Current Accounts Genius

  • Don’t Pay a Crown Extra!
BOOK A BRANCH VISIT

If you don’t want to needlessly pay for ATM withdrawals, every payment transaction, or for using direct banking and other services, open the Genius Free&Flexi or Genius Gold Account.

Rewards up to 30% for card payments made in bene+ partners network only in the Czech Republic.

 

Not a MONETA client? Bank with MONETA Money Bank and have your account and other services for free!

Bank with MONETA Money Bank have your current account and other services for free!

All you need to do is to meet monthly turnover condition of CZK 7 000 to have Genius Free & Flexi for free including all services stated below. In case of not meeting required condition, monthly maintenance fee is CZK 149.

For first two months your account maintenance is free even if the condition isn't met, so you have plenty of time to rearrange your salary to MONETA Money Bank account.

 

Advantages of Genius Free & Flexi

Transactions and services

  • All incoming payments within the Czech republic.
  • All outgoing transaction executed via electronic banking within Czech republic.
  • Setup, change and cancellation of standing order or direct debit including SIPO via electronic banking.
  • Monthly electronic statement.
  • Monthly 4 withdrawals from MONETA Money Bank ATM network in the Czech republic.
  • Administration of overdraft Flexikredit.

Payment Cards

  • Debit payment card (MasterCard Standard or Maestro).
  • Rewards up to 30% for card payments made in bene+ partners network only in the Czech Republic.
  • Contactless payments.
  • Contactless sticker.
  • NFC card in MobilE phone.

Immediate access and overview of your finance


How to?

  • Open the Genius Free & Flexi current account in the nearest branch, where our bankers will gladly help changing your bank.
  • All you need to do is meet the monthly turnover condition of at least 7 000 CZK so you can have monthly maintenance of Genius Free & Flexi for free with services stated above. In case of not meeting the required condition, your monthly maintenance fee will be 149 CZK. The maintenance and services stated above is for free for the first two months, even without meeting the turnover condition, so you have enough time to transfer your salary to MONETA Money Bank.

Documents Required to Open an Account

If you wish to request the opening of a Genius Free & Flexi, you must be more than 15 years old and more than 18 years old if you wish to request the opening of Genius Gold. You will be asked to present the following documents:

  • Valid personal identification card. For foreigners a valid passport. If you also want to apply for Flexikredit Overdraft (possibility to immediately have a debit in your account), you need to present documentation of your income – see Conditions for Obtaining Flexikredit.

Do you want to switch banks? We will help you!

Our personal bankers will do everything to ensure a smooth conversion of your present account into an account administrated by MONETA Money Bank.

  • We will prepare all necessary forms and send them into your current bank.
  • We will set up standing orders, direct debits, collections, a payment card, etc., including transferring your monthly salary to your new MONETA account.

All you need to do is to visit any of our branches once.

Advantages of Genius Gold Current Account

Open the Genius Gold current account, designed for more discerning clients, who will appreciate its advantages.

Administration fee may vary depending on conditions stated below:

  1. You get a free account administration with balance and/or investments of CZK 1,000,000 or more on all your deposit account on the 20th day of a month.
  2. Send at least CZK 40,000 (doesn´t include transactions among other MONETA Money Bank accounts), and pay only 169 CZK administration fee.
  3. Full price of administration fee, if conditions above are not met is 469 CZK.

In this monthly administration fee, you get:

Transactions and services

  • Gold Saving account with advantageous interest rate up to 1.1% p.a.
  • Maintenance of overdraft Flexikredit, with advantageous interest rate.
  • Opening and administration of unlimited number of foreign currency account in USD, EUR, CHF, GBP 3 withdrawals from other bank´s ATMs in the Czech republic.
  • Unlimited cash deposits and withdrawals on MONETA Money Bank branches and ATMs in the Czech republic.
  • Payment order via MONETA Money Bank ATMs in the Czech republic.
  • Monthly mortgage payment reduction by 0.7 % of the interest rate.

Payment cards

  • One Gold MasterCard debit payment card.
  • One MasterCard of Maestro debit payment card.
  • Rewards up to 30% for card payments made in bene+ and gold bene+ partners network only in the Czech Republic.
  • Contactless payments.
  • Contactless Sticker.
  • Safe internet payments via 3D Secure service.

With debit payment card MasterCard Gold you get following services free of charge:

  • Travel insurance Komfort,
  • Fraudulent debit card usage protection insurance,
  • Complete Comfort assistant services insurance,
  • Priority Pass program,
  • The MasterCard Global Service.

Immediate access and overview of finance

  • Direct banking services – Internet Bank, Mobil Bank, Telefon Bank.
  • You have constant knowledge of account movements with E-mail Servis and Info Servis
  • Monthly e-statement.

Documents Required to Open an Account

If you wish to request the opening of a Genius Free & Flexi or Genius Active, you must be more than 15 years old and more than 18 years old if you wish to request the opening of Genius Gold or Genius Silver. You will be asked to present the following documents:

  • Valid personal identification card. For foreigners a valid passport. If you also want to apply for Flexikredit Overdraft (possibility to immediately have a debit in your account), you need to present documentation of your income – see Conditions for Obtaining Flexikredit.

Do you want to switch banks? We will help you!

Our personal bankers will do everything to ensure a smooth conversion of your present account into an account administrated by MONETA Money Bank.

  • We will prepare all necessary forms and send them into your current bank.
  • We will set up standing orders, direct debits, collections, a payment card, etc., including transferring your monthly salary to your new MONETA account.

All you need to do is to visit any of our branches once.

Contact Us

  • Book a Branch Visit

    Book a visit at a nearest
    MONETA Money Bank branch.

    BOOK A VISIT

Debit Cards to the Accounts

Pay comfortably and safely for goods
and services. Now contactless.

More

Direct Banking

A perfect overview of your income
and expenditures anytime,
anywhere.

More

ATM Services

Bank machines for withdrawing cash
also offer many valuable services
that make your life easier.

More

Payment Services

Just put your worries behind you!
Choose form our extensive offering
of payment services.

More