edve, ne\u017e jste si mysleli, m\u016f\u017eete je bez jak\u00fdchkoli dodate\u010dn\u00fdch poplatk\u016f odprodat a pen\u00edze budete m\u00edt do t\u00fddne k dispozici.<\/div>\n\n\n<p>V \u010cesk\u00e9 spo\u0159iteln\u011b m\u016f\u017eete investovat do:<\/p>\n\n\n\n<ul>\n<li>Otev\u0159en\u00fdch <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-fondu\/\">pod\u00edlov\u00fdch fond\u016f<\/a><\/li>\n\n\n\n<li>Certifik\u00e1t\u016f<\/li>\n\n\n\n<li>Pr\u00e9miov\u00fdch vklad\u016f<\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/cz\/jak-na-to\/dluhopisy\/\">Dluhopis\u016f<\/a><\/li>\n\n\n\n<li>Dluhopisov\u00fdch cenn\u00fdch pap\u00edr\u016f<\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-zlata\/\">Investi\u010dn\u00edho zlata<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"esk_spoitelna_hypotka\">\u010cesk\u00e1 spo\u0159itelna hypot\u00e9ka<\/h3>\n\n\n\n<p>Pravd\u011bpodobn\u011b nejobl\u00edben\u011bj\u0161\u00edm produktem od \u010cesk\u00e9 spo\u0159itelny je jej\u00ed hypot\u00e9ka. <strong>Pat\u0159\u00ed z\u00e1rove\u0148 mezi jej\u00ed nejoce\u0148ovan\u011bj\u0161\u00ed produkty.<\/strong> S hypot\u00e9kou od \u010cesk\u00e9 spo\u0159itelny m\u016f\u017eete z\u00edskat a\u017e 90% ceny nemovitosti. <\/p>\n\n\n\n<p>P\u016fj\u010dit si tak m\u016f\u017eete <strong>od 300 000 do 25 000 000 K\u010d<\/strong>, s dobou splatnosti od<strong> 5 do 30 let.<\/strong> \u00darokov\u00e1 sazba hypot\u00e9ky \u010cesk\u00e9 spo\u0159itelny za\u010d\u00edn\u00e1 na <strong>5,94 %.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>Produkt<\/strong><\/td><td>Hypot\u00e9ka<\/td><\/tr><tr><td><strong>\u00dav\u011brov\u00fd r\u00e1mec<\/strong><\/td><td>300 000 &#8211; 25 000 000 K\u010d<\/td><\/tr><tr><td><strong>Splatnost<\/strong><\/td><td>5 &#8211; 30 let<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>5,94 %<\/td><\/tr><tr><td><strong>Fixace<\/strong><\/td><td>1, 2, 3, 4, 5, 8 nebo 10 let<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u010cesk\u00e1 spo\u0159itelna hypot\u00e9ka<\/figcaption><\/figure>\n\n\n\n<p>Chcete-li se o hypot\u00e9ce od \u010cesk\u00e9 spo\u0159itelny dozv\u011bd\u011bt v\u00edce, p\u0159e\u010dt\u011bte si <a href=\"https:\/\/financer.com\/cz\/spolecnost\/ceska-sporitelna\/produkt-hypoteky\/\">na\u0161i podrobnou recenzi.<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/espolupracecz.go2cloud.org\/aff_c?offer_id=849&#038;aff_id=17207\" class=\"button is-rounded is-primary is-normal is-fullwidth\" target=\"_blank\" >Chci hypo od \u010cesk\u00e9 spo\u0159itelny<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"esk_spoitelna_pjka\">\u010cesk\u00e1 spo\u0159itelna p\u016fj\u010dka<\/h3>\n\n\n\n<p>P\u016fj\u010dku od \u010cesk\u00e9 spo\u0159itelny <strong>si sjedn\u00e1te jednodu\u0161e online z pohodl\u00ed va\u0161eho domova. <\/strong>P\u016fj\u010dit si m\u016f\u017eete od 2 000 do 1 000 000 K\u010d s dobou splatnosti od 12 do 120 m\u011bs\u00edc\u016f. \u00darokov\u00e1 sazba za\u010d\u00edn\u00e1 na 6,99 % ro\u010dn\u011b.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>Produkt<\/strong><\/td><td>Spot\u0159ebitelsk\u00fd \u00fav\u011br<\/td><\/tr><tr><td><strong>\u00dav\u011brov\u00fd r\u00e1mec<\/strong><\/td><td>2 000 &#8211; 1 000 000 K\u010d<\/td><\/tr><tr><td><strong>Splatnost<\/strong><\/td><td>12 &#8211; 120 m\u011bs\u00edc\u016f<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>od 6,99 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u010cesk\u00e1 spo\u0159itelna p\u016fj\u010dka<\/figcaption><\/figure>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee o ni po\u017e\u00e1d\u00e1te online <strong>neplat\u00edte \u017e\u00e1dn\u00e9 poplatky za jej\u00ed poskytnut\u00ed a veden\u00ed. <\/strong>Va\u0161e \u017e\u00e1dost bude posouzena t\u00e9m\u011b\u0159 okam\u017eit\u011b a po jej\u00edm schv\u00e1len\u00ed obdr\u017e\u00edte pen\u00edze na \u00fa\u010det do 15 minut.<\/p>\n\n\n\n<p><strong>P\u016fj\u010dku si nav\u00edc m\u016f\u017eete tak\u00e9 pojistit.<\/strong> Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet v\u00e1s ochr\u00e1n\u00ed v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch \u017eivotn\u00edch ud\u00e1lost\u00ed, jako je nap\u0159\u00edklad ztr\u00e1ta pr\u00e1ce. Va\u0161e <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/osobni-finance\/\">osobn\u00ed finance<\/a> a <a href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/\">rodinn\u00fd rozpo\u010det<\/a>, tak nebude v ohro\u017een\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>\u010cesk\u00e1 spo\u0159itelna nab\u00edz\u00ed tak\u00e9 <strong>mo\u017enost spojen\u00ed v\u00edce p\u016fj\u010dek <\/strong>(kreditn\u00edch karet, kontokorent\u016f) do jedn\u00e9 prost\u0159ednictv\u00edm konsolidace. D\u00edky \u010demu\u017e z\u00edsk\u00e1te ni\u017e\u0161\u00ed spl\u00e1tky. Se v\u0161\u00ed byrokraci\u00ed v\u00e1m pomohou odborn\u00edci \u010cesk\u00e9 spo\u0159itelny. N\u00e1sledn\u011b spl\u00e1c\u00edte u\u017e jen jednu p\u016fj\u010dku, kterou si tak\u00e9 m\u016f\u017eete pojistit.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"esk_spoitelna_kreditn_karta\">\u010cesk\u00e1 spo\u0159itelna kreditn\u00ed karta<\/h3>\n\n\n\n<p>Nab\u00eddku produkt\u016f \u010cesk\u00e9 spo\u0159itelny zav\u00edr\u00e1 jej\u00ed kreditn\u00ed karta. Tu dostanete s <strong>\u00fav\u011brov\u00fdm r\u00e1mcem a\u017e do v\u00fd\u0161e 200 000 K\u010d. <\/strong>Bez\u00faro\u010dn\u00e9 obdob\u00ed je 55 dn\u00ed, po uplynut\u00ed t\u00e9to doby plat\u00edte \u00farok 12%.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><strong>Produkt<\/strong><\/td><td>Kreditn\u00ed karta<\/td><\/tr><tr><td><strong>\u00dav\u011brov\u00fd r\u00e1mec<\/strong><\/td><td>a\u017e 200 000 K\u010d<\/td><\/tr><tr><td><strong>Bez\u00faro\u010dn\u00e9 obdob\u00ed<\/strong><\/td><td>55 dn\u00ed<\/td><\/tr><tr><td><strong>\u00darok<\/strong><\/td><td>12 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u010cesk\u00e1 spo\u0159itelna kreditn\u00ed karta<\/figcaption><\/figure>\n\n\n\n<p>Za veden\u00ed karty plat\u00edte poplatek 50 K\u010d m\u011bs\u00ed\u010dn\u011b. V p\u0159\u00edpad\u011b, \u017ee ka\u017ed\u00fd m\u011bs\u00edc minete alespo\u0148 3 000 K\u010d, <strong>m\u00e1te veden\u00ed karty zdarma.<\/strong> K va\u0161\u00ed kreditn\u00ed kart\u011b m\u016f\u017eete z\u00edskat a\u017e 3 dal\u0161\u00ed kreditn\u00ed karty pro va\u0161e bl\u00edzk\u00e9, p\u0159i\u010dem\u017e jim m\u016f\u017eete nastavovat r\u016fzn\u00e9 limity.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>S kreditn\u00ed kartou \u010cesk\u00e9 spo\u0159itelny<strong> m\u00e1te mo\u017enost z\u00edskat v\u00edce odm\u011bn.<\/strong> Za platby kartou na internetu nebo v zahrani\u010d\u00ed m\u016f\u017eete z\u00edskat 1% z ka\u017ed\u00e9 platby, a to a\u017e 350 K\u010d m\u011bs\u00ed\u010dn\u011b. Dal\u0161\u00ed v\u00fdhody v\u00e1s \u010dekaj\u00ed po aktivov\u00e1n\u00ed Moneyback.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"George_esk_spoitelna\">George \u010cesk\u00e1 spo\u0159itelna<\/h2>\n\n\n\n<p><strong>Internetov\u00e9 bankovnictv\u00ed George od \u010cesk\u00e9 spo\u0159itelny bylo spu\u0161t\u011bno v roce 2018, <\/strong>p\u0159i\u010dem\u017e nejprve se nesetkalo s p\u0159\u00edli\u0161 pozitivn\u00edmi ohlasy. Nab\u00edz\u00ed p\u0159edev\u0161\u00edm tradi\u010dn\u00ed, ale tak\u00e9 p\u00e1r nov\u00fdch funkc\u00ed, p\u0159i\u010dem\u017e jeho c\u00edlem je usnadnit v\u00e1m spr\u00e1vu va\u0161ich financ\u00ed a m\u00edt neust\u00e1l\u00fd dohled nad nimi.<\/p>\n\n\n\n<p>George je neust\u00e1le<strong> inovov\u00e1n tak, aby co nejv\u00edce vyhovoval pot\u0159eb\u00e1m klient\u016f <\/strong>\u010cesk\u00e9 spo\u0159itelny. V\u0161echny hlavn\u00ed funkce tak najdete hned na hlavn\u00ed str\u00e1nce. Prost\u0159ednictv\u00edm p\u00e1r klik\u016f tak m\u016f\u017eete zad\u00e1vat platby, spo\u0159it nebo investovat.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>D\u00edky Georgovi od \u010cesk\u00e9 spo\u0159itelny <strong>m\u016f\u017eete nap\u0159\u00edklad vyb\u00edrat z bankomatu bez karty a bez PINu, <\/strong>jednodu\u0161e prost\u0159ednictv\u00edm QR k\u00f3du. Ov\u011b\u0159ovat svou toto\u017enost na \u00fa\u0159ad\u011b nebo ve firm\u00e1ch prost\u0159ednictv\u00edm bankovn\u00ed IDentity. P\u0159\u00edpadn\u011b sjednat online sch\u016fzku s bank\u00e9\u0159em.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"esk_spoitelna_poboky_a_bankomaty\">\u010cesk\u00e1 spo\u0159itelna pobo\u010dky a bankomaty<\/h2>\n\n\n\n<p>Jeliko\u017e se jedn\u00e1 o nejv\u011bt\u0161\u00ed banku v \u010cesk\u00e9 republice, samoz\u0159ejmost\u00ed je<strong> \u0161irok\u00e1 s\u00ed\u0165 pobo\u010dek a bankomat\u016f. <\/strong>Pobo\u010dky \u010cesk\u00e9 spo\u0159itelny naleznete ve v\u011bt\u0161\u00edch i men\u0161\u00edch m\u011bstech. Nejv\u00edce jich je samoz\u0159ejm\u011b v Praze. Celkem m\u00e1 moment\u00e1ln\u011b \u010cesk\u00e1 spo\u0159itelna v Praze skoro <strong>400 pobo\u010dek.<\/strong><\/p>\n\n\n\n<p>Je\u0161t\u011b hust\u0161\u00ed je jej\u00ed s\u00ed\u0165 bankomat\u016f, kter\u00e9 doslova naleznete po cel\u00e9 republice. Podle posledn\u00edch \u00fadaj\u016f m\u00e1 \u010cesk\u00e1 spo\u0159itelna v \u010cesku skoro <strong>1 800 bankomat\u016f, <\/strong>p\u0159i\u010dem\u017e jsou mezi nimi i nov\u00e9 bezkontaktn\u00ed bankomaty. Pokud se tedy rozhodnete pro \u010ceskou spo\u0159itelnu, jej\u00ed pobo\u010dky a bankomaty naleznete doslova na ka\u017ed\u00e9m kroku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h2>\n\n\n<h3><\/h3>\n<ul>\n<li>Nejv\u011bt\u0161\u00ed \u010desk\u00e1 banka<\/li>\n<li>\u0160irok\u00e9 portfolio produkt\u016f a slu\u017eeb<\/li>\n<li>Neust\u00e1le inovovan\u00e9 internetov\u00e9 bankovnictv\u00ed<\/li>\n<li>\u0160irok\u00e1 s\u00ed\u0165 bankomat\u016f a pobo\u010dek<\/li>\n<\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>U n\u011bkter\u00fdch slu\u017eeb nutnost nav\u0161t\u00edvit pobo\u010dku<\/p>\n<\/li><li>\n<p>Relativn\u011b vysok\u00e9 poplatky za b\u011b\u017en\u00e9 slu\u017eby<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_dotazy\">\u010casto kladen\u00e9 dotazy<\/h3><h4>Je \u010cesk\u00e1 spo\u0159itelna dobr\u00e1 banka?<\/h4><div class=\"faq_inner\">\u010cesk\u00e1 spo\u0159itelna je nejv\u011bt\u0161\u00ed a nejstar\u0161\u00ed banka na \u010desk\u00e9m trhu. Disponuje rozs\u00e1hlou s\u00edt\u00ed pobo\u010dek a bankomat\u016f a z\u00e1rove\u0148 nab\u00edz\u00ed \u0161irok\u00e9 spektrum \u00fav\u011brov\u00fdch produkt\u016f.\nMezi jej\u00ed nev\u00fdhody pat\u0159\u00ed p\u0159edev\u0161\u00edm relativn\u011b vysok\u00e9 poplatky za b\u011b\u017en\u00e9 slu\u017eby, jako\u017e i fakt, \u017ee kv\u016fli n\u011bkter\u00fdm \u00fakon\u016fm je t\u0159eba fyzicky nav\u0161t\u00edvit pobo\u010dku.\nJako ka\u017ed\u00e1 banka m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody, proto je na va\u0161em zv\u00e1\u017een\u00ed, jestli se pro tuto banku rozhodnete.<\/div><h4>Jak\u00e9 finan\u010dn\u00ed produkty \u010cesk\u00e1 spo\u0159itelna nab\u00edz\u00ed?<\/h4><div class=\"faq_inner\">V nab\u00eddce \u010cesk\u00e9 spo\u0159itelny naleznete b\u011b\u017en\u00fd \u00fa\u010dty, spo\u0159\u00edc\u00ed \u00fa\u010dty, term\u00ednovan\u00e9 vklady, stavebn\u00ed spo\u0159en\u00ed, investice, hypot\u00e9ky, p\u016fj\u010dky, ale tak\u00e9 kreditn\u00ed karty, \u010di kontokorent.<\/div><h4>Jak\u00fd \u00farok dostanu v \u010cesk\u00e9 spo\u0159iteln\u011b na spo\u0159ic\u00edm \u00fa\u010dtu?<\/h4><div class=\"faq_inner\">V\u00fd\u0161e \u00faroku z\u00e1vis\u00ed na tom, jak\u00fd typ b\u011b\u017en\u00e9ho \u00fa\u010dtu v \u010cesk\u00e9 spo\u0159iteln\u011b pou\u017e\u00edv\u00e1te. Pokud se jedn\u00e1 o \u00fa\u010det Standard je \u00farok 0,02 %, u \u00fa\u010dtu Plus je to a\u017e 4 %, p\u0159i\u010dem\u017e za ur\u010dit\u00fdch podm\u00ednek m\u016f\u017eete z\u00edskat a\u017e \u00farok 5 %. Pen\u00edze na spo\u0159ic\u00edm \u00fa\u010dtu se \u00faro\u010d\u00ed a\u017e do v\u00fd\u0161e 200 000 K<\/div><h4>Jak velkou hypot\u00e9ku m\u016f\u017eu v \u010cesk\u00e9 spo\u0159iteln\u011b dostat?<\/h4><div class=\"faq_inner\">V \u010cesk\u00e9 spo\u0159iteln\u011b m\u016f\u017eete obdr\u017eet a\u017e 90% ceny nemovitosti, p\u0159i\u010dem\u017e \u00fav\u011brov\u00fd r\u00e1mec se pohybuje od 300 000 do 25 000 000 K\u010d. Doba splatnosti je od 5 do 30 let. \u00darokov\u00e1 sazba za\u010d\u00edn\u00e1 na 5,94 %.<\/div><h4>Kolik si m\u016f\u017eu v \u010cesk\u00e9 spo\u0159iteln\u011b p\u016fj\u010dit?<\/h4><div class=\"faq_inner\">Se spot\u0159ebitelsk\u00fdm \u00fav\u011brem si m\u016f\u017eete v \u010cesk\u00e9 spo\u0159iteln\u011b p\u016fj\u010dit od 2 000 do 1 000 000 K\u010d s dobou splatnosti od 12 do 120 m\u011bs\u00edc\u016f. \u00darokov\u00e1 sazba za\u010d\u00edn\u00e1 na 6,99 %.<\/div><\/div>","protected":false},"author":16452,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","company_type":[28,27],"overall_rating":"3.25000000","_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/company_single\/337"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=337"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/company_single\/337\/revisions"}],"predecessor-version":[{"id":51966,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/company_single\/337\/revisions\/51966"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=337"}],"wp:term":[{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/company_type?post=337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}