Best Bank Accounts in Czech Republic for Expats (2026)

Compare the best Czech bank accounts for expats. From major local banks to international digital platforms. Updated March 2026.

Tax note for Czech Republic: Czech Republic taxes interest income at 15%. The Czech deposit guarantee covers up to 100,000 EUR equivalent per person per institution. Banks withhold tax on interest automatically.

Our pick for Czech Republic

Wise — Real exchange rate, no hidden fees

Trusted by 16M+ people worldwide. Send, spend, and receive in 40+ currencies at the real mid-market rate. Multi-currency account with local bank details in 10+ countries. No monthly fees.

Open free Wise account

Free to create an account. Fees apply to transfers and card usage.

Bank comparison for Czech Republic

Bank	Monthly fee	Card fee	ATM withdrawals	FX fee	Best for
Wise	0 CZK	175 CZK (one-time)	2 free/mo, then 12 CZK	0.33-0.6%	International transfers	Open account
Revolut	0 CZK (free plan)	0 CZK	5,000 CZK free/mo	0% (weekdays)	All-in-one app
N26	0 CZK (Standard)	0 CZK	3 free/mo, then 50 CZK	1.7%	Free digital banking
Ceska Sporitelna	0 CZK (online only)	0 CZK	Free at CS ATMs	Varies	Largest Czech bank
CSOB	0 CZK (basic)	0 CZK	Free at CSOB ATMs	Varies	Full-service banking

How we chose these banks

We evaluated banks available to expats in Czech Republic based on monthly fees, card costs, ATM networks, foreign exchange markups, ease of account opening for non-Czech nationals, and app quality. Czech banks typically require a passport, proof of address (or a declaration of address), and a residence permit for non-EU nationals.

What to look for as an expat in Czech Republic

CZK vs EUR -- Czech Republic uses the koruna (CZK), not the euro. If you earn in CZK, a local bank account is essential. For EUR transactions or sending money home, Wise or Revolut offer much better exchange rates.
Rodne cislo -- Czech birth number, sometimes needed for banking. EU citizens can often open accounts with just a passport and proof of address.
English-language support -- Ceska Sporitelna and CSOB both offer English-language services in major cities. Their mobile apps have English language options. N26, Wise, and Revolut are natively English.
ATM network -- Ceska Sporitelna has the largest ATM network in Czech Republic. CSOB also has extensive coverage. Cash is still commonly used alongside cards.
Multi-currency needs -- If you travel frequently to eurozone countries or receive payments in EUR, consider keeping both a CZK account (local bank) and a multi-currency account (Wise or Revolut).

Calculate your Czech Republic salary first

Know exactly how much you take home after Czech income tax and social contributions before deciding how to manage your money.

Czech Republic salary calculator