Raiffeisenbank a.s.

Raiffeisenbank a.s. is a Czech commercial bank and subsidiary of Raiffeisen Bank International AG, operating under a license from the Czech National Bank and covered by the Czech deposit insurance scheme (Financial Market Guarantee System) up to the equivalent of 100,000 EUR per depositor. The bank serves retail, SME, corporate, and private banking clients with current accounts in CZK and selected foreign currencies, savings and term deposits, payment cards (Visa and Mastercard) with support for major mobile wallets, domestic payments and SEPA/SWIFT transfers, consumer loans and overdrafts, mortgages and refinancing, and investment products distributed through group entities and external partners. For businesses, it offers accounts, cash management, FX and interest-rate products, trade finance and guarantees, and leasing provided via affiliated companies. Channels include a branch network in larger cities, internet banking, and a mobile app using app-based two-factor authentication and biometric login; card controls and transaction notifications are available. Pricing follows a package model with monthly account fees that can be reduced or waived under specified activity criteria; standard charges apply for selected cash operations, out-of-network ATM withdrawals, and cross-border transfers, and currency conversion uses the bank’s rates with an embedded spread. The bank supports SEPA credit transfers in EUR and handles other currencies via SWIFT with SHA/OUR/BEN options as per its price list. Raiffeisenbank a.s. expanded its retail base through the acquisition and subsequent integration of Equa bank a.s., and it publishes audited financial statements and detailed fee schedules for customers to compare account plans and payment services.