For more than one million clients use the tracks Osobn et esk spoitelny

With a novelty in the form here, which is a stack of banking services divided into three dogs, esk spoitelna (according to only S) saw in August last year. Since then, the bank has shared the Personal, as it called its then novelty, with an order number of 530 thousand.

It is very variable, the client pays only for those products and services that he actually uses. So far, about 17% of clients (ie about 92 thousand) have agreed in the settings, and according to the S can reach up to thirty different types and equal products and related services.

Personal prices in the fight against competition prohrv

We were particularly interested in how many experts are so highly valued for their variability compared to the competition. esk spoitelna toti stated that if you ask the owner of the Personal here is a new client. We therefore chose three different client examples.

Compared to the largest domestic banks, Personal Price is based on prices for our clients as one of the most expensive for natural persons who are not entrepreneurs on the Czech banking market.

Source: Banks
Note: fees are always stated as a minimum (ie for all banks)

The first client to pay for the use of the service in S 161 crowns per month, while in mBank you do not have to issue a crown (mBank does not offer SIPO, overdrafts or embossed payment cards). With complete coverage of the required services, the same client of eBanka and Raiffeisenbank would pay 20.30 K (ie if the conditions of eKonto Prmium are met).

For Potovn spoitelna clients, the cost of a number of calculations for the first year is kept here, when payment cards are free. In the case of Komern banka, you can achieve these prices listed in the table below the Blue Pyramid (building society) and at the same time have a turnover of more than 15 thousand crowns.

The remaining clients of S u turned out a bit better. Their are never the most expensive. The price of the client is 2 for S to 115 crowns per month, a slight dram is for only the Genius Aktive GE Money Bank account, for which the client with the use of the same services will cost at least 119 crowns.

The client was able to pay the most in UniCredit Bank for the selected structure of services, namely CZK 79. Immediately followed by Osobn et S with 51.50 crowns. In this case, GE Money Bank could go ahead, provided that the average balance here does not exceed 40 thousand crowns. Then the price of 35 crowns changes to 70.

The last, very active client, will have to dig into his pocket to go much deeper. In Bawag Bank it will cost 248 crowns per month, in S at 236 crowns. On the other side is mBank with 95 crowns msn (ie for withdrawals from an ATM).

Even the choice of elephants is limited here

“Within the Personal, the client is free to choose only those products and services that I am interested in and that he will really use,” said iDNES.cz Pavla Plach from the Corporate Communications Department S. And how does it work in practice?

A mandatory system is always, if the client chooses, payment cards (electronic, embossed and Gold), Service 24, overdraft and so-called Spoic full. It is not possible, for example, unlike the withdrawal from ATM S, to use them and especially to pay them separately, it would be more affordable.

And the novelty is slowly displacing the original S account package, known as Comprehensive, Suitable Program and Senior. asem disappear and usually Sporoirov et. You don’t have a day out of these here at S since August. As an existing client, you can only transfer to a new Personal. If you take this step, consider that there is no return. You will find out about the differences between the old bales S and her new Personal HERE.