Business account fees in Czechia: how to compare

Snapshot

Business account fees in Czechia range from CZK 0 a month with Fio banka and some digital providers to a monthly package fee at full service banks such as Komercni banka, Ceska sporitelna, and CSOB, as of 13 October 2025. Transaction, card, cash handling, and currency conversion fees are charged separately and vary by provider and plan.

Cheapest monthly fee: CZK 0 a month with Fio banka, which markets free standard domestic and SEPA payments, as of 13 October 2025.
Typical traditional bank: A monthly package fee that varies by package and is sometimes waived when conditions are met. Confirm with the bank, as of 13 October 2025.
Free option: Yes. Fio banka markets a business account with no monthly maintenance fee.
Providers compared: Multiple domestic banks and digital business accounts

Fees and features as of 13 October 2025Last reviewed 13 October 2025

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Most business accounts in Czechia charge either no monthly fee or a monthly package fee, with separate charges for transfers, cards, cash handling, and currency conversion. Fio banka markets a business account with no monthly maintenance fee and free standard domestic and SEPA payments, while digital providers such as Wise Business and Revolut Business publish low or zero headline fees and charge per use. Full service banks such as Komercni banka, Ceska sporitelna, and CSOB bundle services into a monthly package. The reliable way to compare is to read each provider price list, the sazebnik, as of the date you apply. Figures below are shown as of 13 October 2025.

What business accounts cost in Czechia

A Czech business account fee usually has several parts: a monthly account or package fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, and currency conversion costs on foreign payments. Full service banks tend to bundle a set of services into a monthly package, then charge for extras, and may waive the monthly fee when conditions such as turnover or a minimum number of transactions are met. Low cost providers such as Fio banka advertise no monthly fee with free standard domestic payments, while digital providers such as Wise Business advertise a low headline fee and charge per use. Comparing only the headline fee can mislead, so add the items your business actually uses. The currency is the Czech koruna, written CZK.

Monthly account fees

Monthly package fees at full service banks such as Komercni banka, Ceska sporitelna, and CSOB vary by package and are sometimes waived when conditions are met, so the headline figure is best confirmed with the bank. Fio banka markets a business current account with no monthly maintenance fee, and Wise Business has no monthly fee while charging a one time setup fee of about CZK 1,150 to get started, all as of 13 October 2025. Revolut Business offers a free Basic plan with paid plans above it. Confirm current figures with the provider.

Transaction, card and cash fees

Beyond the monthly fee, watch the per item charges. SEPA transfers and direct debits may be included up to an allowance, then priced per item, though Fio banka markets free standard domestic and SEPA payments. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at full service banks and may be limited or unavailable at digital providers. As an example, the Wise Business card allows two ATM withdrawals up to CZK 5,000 each per month free, then charges CZK 15 per withdrawal and 1.75 percent on amounts above CZK 5,000, as of 13 October 2025. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Read each price list for the current figures.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider

Monthly account or package fee, and what it includes. Fio banka markets no monthly maintenance fee, while full service banks charge a package fee that is sometimes waived when conditions are met, as of 13 October 2025.
Transfer, direct debit, and card fees, plus any allowance of free transactions before charges begin. Fio banka markets free standard domestic and SEPA payments, while digital plans differ widely in what counts as free, as of 13 October 2025.
Cash deposit and withdrawal fees, and currency conversion costs. Digital providers often limit free ATM withdrawals, while multi currency providers such as Wise Business price foreign exchange separately. Verify current figures with the provider.

How to compare fees

List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
Read each provider price list, the sazebnik, and total the monthly fee plus the per item charges for your usage.
Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline monthly fee. Confirm the current schedule with the provider before opening.

Compare business accounts available in Czechia

These providers accept business customers in Czechia. Fees and eligibility shown as of 13 October 2025. Confirm current terms with the provider before applying.

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Questions about business banking fees in Czechia

What is the cheapest business account in Czechia?

Fio banka markets a business current account with no monthly maintenance fee and free standard domestic and SEPA payments, as of 13 October 2025, and digital providers such as Wise Business have no monthly fee while charging per use. The cheapest option overall depends on your transaction mix, since transfer, card, cash, and currency fees add to the price. Compare the full fee schedule with the provider before applying. This is general information, not advice.

How much do traditional Czech banks charge for a business account?

Traditional banks such as Komercni banka, Ceska sporitelna, and CSOB usually charge a monthly package fee that varies by package and is sometimes waived when conditions such as turnover or a minimum number of transactions are met. As of 13 October 2025, confirm the current package fee and any waiver with the bank, since pricing changes.

Are there hidden fees on Czech business accounts?

Fees are published in each provider price list, the sazebnik, but the headline monthly fee rarely tells the whole story. Watch for per transaction charges, cash handling fees, limits on free ATM withdrawals, and currency conversion costs. Add the items you use to compare fairly. As of 13 October 2025, verify current figures with the provider.

Do neobank business accounts charge for transfers in Czechia?

It varies by provider and plan. Some plans include a monthly allowance of free SEPA transfers and charge beyond it, while others charge per transfer or per extra card. Foreign currency payments are usually priced separately. As of 13 October 2025, check the current plan details with the provider, since pricing changes.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 13 October 2025. Confirm current terms with the provider before applying.

Business banking fees in Czechia