— Personal Banking
Savings Accounts.
Capital that grows quietly, with full protection.
— Personal Banking
Capital that grows quietly, with full protection.
— Instant access APY
Up to 3.10%
— 12-mo term APY
Up to 4.05%
— Loyalty bonus
+0.25% (5+ yrs)
— Minimum
€5,000
— Overview
Term deposits and instant-access savings with rates that respect your loyalty. Every account is covered by the EU Deposit Guarantee Scheme up to €100,000 per holder.
— Features
Higher rates apply automatically as your balance crosses each threshold — no negotiation, no fine print, no needing to ask.
From 30-day to 5-year terms with partial-withdrawal options on request. Roll-over is automatic at the prevailing rate unless you instruct otherwise.
An additional 0.25% APY for clients of more than five years, applied automatically on every renewal.
— Your yield, projected
Move the sliders to model what your savings can earn across our tiers. The result is the gross EUR yield at today's rate card — your banker will quote the live exact rate when you open.
Open an account →— Yield calculator
Project your savings.
Monthly payment
€ 20,400
Total interest
Total interest
— Process
Step 01
Choose tier
Pick instant access or a fixed term that suits your liquidity needs.
Step 02
Fund
Move funds from your Diavulcan checking account or by inbound SEPA / SWIFT.
Step 03
Compound
Interest is calculated daily and credited monthly. No action required from you.
Step 04
Withdraw
Instant access at any time. Term accounts mature on schedule and roll over automatically unless you instruct otherwise.
— Key facts
All headline terms shown here. Indicative pricing — your dedicated banker will confirm exact figures based on your relationship and the structure agreed.
Regulated by the Czech National Bank.
Member of EU Deposit Guarantee Scheme.
| Instant access APY | Up to 3.10% |
| 12-month term APY | Up to 4.05% |
| Minimum deposit | €5,000 |
| Compounding | Daily, paid monthly |
| Early withdrawal | No penalty on instant access |
| Deposit insurance | Up to €100,000 (EU DGS) |
"We came to Diavulcan in 1996 after our Swiss bank lost track of who we were. Three banks have tried to win us back since. None has come close. The same banker still answers the same line."
— Mr. P. Janáček
Client since 1996 · Praha
— Questions
Are rates fixed or variable?
Term-deposit rates are fixed for the duration of the term. Instant-access rates are variable but reviewed at most quarterly, and never reduced more than once in any 12-month window.
Can I add to a term deposit mid-term?
Yes. Top-ups are allowed at any time at the prevailing rate for the remaining duration.
How is the loyalty bonus applied?
Automatically at every roll-over and on every newly opened savings account, once you've been a Diavulcan client for five continuous years.
Is the interest taxable?
Czech residents: yes, withheld at source. Non-residents: depends on your tax treaty — we provide statements your accountant will recognise.
Can I have savings in USD or CHF?
Yes. We support EUR, USD, CZK, GBP, and CHF term deposits. Rates differ by currency.
Have a question we did not answer? Message your banker or write to us directly.
— Related
— Begin
A short conversation is the fastest way to understand whether savings accounts are the right structure for you. We reply within two business days — usually the same day.