Make your business easier

with an account that works for you

 

A reward of up to 200 EUR is just the first thing that will make you happy

  • Our accounts are packed with benefits and reward you with much more than money.

  • Even smaller businesses can get tailor made conditions.

  • And as a sole trader or other type of self employed person, you can have an account for free.

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6x easier

We have plenty of great solutions you’ll love. Here are the 6 strongest ones:

Reward of up to EUR 200

Open a Business START, OPEN or TOP account and receive EUR 80. The remaining amount will be paid over the following 6 months. The condition is a minimum monthly incoming payment of EUR 800. Terms and conditions available in PDF (only in Slovak).

Fast and fair loan

Get a loan easily, even if you’re just starting out. Up to EUR 10,000 to get your business off the ground, even without a tax return. For loans above EUR 10,000, we guarantee an interest rate of 5.9% p.a. You’ll hardly find such a good loan available this quickly elsewhere.

Fast payment terminals

We’ll provide you with a payment terminal so you can have your money in your account as soon as the next day.

Free withdrawals and deposits

Withdraw cash for free across Slovakia and worldwide. With the START account, this applies to withdrawals from EUR 80. Deposits are also free, and you can visit any of our 47 branches, where business specialists will be happy to assist you.

Earn interest on your money

Get up to 1% p.a. interest on a secondary euro account for balances up to EUR 80,000. Simply maintain a minimum monthly incoming payment of EUR 800.

Mastercard benefits

Airport lounges, virtual assistants, and much more.

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Forget your business worries

Transaction tax? We handle it for you. And that’s just the beginning. With our accounts, you can gain premium travel insurance or get an attractive loan after only 3 months. Most importantly, we’re a partner you’ll enjoy having coffee with—someone you can tell what your business needs next. From payment terminals, leasing, and business loans to credit cards and insurance, we can help find the right solution tailord to you and your business needs.

We’re trusted not only by large international companies, but also by thousands of small business owners who genuinely come to us for advice. And if we can help them, we can help you too. Stop by — the coffee is on us.

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A package of services that won’t cost a fortune

CHOOSE BASED ON YOUR BUSINESS NEEDS

  • START
  • OPEN
  • TOP

START

BUSINESS Accounts FOR SOLE TRADERS

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  • When to choose it:
    • You run your own business.
    • You want at least a year free with benefits normally paid for.
    • You only need an EUR account.
  • What you can get for free
    • All SEPA payments on the main account.
    • Up to 1% p.a. interest on a secondary EUR account for balances up to EUR 80,000.
    • ATM withdrawals in Slovakia & abroad from 80 EUR.
    • Withdrawals from UniCredit Bank ATMs abroad.
    • 2 account (EUR or foreign currencies).
    • 1 payment card.
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FREE for at least 1 year

After that: free with 400 EUR monthly turnover, otherwise 5 EUR/month

OPEN

BUSINESS accounts FOR COMPANIES & SOLE TRADERS

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  • When to choose it:
    • You’re a company or sole trader and want a year for free.
    • You have up to 100 transactions per month.
    • You need an account in other currencies as well - e.g., CZK or USD.
  • What you can get for free
    • 100 SEPA payments on the main account.
    • Up to 1% p.a. interest on a secondary EUR account for balances up to EUR 80,000.
    • Free ATM withdrawals.
    • Up to 3 accounts (EUR or foreign currencies)
    • 2 payment cards.
    • Nonstop travel assistant.
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FREE for 1 year

Then 4 EUR with conditions, otherwise 8 EUR/month

TOP

BUSINESS accounts FOR COMPANIES & SOLE TRADERS

I'm interested

  • When to choose it:
    • You’re an established business.
    • You have up to 500 free transactions per month.
    • You need accounts in EUR and other currencies.
  • What you can get for free
    • 500 SEPA payments on the main account.
    • Up to 1% p.a. interest on a secondary EUR account for balances up to EUR 80,000.
    • Free ATM withdrawals
    • Up to 4 accounts (EUR or foreign currencies)
    • 2 payment cards (one can be Debit Business World with travel insurance)
    • Nonstop travel assistant.
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15 EUR

monthly

How to open an account

WE’RE HERE FOR YOU AT 47 BRANCHES AROUND SLOVAKIA

Just visit any branch. Our business account specialists will explain everything clearly and without obligation. And if you decide to open the account, they’ll guide you through it right on the spot.

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Frequently asked questions

How much do the Start and Open accounts cost?

Both are free for the entire first year.

Start Account stays free if at least 400 EUR arrives monthly.
Open Account costs 4 EUR/month if you meet at least one of these conditions:

  • At least 800 EUR incoming payments per month
  • Balance at least 10,000 EUR on your main EUR account

Otherwise: Start = 5 EUR/month, Open = 8 EUR/month.

Incoming payments do not include your own transfers between accounts, term deposits, loan account transfers, interest, fee refunds, or card transaction reversals.

Do you really offer such a favorable loan after 3 months?

Yes. If you’ve been in business at least 6 months, you can get

  • Up to 10,000 EUR without providing a tax return
  • Above 10,000 EUR: guaranteed 5.9% p.a.

If you’re just starting, you can borrow up to 4,000 EUR immediately after opening the account. More information HERE.

Can I link one of my cards to a CZK or USD account?

Absolutely. With multiple accounts and cards in your package,
you decide how to pair them. You can even have two cards on one account or assign each to a separate account.

What’s the benefit of the Debit Business World card with the TOP account?

Besides its premium look, it offers:

  • Higher limits for withdrawals and payments
  • Top tier travel insurance for free

If you prefer, you can choose two standard Debit Business Standard cards instead.

What else might be useful

 

Excellent business loans

For loans between 10,000 and 200,000 EUR, you get a guaranteed 5.9% rate with just one tax return. We also offer working capital loans and loans secured by real estate.

More information

 

Payment terminals for your business

We’ll lend you a terminal with next‑day payouts, help with installation and setup, and also offer a payment gateway or mobile terminal.

More information

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