We’ve got a rare catch for you
Could we slightly adapt the icons to a fishing theme? For instance, replacing the rocket icon with a fishing rod.
3.7% p.a. interest – no catch
We credit your interest daily, so you never have to wait for your returns.
Cast your deposits whenever you like
With Savings without Limits, all deposits and withdrawals are completely free of charge.
Reel in your savings anytime
Your funds are available instantly, with no notice periods or withdrawal penalties.
Completely Fee-Free
Open and maintain your account with zero fees, always.
"Friends, why make it complicated? Banking should come with no strings attached – and no catches. Simply withdraw your savings whenever you need."
Jakub Vágner, professional angler
Three Steps to Your Catch
This product is available exclusively online.
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Submit your application
Complete the online account opening application in just 10 minutes.
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Verification
We’ll verify your
application quickly online. -
Start earning interest immediately
Make your initial deposit and your savings will begin accruing interest on a daily basis.
Why is "Savings without Limits" such a rare find?
Do you have savings and don’t know what to do with them? Don’t let your money just drift away. VÚB Bank’s no-strings-attached savings is a rare catch that combines excellent returns with instant liquidity.
Such flexibility is rarely seen – with us, you can access your savings whenever you wish, without any penalties or hidden fees. With us, you can cast and withdraw funds at any time, always with certainty and full control.
The interest calculation is for informational purposes only and does not include tax on interest.
Your savings are safe
deposits are insured by law
Under the Banking Act, all non-anonymous deposits of individuals and legal entities, held in Czech crowns or foreign currencies, are insured up to EUR 100,000 per customer.
VÚB Bank in Numbers
TOP 1
For the second consecutive year, we have received the Best Bank Awards from the American magazine Global Finance: Best Bank in Slovakia 2022.
1.2 million
We have 1.2 million customers in Slovakia, meaning that at least a quarter of the Slovak population uses one of our products.
Since 1990
We have been taking care of the financial needs of Slovak clients for more than three decades. We are now newly entering the Czech market as well.
13 countries
That’s our lucky number. We are part of the Italian banking group Intesa Sanpaolo, which operates in 13 European markets.
Clients References
Need advice on anything?
Call us 24/7 or send us a message.
We’ll be happy to help.
Documents
- Price List of VÚB, a.s. — Individuals
- Basic Information on Deposit Protection
- Terms and Conditions of VÚB, a.s. for the Management of the Savings without Limits Deposit Account
- General Terms and Conditions of VÚB, a.s. for Deposit Products
- Application for Issuance of a Tax Domicile Certificate
- Application for Issuance of a Tax Domicile Certificate – Sample
Information about the new General Terms and Conditions of VÚB, a.s., for deposit products (effective from 19.6.2026) and the new Price List (effective from 1.7.2026) is published at www.vub.sk/aktuality.
Frequently Asked Questions
What is a tax domicile and how can I obtain it?
A tax domicile determines a taxpayer’s affiliation with a country for tax purposes. It serves as proof that you are a tax resident of the Czech Republic and that you can claim tax reliefs there. This helps prevent double taxation on your credited interest income.
PROCEDURE TO OBTAIN AND FILL OUT A TAX DOMICILE:
You can find the application for a tax domicile certificate HERE, a sample on how to fill out the form HERE, and additional information HERE.
The tax domicile certificate based on the completed application must be obtained from the Financial Office of the Czech Republic at the locally competent tax administrator. You can easily find out which regional office you belong to by entering your postal code or the name of your residence or registered office on the Financial Administration’s website.
What needs to be submitted to obtain the certificate:
a) Proof of identity (for in-person applications)
b) Completed application form (a filled-in template is provided in the attachment)
c) Revenue stamp in the value of CZK 100 – we recommend purchasing it in advance, as not all tax offices allow you to buy it on site
4. The tax domicile certificate is issued for the current year as of the requested date (if the Savings without Limits account was opened in 2024). Alternatively, it can be issued for previous years by specifying the exact taxable period, for example from 1 January 2023 to 31 December 2023 (if the client is applying for a refund of withholding tax deducted from interest credited to the account up to 31 December 2023).
5. You can collect the issued certificate in person, or have it sent to you by post or electronically to your data mailbox (the data mailbox ID must be provided). Your preferred delivery method can be indicated in the application for the tax domicile certificate.
6. The processing period by the Financial Administration is one month from the date of submission of the application.
INTEREST PAYMENT CONFIRMATION FOR 2024
The interest payment confirmation for 2024 can be found in the “Statements” section, dated 31 December 2024.
HOW TO SUBMIT THE CERTIFICATE TO THE BANK:
The tax domicile certificate approved by the Financial Office is best sent to us via your Internet Banking.
1. At the beginning of the savings account opening process – on the “Applicant Information” screen, where you confirm the accuracy of your details and continue. EXAMPLE HERE
2. Alternatively – via “Send Message” in the Message Box section EXAMPLE HERE
In the Message Box, select the “Message Type” and then the “Message Area”. In the “Message Text” field, write that you are sending a Tax Domicile Certificate. Then upload the document in a permitted format (png, jpg, jpeg, or pdf) with a maximum size of 3 MB and send it to the bank. EXAMPLE HERE
Based on the tax domicile, the bank will change the tax withholding code on your account to 0% and refund the tax charged on interest for the relevant accounting period.
The client is then obliged to file a tax return in the Czech Republic, after which the interest will be taxed according to Czech legislation.
What does daily interest mean?
Interest is credited to your account daily. This means that if your balance is positive, a higher amount earns interest each day. Interest is credited on banking days, including retrospectively for non-banking days (i.e., weekends and public holidays in Slovakia).
Who is your savings account intended for?
Savings without Limits is for everyone — any individual can open an account.
What do I need to open the Savings without Limits account?
To open the Savings without Limits account, you need to scan two identification documents: a valid ID card and one of the following — passport, health insurance card, driver’s license, or birth certificate. At the same time, you must make a verification payment of 1 CZK from your current account to the savings account. This amount will be refunded to you afterward.
Can I also open a current account or other products with you?
Currently, it is not possible to open a current account or other products with us. At this moment, we are fully focused on the Savings without Limits account.
Will I receive a payment card with the savings account?
The Savings without Limits account is not linked to a current account; therefore, we do not issue a payment card for it.
How can I open a Savings without Limits account?
You do not need to visit a branch. You can conveniently set up the Savings without Limits account online using your computer, tablet, or mobile phone.
How long does the payment verification take?
The payment verification is processed according to the rules of the domestic payment system of the Czech Republic – which means no later than the second business day.