Through our network of business offices covering all of the Slovak regions, we bring unique opportunities to get the value from your money to the broader public. Everyone looking for above average, fixed, and secure evaluation of their savings comes to the right place when they meet us. In addition to regular banking products such as term deposits, saving and current accounts, you will also find an extremely attractive product with high earnings in our bank – corporate bonds.
Join Privatbanka and start to really get the value from your money!
Privatbanka FIX Account ensures for you above-average and guaranteed rate of return from your savings. You can leave your money working for you for as long as it suits you. For this whole period, your money will be exceptionally evaluated and protected by the Deposit Protection Fund. In the event of an unexpected situation, you can withdraw your money prematurely.
Fixed term deposit
available in Slovakia
Privatbanka FIX Account ensures for you above-average and guaranteed rate of return from your savings. You can leave your money working for you for as long as it suits you. For this whole period, your money will be exceptionally evaluated and protected by the Deposit Protection Fund. In the event of an unexpected situation, you can withdraw your money prematurely.
Privatbanka FIX Account is available in our Slovak branches or online.
1. Choose product
2. Personal data
3. Permanent residence address
4. Correspondence address
5. Bank account contract
| Years of Maturity | 1 | 1,5 | 2 | 2,5 | 3 | 3,5 | 4 | 5 |
| Annual rate of return | 2,50 % | 2,50 % | 2,80 % | 2,80 % | 2,70 % | 2,70 % | 2,50 % | 2,50 % |
- opening and maintaining term deposit free of charge, maturity period of 1 month to 60 months for a single period or with automatic prolongation and option of premature withdrawal
- term deposits in a foreign currency with maturity period of 1, 3, 6 and 12 months
- opening in EUR, CZK, USD, GBP, CHF with minimum deposit and balance of EUR 250, or CZK 5,000, USD 200, GBP 200, CHF 200
- deposit interest rate is fixed throughout the maturity period, interest rate model 365 (360/5/6); capitalised interest added to the principal, option to transfer interest to another account
- interest on 1-year deposits is added within one year, interest on long term deposits over one year is added as at 31 December of relevant year and upon maturity of deposit
- funds can deposited or withdrawn free of charge on the deposit maturity date (prolongation) and/or on the next business day (if date of maturity falls on Saturday or Sunday).
- penalty for early withdrawal corresponds to the amount of interest for 90 to 540 days – depending on the maturity period. More information in Fee List
- delivery of bank account statements at agreed intervals – in person, electronically or by post
- funds including interest are protected in line with Deposit Protection Act
available in France and Spain
Compulsory min. balance: EUR 5 000
| Years of Maturity | 1 | 2 | 3 | 4 | 5 |
| Annual rate of return (%) | 2,19 % | 2,60 % | 2,80 % | 2,60 % | 2,60 % |
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for Spain, Effective date June 15, 2020
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for France, Effective date June 15, 2020
ArchiveGeneral Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for Spain, Effective date August 15, 2018
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for France, Effective date August 15, 2018
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for Spain, Effective date September 1, 2018
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for France, Effective date September 1, 2018
* Privatbanka EURO Deposit 2 is only sold through the internet platform of the company Raisin GmbH to citizens of the Member States of the European Economic Area residing in France and Spain.
available in Germany, Austria and Netherlands
Compulsory min. balance: EUR 5 000
| Years of Maturity | 1 | 2 | 3 | 4 | 5 |
| Annual rate of return (%) | 2,19 % | 2,60 % | 2,80 % | 2,60 % | 2,60 % |
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for Netherlands Effective date August 15, 2022
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the Raisin Internet Platform for Germany, Effective date July 12, 2022
ArchiveSpecial Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Netherlands, Effective date June 15, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Germany, Effective date June 15, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Netherlands, Effective date June 26, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Germany, Effective date July 11, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Netherlands, Effective date November 15, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Germany, Effective date November 15, 2017
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Germany, Effective date August 15, 2018
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Netherlands, Effective date August 15, 2018
Special Terms and Conditions of Privatbanka, a.s. for Term Deposits via the Savedo Internet Platform for Germany, Effective date September 9, 2018
* Privatbanka EURO Deposit 2 (DE) is only sold through the internet platform of the company Raisin GmbH to citizens of the Member States of the European Economic Area residing in Germany, Austria and Netherlands.
available in Member States of the European Economic
Compulsory min. balance: EUR 1 000
| Years of Maturity | 1 | 2 | 3 | 4 | 5 |
| Annual rate of return (%) | 2,30 % | 2,60 % | 3,00 % | 3,00 % | 3,00 % |
General Terms and Conditions of Privatbanka, a.s. for Term Deposits (Targetaccount) via the ZINSPILOT Internet Platform, Effective date September 15, 2020
* Privatbanka EURO Deposit 3 is only sold through the internet platform of the company Deposit Solutions GmbH to citizens of the Member States of the European Economic.
available in Ireland
Compulsory min. balance: EUR 5 000
| Years of Maturity | 1 | 2 | 3 | 4 | 5 |
| Annual rate of return (%) | 2,19 % | 2,60 % | 2,80 % | 2,60 % | 2,60 % |
General Terms and Conditions of Privatbanka, a.s. for Term Deposits 4 (Targetaccount) via the Raisin Internet Platform for Ireland, Effective date July 15, 2020
* Privatbanka EURO Deposit 4 is only sold through the internet platform of the company Raisin GmbH to citizens of the Member States of the European Economic Area residing in the Republic of Ireland.
Corporate bonds are designed for everyone who wishes to gain higher profits from invested means than with term deposits with regular repayment of profits. Contrary to term deposits, bonds are not protected by Deposit Protection Fund.
As concerns the bonds offered by Privatbanka, the issuers include only the companies from economically strong and diversified PENTA Group.
- Investments starting at €3,000
- Above-average fixed revenue
- Regular payments on revenues made to account of your choice
- Option to sell a bond prior to its maturity
- Only stable and renowned
Disadvantages:
- The investment is not protected by the Deposit Protection Fund
with minimal investment 3 000 €
with minimal investment 100 000 €
Penta Public EUR XXIV/2025
4,40%
Penta Public EUR XXV/2025
6,10%
Penta Real Estate Public EUR I 2025
5,30%
Penta Public EUR XXII/2025
4,70%
Penta Public EUR XXI/2025
4,40%
Dr. Max Public EUR IV/2025
5,30%
Penta Public EUR XV/2025
5,00%
Penta Public EUR XIV/2025
5,40%
Penta Public CZK II/2025
5,65%
| Fortbet EUR III/2025 | |
| BOND NAME | Fortbet EUR III/2025 |
| ISSUER | FORTBET FUNDING s. r. o. . |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 5,50 % p.a. |
| ISSUE DATE | 27.10.2025 |
| MATURITY | 27.10.2029 |
| Dr. Max CZK III/2025 | |
| BOND NAME | Dr. Max CZK III/2025 |
| ISSUER | Dr. Max Funding, s.r.o. |
| AMOUNT ISSUED | 250 000 000,- |
| CURRENCY | CZK |
| COUPON | 6.40 % p.a. |
| ISSUE DATE | 29.10.2025 |
| MATURITY | 29.10.2031 |
| Fortbet CZK I/2025 | |
| BOND NAME | Fortbet CZK I/2025 |
| ISSUER | FORTBET FUNDING s. r. o. |
| AMOUNT ISSUED | 200 000 000,- |
| CURRENCY | CZK |
| COUPON | 5,40% |
| ISSUE DATE | 20.10.2025 |
| MATURITY | 20.10.2026 |
| Penta Real Estate EUR VIII/2025 | |
| BOND NAME | Penta Real Estate EUR VIII/2025 |
| ISSUER | Penta RE Funding II, s.r.o. |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 4,55 % p. a. |
| ISSUE DATE | 20.10.2025 |
| MATURITY | 20.04.2027 |
| Penta Real Estate EUR VII/2025 | |
| BOND NAME | Penta Real Estate EUR VII/2025 |
| ISSUER | Penta RE Funding II, s.r.o. |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 6,00 % p. a. |
| ISSUE DATE | 17.10.2025 |
| MATURITY | 17.10.2031 |
| Dr. Max CZK IX/2025 | |
| BOND NAME | Dr. Max EUR IX/2025 |
| ISSUER | Dr. Max Funding, s.r.o. |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 6,00 % p.a. |
| ISSUE DATE | 25.09.2025 |
| MATURITY | 25.09.2031 |
| Fortbet EUR II/2025 | |
| BOND NAME | Fortbet EUR II/2025 |
| ISSUER | FORTBET FUNDING s. r. o. . |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 5,50 % p.a. |
| ISSUE DATE | 19.08.2025 |
| MATURITY | 19.08.2029 |
| Dr. Max EUR VII/2025 | |
| BOND NAME | Dr. Max EUR VII/2025 |
| ISSUER | Dr. Max Funding, s.r.o. |
| AMOUNT ISSUED | 5 000 000,- |
| CURRENCY | EUR |
| COUPON | 4,70 % p.a. |
| ISSUE DATE | 18.08.2025 |
| MATURITY | 18.08.2027 |
| Penta Real Estate CZK VII/2025 | |
| BOND NAME | Penta Real Estate CZK VII2025 |
| ISSUER | Penta RE Funding CR, s.r.o. |
| AMOUNT ISSUED | 250 000 000,- |
| CURRENCY | CZK |
| COUPON | 5,50 % p. a. |
| ISSUE DATE | 29.07.2025 |
| MATURITY | 29.07.2027 |
| Penta Real Estate CZK VI/2025 | |
| BOND NAME | Penta Real Estate CZK VI2025 |
| ISSUER | Penta RE Funding CR, s.r.o. |
| AMOUNT ISSUED | 250 000 000,- |
| CURRENCY | CZK |
| COUPON | 6,00 % p. a. |
| ISSUE DATE | 24.06.2025 |
| MATURITY | 24.06.2029 |
| Penta Real Estate EUR VI/2025 | |
| BOND NAME | Penta Real Estate EUR VI/2025 |
| ISSUER | Penta RE Funding II, s.r.o. |
| AMOUNT ISSUED | 10 000 000,- |
| CURRENCY | EUR |
| COUPON | 5,50 % p. a. |
| ISSUE DATE | 23.06.2025 |
| MATURITY | 23.06.2029 |
PROJECTS FUNDED ALSO THROUGH THE BONDS FROM PENTA GROUP
Sky Park
Bory Mall
Rosum
Pri mýte
ProCare
Svet zdravia
Dr.Max
Waltrovka
Digital park
With a saving account, you may evaluate your money profitably, while you have it available at any time.
Savings accounts
With a saving account, you may evaluate your money profitably, while you have it available at any time.
Privatbanka BONUS Account
With a Privatbanka BONUS Account, you obtain a special bonus interest rate expressed in multiples of the prime interest rate. You just comply with the condition to withdraw your money once per months at the very most, with each withdrawal being less than 30% of the current account balance.
The reasons why you should save on Privatbanka BONUS Account:
- you can obtain a bonus rate calculated as 2 to 8 times the basic interest rate
- you can save even small amounts on a regular basis
- you can save for yourself or for your children under advantageous conditions
- you can create reserves for unplanned and unexpected expenses
- your funds will be protected under the Deposit Protection Act
| Basic interest rate | Multiple of the basic rate | Bonus interest rate | Total interest rate | |
|---|---|---|---|---|
| 3 months | 0,08 % p. a | 3 | 0,24 % p. a | 0,32 % p. a. |
| 6 months | 0,08 % p. a. | 5 | 0,40 % p. a. | 0,48 % p. a. |
| 12 months | 0,08 % p. a. | 8 | 0,64 % p. a. | 0,72 % p. a. |
- account opening and maintenance are is free of charge
- saving can be arranged for 3, 6 or 12 months
- accounts for natural persons (citizens) are opened in EUR
- funds can be deposited in the account throughout the deposit period
- early withdrawals can be made throughout the deposit period
- interest is always credited upon maturity
- the rate of interest is calculated as the sum of basic and bonus interest rates
- the basic interest rate is not fixed over the period of saving
- the bonus interest rate is calculated as a multiple of the basic interest rate, while this multiple is fixed over the period of saving and can be changed only when the deposit is prolonged
- the maximum amount of bonus interest is EUR 30 for saving for 3 months, EUR 80 for 6 months, and EUR 360 for 12 months
- early withdrawal without a loss of bonus interest is possible once a quarter, up to 30% of the account balance
Privatbanka SAVING account
This savings account is designed for everybody who wishes to save money without limitations and fixtures and a preferential interest rate.
Benefits for you:
- Your money is available at any time and with preferential interest
- Withdrawals at any time without sanctions
- You may contribute even small amounts on a regular basis
- You can save profitably for both yourself and your children
- You can make provision for unscheduled expenditures
- Your money is protected by the Deposit Protection Fund
- Account type: savings account − your deposit is payable immediately on request
- Account purpose: personal non-business purposes (citizens)
- Account currency: EUR
- Subject: physical entities – citizens
- Initial deposit: no
- Minimum balance: 0 EUR
- Basis: 30/360, p. a.
- Interest rate: variable
- Payment of interest: monthly
- Sales point: through business points of the bank
Current accounts
Learn about the wide range of current accounts of Privatbanka and choose that account that suits you best.
Privatbanka Account
Available to natural persons over 18 years for a monthly fee of € 4,80:
- Opening and maintaining account
- Payment card MasterCard Standard
- Making card payments in Slovakia and abroad
- Internet Banking
- SEPA payments
- Cash withdrawal from cash machines of sister bank Prima banka in Slovakia
- Monthly bank account statements
Privatbanka Wealth Account
Privatbanka Wealth Account is determined fordemanding clients of private banking, including legal persons. You can get FREE OF CHARGE:
- Opening and maintaining account
- Payment card MasterCard Gold including individual insurance
- Payment card Diners Club
- Making card payments in Slovakia and abroad
- Internet Banking
- SEPA payments
- Deposit and withdrawal of cash in a branch office
- Cash withdrawal from cash machines sister bank Prima banka in Slovakia
- Monthly bank account statements
Are you interested? Please select your private banker, we will be happy to provide you with more information.
Privatbanka Biznis Konto
The account is intended for the legal entities and offers the following services:
|
Account maintenance (monthly) |
15 € |
|
Payment card MasterCard Standard |
0 € |
|
Card payments abroad and home |
3 € |
|
0 € |
|
|
SEPA payments |
0,50 € |
|
Cash deposit |
1 € |
|
Cash withdrawal at a branch |
4 € |
|
Cash withdrawals from Prima Bank’s ATMs in Slovakia |
0,15 € |
|
Account statement (monthly) |
0 € |
Are you interested in Privatbanka Biznis Konto? Contact us and we will be happy to arrange a meeting with you.
Privatbanka Basic Account
It is determined for natural persons – residents in line with Act No. 483/2001 Coll. on Banks, as amended, and in line with Decree of Ministry of Finance SR No.41/2016 Coll. on Basic Bank Product.
Privatbanka Standard Account
It is determined for natural persons – residents in line with Act No. 483/2001 Coll. on Banks, as amended, and in line with Decree of Ministry of Finance SR 42/2016 Coll. on Basic Functions Bank Account.
Current Account in Foreign Currency
It is determined for natural persons – residents, who wish to manage their funds in foreign currency.
Full list of services to current accounts above can be found in the current version of the Tariff.
Are you interested in any of the accounts above? Please feel free to contact us and we will be happy to make appointment with you.
Payment cards
MasterCard Standard
Parameters
- card validity: 3 years
- a prestigious embossed card
- 24-hour access to cash through a wide network of ATMs in Slovakia and abroad
- cash advance – access to cash at banks or exchange offices in Slovakia and abroad
- non-cash payment for goods and services in shops equipped with POS terminals or imprinters in Slovakia and abroad
- reservation of funds for transaction settlement in real time through a payment card
- information about current account balances in real time via Internet Banking, GSM Banking, and through selected ATMs
Supplementary services
- the sale of insurance
- MasterCard Global Service (MGS)
MasterCard Gold
Parameters
- card validity: 3 years
- a prestigious embossed card
- 24-hour access to cash through a wide network of ATMs in Slovakia and abroad
- cash advance – access to cash at banks or exchange offices in Slovakia and abroad
- non-cash payment for goods and services in shops equipped with POS terminals or imprinters in Slovakia and abroad
- reservation of funds for transaction settlement in real time through a payment card
- information about current account balances in real time via Internet Banking, GSM Banking, and through selected ATMs
Supplementary services
- VPP Chartis Europe
- MasterCard Global Service (MGS)
Internet Banking
Comfortable access to funds held on your accounts at any hour of a day or night, from any place in the world.
Basic functions of Internet Banking
- establishment and use of Internet Banking free of charge
- current balances on your accounts
- transactions on your accounts within a selected period of time
- statements of accounts – an overview of transactions
- payment operations – entry of payment instructions
- possibility of creating templates for the most frequently used recipients
- overview of transfer instructions
- possibility of ordering a payment card, including the setting of a daily limit
- SMS notification sent to a mobile phone
Cash services
Counter services
- Deposits and withdrawals of cash
- Exchange of nominal values of banknotes andcoins
- Processing higher number of banknotes andcoins
- Measuring incomplete banknote
Exchange services
- Sale of funds in foreign exchange in cash (foreign currency)
- Purchase of funds in foreign exchange in cash (foreign currency)
- Exchange of foreign currencies (conversion)
- Exchange of nominal values of the same foreign exchange (small change)
Cashless payments
Payment transactions made by Privatbanka:
- SEPA payment transactions – payments made in EUR within EHP - SEPA countries:
- Cross-border payment transactions – Payments made in foreign currency to / from abroad or to / from another Slovak banky