{"id":193265,"date":"2026-08-27T10:36:15","date_gmt":"2026-08-27T10:36:15","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/193265\/"},"modified":"2026-08-27T10:36:15","modified_gmt":"2026-08-27T10:36:15","slug":"unicredit-od-zari-nabidne-urok-az-43-procenta-na-sporicim-uctu","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/193265\/","title":{"rendered":"UniCredit od z\u00e1\u0159\u00ed nab\u00eddne \u00farok a\u017e 4,3 procenta na spo\u0159ic\u00edm \u00fa\u010dtu"},"content":{"rendered":"<p>UniCredit Bank od za\u010d\u00e1tku z\u00e1\u0159\u00ed upravuje \u00farokov\u00e9 sazby pro retailov\u00e9 klienty. Maxim\u00e1ln\u00ed zhodnocen\u00ed se posouv\u00e1 ze sou\u010dasn\u00fdch 3,7 procenta na 4,3 procenta ro\u010dn\u011b. Banka t\u00edmto krokem reaguje na konkuren\u010dn\u00ed prost\u0159ed\u00ed, kde v posledn\u00ed dob\u011b k obdobn\u00fdm zm\u011bn\u00e1m s\u00e1hla nap\u0159\u00edklad Fio banka \u010di Banka Creditas.<\/p>\n<p>Podm\u00ednky pro zisk sazby 4,3 procenta<\/p>\n<p>Nov\u00e1 maxim\u00e1ln\u00ed sazba 4,3 procenta je ur\u010dena pro vklady do 500 tis\u00edc korun. Pro jej\u00ed z\u00edsk\u00e1n\u00ed mus\u00ed klient splnit kombinaci podm\u00ednek. Mus\u00ed prov\u00e9st alespo\u0148 deset plateb kartou za m\u011bs\u00edc a z\u00e1rove\u0148 pravideln\u011b investovat minim\u00e1ln\u011b 2 000 korun m\u011bs\u00ed\u010dn\u011b, p\u0159\u00edpadn\u011b realizovat jednor\u00e1zovou investici ve v\u00fd\u0161i alespo\u0148 50 tis\u00edc korun.<\/p>\n<p>Klienti, kte\u0159\u00ed preferuj\u00ed klasick\u00e9 spo\u0159en\u00ed bez investic, mohou z\u00edskat sazbu 4 procenta ro\u010dn\u011b. Podm\u00ednkou je v tomto p\u0159\u00edpad\u011b m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem na \u00fa\u010det ve v\u00fd\u0161i alespo\u0148 20 tis\u00edc korun a deset plateb kartou. Pro vklady v p\u00e1smu od 500 tis\u00edc korun do 2 milion\u016f korun z\u016fst\u00e1v\u00e1 \u00faro\u010den\u00ed na \u00farovni 3 procenta.<\/p>\n<p>UniCredit Bank nen\u00ed jedinou bankou, kter\u00e1 se navy\u0161ovala sazby na spo\u0159ic\u00edm \u00fa\u010dtu. Ned\u00e1vno posunula \u00faro\u010den\u00ed sm\u011brem vzh\u016fru tak\u00e9 Fio banka, a to jak u produktu Fio konto (pro vklady do 200 tis\u00edc korun), tak u sv\u00e9ho klasick\u00e9ho spo\u0159ic\u00edho \u00fa\u010dtu.\u00a0<\/p>\n<p>Klienti, kte\u0159\u00ed maj\u00ed Fio konto, nyn\u00ed dos\u00e1hnou na 3,5 procenta ro\u010dn\u011b. Banka tak sazbu nav\u00fd\u0161ila o 0,25 procenta. Sazba se t\u00fdk\u00e1 p\u00e1sma do 200 tis\u00edc korun a je nav\u00edc omezena pouze na jedno Fio konto dan\u00e9ho klienta. V p\u0159\u00edpad\u011b, \u017ee jich u\u017eivatel vlastn\u00ed v\u00edce, uplatn\u00ed se zv\u00fdhodn\u011bn\u00ed automaticky na tom nejstar\u0161\u00edm z nich.<\/p>\n<p>Pro klienty, kte\u0159\u00ed maj\u00ed naspo\u0159eno v\u00edce, banka nab\u00edz\u00ed mo\u017enost kombinace v\u00edce produkt\u016f. Zat\u00edmco Fio konto je limitov\u00e1no \u010d\u00e1stkou 200 tis\u00edc korun, zb\u00fdvaj\u00edc\u00ed \u00faspory lze p\u0159ev\u00e9st na Fio spo\u0159ic\u00ed \u00fa\u010det. Ten fyzick\u00fdm osob\u00e1m nab\u00edz\u00ed \u00farokovou sazbu 3 procenta pro celou vlo\u017eenou \u010d\u00e1stku bez jak\u00e9hokoliv omezen\u00ed. Doposud byla sazba 2,7 procenta.<\/p>\n<p>Trend na trhu? Vy\u0161\u0161\u00ed \u00farok za investice<\/p>\n<p>Dal\u0161\u00ed bankou, kter\u00e1 ned\u00e1vno m\u011bnila pravidla u sv\u00e9ho spo\u0159ic\u00edho \u00fa\u010dtu, je Banka Creditas. Ta nejvy\u0161\u0161\u00ed sazbu tak\u00e9 nav\u00e1zala na investice. \u00darok 4,25 procenta ro\u010dn\u011b z\u00edskaj\u00ed klienti, kte\u0159\u00ed m\u011bs\u00ed\u010dn\u011b investuj\u00ed alespo\u0148 t\u0159i tis\u00edce korun, nebo jejich\u017e celkov\u00fd objem investic v bance \u010din\u00ed minim\u00e1ln\u011b 300 tis\u00edc korun.<\/p>\n<p>Na zhodnocen\u00ed ve v\u00fd\u0161i 4 procenta ro\u010dn\u011b nyn\u00ed dos\u00e1hnou i lid\u00e9, kte\u0159\u00ed banku vyu\u017e\u00edvaj\u00ed k b\u011b\u017en\u00e9mu placen\u00ed. Podm\u00ednkou je prov\u00e9st alespo\u0148 deset plateb kartou m\u011bs\u00ed\u010dn\u011b a zajistit p\u0159\u00edchoz\u00ed platby v souhrnn\u00e9 v\u00fd\u0161i minim\u00e1ln\u011b 20 tis\u00edc korun za m\u011bs\u00edc.\u00a0<\/p>\n<p>Z\u00e1kladn\u00ed sazba pro vklady do 500 tis\u00edc korun z\u016fst\u00e1v\u00e1 na \u00farovni 3,25 procenta ro\u010dn\u011b, a to bez nutnosti plnit jak\u00e9koli dodate\u010dn\u00e9 podm\u00ednky.<\/p>\n<p><a class=\"article-card__image\" data-ac-image=\"\" href=\"https:\/\/www.e15.cz\/sporici-ucty-srovnani\" title=\"Spo\u0159ic\u00ed \u00fa\u010dty: Srovn\u00e1n\u00ed za srpen. Jak vysok\u00e9 \u00farokov\u00e9 sazby banky aktu\u00e1ln\u011b nab\u00edzej\u00ed?\" rel=\"nofollow noopener\" target=\"_blank\"><img decoding=\"async\" alt=\"Spo\u0159ic\u00ed \u00fa\u010dty: Srovn\u00e1n\u00ed za srpen. Jak vysok\u00e9 \u00farokov\u00e9 sazby banky aktu\u00e1ln\u011b nab\u00edzej\u00ed?\" title=\"Spo\u0159ic\u00ed \u00fa\u010dty: Srovn\u00e1n\u00ed za srpen. Jak vysok\u00e9 \u00farokov\u00e9 sazby banky aktu\u00e1ln\u011b nab\u00edzej\u00ed?\" class=\"\" data-magazine=\"\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/08\/9402988.jpg\" loading=\"lazy\" style=\"aspect-ratio: 328 \/ 184\"\/><\/a><a class=\"article-card__title-link line-limit-3\" data-ac-title=\"\" href=\"https:\/\/www.e15.cz\/sporici-ucty-srovnani\" title=\"Spo\u0159ic\u00ed \u00fa\u010dty: Srovn\u00e1n\u00ed za srpen. Jak vysok\u00e9 \u00farokov\u00e9 sazby banky aktu\u00e1ln\u011b nab\u00edzej\u00ed?\" rel=\"nofollow noopener\" target=\"_blank\">Spo\u0159ic\u00ed \u00fa\u010dty: Srovn\u00e1n\u00ed za srpen. Jak vysok\u00e9 \u00farokov\u00e9 sazby banky aktu\u00e1ln\u011b nab\u00edzej\u00ed?<\/a><\/p>\n<p>Podobnou nab\u00eddku m\u00e1 i Raiffeisenbank (4,20 procenta). Klienti ale tak\u00e9 musej\u00ed po\u010d\u00edtat s t\u00edm, \u017ee nejvy\u0161\u0161\u00ed zhodnocen\u00ed nen\u00ed automatick\u00e9 a je nav\u00e1z\u00e1no na investov\u00e1n\u00ed.\u00a0<\/p>\n<p>Pro klienty, kte\u0159\u00ed se necht\u011bj\u00ed v\u00e1zat podm\u00ednkami nebo maj\u00ed vy\u0161\u0161\u00ed \u00faspory, z\u016fst\u00e1v\u00e1 zaj\u00edmavou alternativou V\u00daB Banka s plo\u0161nou sazbou 3,8 procenta bez limitu v\u00fd\u0161e vkladu. Banka sazbu tak\u00e9 v srpnu navy\u0161ovala, a to o 0,10 procenta.<\/p>\n","protected":false},"excerpt":{"rendered":"UniCredit Bank od za\u010d\u00e1tku z\u00e1\u0159\u00ed upravuje \u00farokov\u00e9 sazby pro retailov\u00e9 klienty. Maxim\u00e1ln\u00ed zhodnocen\u00ed se posouv\u00e1 ze sou\u010dasn\u00fdch 3,7&hellip;\n","protected":false},"author":2,"featured_media":193266,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[10169,11611,67,68,28019,69,5532,15178,2912,10255,7315,9775],"class_list":["post-193265","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-air-bank","tag-banka","tag-business","tag-byznys","tag-fio-banka","tag-investice","tag-jt-banka","tag-moneta-bank","tag-platba","tag-raiffeisenbank","tag-unicredit","tag-urok"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117167035972937012","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/193265","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=193265"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/193265\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/193266"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=193265"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=193265"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=193265"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}