1,49 % p.a. for 2 Years with J&T Banka
Country of origin:
Chequia
Enjoy the certainty of fixed, high rates up to 1,49%
No costs
Rate
Duration
Currency
Product Type
1 / 6
This number is indicative of the risk of the product, being 1 / 6 indicative of lower risk and 6 / 6 of higher risk.
J&T Banka está adherido al Fondo de Garantía de Depósitos de Chequia garantizando los depósitos con el límite de 100.000 EUR por depositante.
Early sale or cancellation is not possible or may involve significant losses.
Interest rate nominal
1,50% p.a.
Interest rate effective
1,49% p.a.
Compound interest
No
Term
2 Years
Availability
Available on maturity
Interest credit
No interest credited before maturity
Interest payment
At maturity
Interest rate changes
Interest rate is fixed on opening.
Representative example
Ejemplo para un depósito a plazo a 12 meses al 1,49 % TAE (1,50 % TIN) con abono de intereses al vencimiento.
Renewal
You can extend this deposit if you enable the option in your Online Banking.
This offer is provided in partnership with Weltsparen.de and requires registration on the platform for claiming it. No additional or hidden fees.
1
Join Our Platform
Choose the perfect offer for you and sign up.
2
Claim your order
Deposit your preferred investment amount and begin your journey to financial growth.
3
Verify your identity
Complete the verification process through Post- or VideoIdent.
Bank Details
J&T Banka a.s. (‘J&T Banka’) fue fundado en 1998 en Praga, Chequia. Este banco se considera un socio fiable para aquellos clientes que buscan los mejores productos y servicios. Conocido como uno de los bancos de la región que más rápido ha crecido en los últimos años, J&T Bank se esfuerza cada día para ayudar a aumentar el valor de las inversiones de sus clientes.
Security & Deposit Protection
La garantía de depósitos legal de la República Checa garantiza un importe máximo de garantía equivalente a 100.000 euros por banco y cliente. Los pagos del fondo de garantía de depósitos se realizan en coronas checas (CZK) al tipo de cambio vigente el día en que se establece el caso de garantía de depósitos. Por lo tanto, existe un riesgo de tipo de cambio. Encontrará más información sobre la garantía de depósitos en https://www.garancnisystem.cz/de. En la Unión Europea, los requisitos mínimos están armonizados en todos los Estados miembros por las Directivas 94/19/CE, 2009/14/CE y 2014/49/UE. Cabe señalar que esta garantía se aplica a todos los depósitos de un cliente en un banco. Esto es relevante cuando no solo los depósitos negociados a través de WeltSparen se han colocado en un banco concreto, sino que aún existen otros depósitos de ese cliente en el banco en cuestión.
Tax process and documentation
La retención estándar de los intereses generados por los depósitos en Chequia es 15%, pero debido a los acuerdos de doble imposición entre Chequia y España, existe la posibilidad de reducir esta retención hasta el 0% si los clientes presentan un Certificado de Residencia Fiscal con convenio para Chequia expedido por la Agencia Tributaria, entre 90 días y, como máximo, hasta 4 semanas antes de la fecha de vencimiento.
The role of Welstparen
With Raisin, 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.
Frequently asked questions
Is my money protected?
All deposits at Raisin Bank AG and our partner banks are guaranteed up to a maximum amount of €100,000 (or the equivalent amount in the respective national currency) per customer and per bank. Across Europe, national Deposit Guarantee Funds must meet the minimum requirements laid out (see Directives 94/19/EC, 2009/14/EC and 2014/49/EU). For more information on the harmonisation of the Deposit Guarantee Scheme (DGS) in the European Union, please visit our dedicated webpage.
How does the registration process work?
To become a Raisin Bank customer and order products through our platform you must first open your Raisin Account with Raisin Bank. The process is very simple and can be completed 100% online. You must first register online on your device (through our website or via our app) and then access your Raisin Account to verify your identity through a short video call* and upload a proof of address. Click here for a step-by-step guide on the registration process. *Video identification is done through our provider ID now.
What is the role of Raisin?
Raisin gives you access to deposit and savings accounts from banks across Europe - through one platform and completely online. Raisin`s services are free for you: Raisin receives a commission on brokered savings from its partner banks. Over 1 million European customers already save more than €60 billion with Raisin`s partner banks. To save with partner banks, you open your free Raisin account with Raisin Bank, your personal central transaction account with Raisin Bank. Then open and manage as many savings products as you wish from one central account - ideal if you want to spread your savings across different products, banks and countries!
What are the minimum and maximum amounts I can invest?
The maximum investment limit per bank depends on the total amount invested and not on the number of deposits opened. In order to ensure that your funds are always protected by the Deposit Guarantee Schemes, the maximum investment amount per bank is up to €100,000. The minimum investment amount depends on the partner bank.
Is the account free of charge?
The services offered by Raisin Bank are provided free of charge. This includes opening and maintaining your Raisin Account, managing your international bank transfers (in euros), confirming your balance, sending statements, as well as our Customer Service in English. The opening and maintaining of term deposit accounts with our partner banks are also free as Raisin Bank receives a commission from the partner banks for the savings intermediated.
What is a deposit account?
A deposit account is a savings product which allows you to make an investment of a certain amount for a fixed period of time and at a fixed interest rate, with all parameters being agreed to before entering into the contract. At Raisin Bank, we offer terms ranging from 3 months to 5 years. As a general rule, the interest you will earn will be higher the longer the period for which you deposit your money.
How are the products I purchase through Raisin taxed?
As a resident of Ireland, you will have to declare the interest earned on the deposits you sign up for through Raisin Bank when filing your income tax return. Depending on the product’s country of origin, it is possible this country will apply a withholding tax to the interest generated. However, in most European countries, you will be able to claim back this withholding tax by sending us a certificate of tax residence in Ireland. For countries where the withholding tax cannot be claimed back, you will be able to compensate for the amount when filing your annual tax return in Ireland. You will therefore never be taxed twice on the interest earned through Raisin Bank’s products. To find out more about how the products you take out with Raisin Bank are taxed, please consult our tax guide.
Does Raisin withhold taxes on interest earned?
No – Raisin Bank does not withhold any taxes on interest earned. Interest income is earned at the relevant partner bank where you hold your deposit account and will be subject to double taxation agreements between your home country and the country of the term deposit investment. At the end of the term you will receive documents from the partner bank with all the information needed for your income tax declaration. Please note that you will be solely responsible for properly filing your tax returns in your home country.