portal banks.cz is unique in the Czech environment forstorem, which combines online consulting and a financial product comparison tool across Czech banks, which are among the largest in our country in terms of their scope. Here you can find practically all domestic financial institutions, their offerings and branches.
What can be found and solved through banka.cz?
When entering the banka.cz address, the user is greeted with the message "We will guide you through the world of financial products". However, this is not just an empty slogan. Here we can compare more than 560 database products, whether it is mortgages, loans, insurance, current and savings accounts, pension or building savings or time deposits.
At the same time, the portal offers a large number of useful and cleverly thematically arranged articles prepared by experienced editors and specialists, which can provide valuable up-to-date information from the world of finance.ancand instructions for solving specific situations.
A practical and ever-expanding dictionary of terms with a clear alphabetical selection contains over 770 entries illuminating terms from annuity, credit rating and property acquisition tax to various forms of payment, including Apple Pay, Fitbit Pay and others, up to an explanation of the principles of various forms of contracts, such as inheritance contracts, consumer credit contracts, exclusive sales contracts, or futures contracts.
A great benefit of the portal is the free online consultation, which will answer your questions regarding topics in the field of finance.ancWhether it's about real estate, tax issues, or complicated circumstances related to foreclosure, insolvency, or even fraud, you can find many answers among the questions already asked or enter your own.
Mortgages
A mortgage loan is something that most of us do not deal with very often, but if we do, it is associated with a lot of questions and possible ambiguities. There are also some pitfalls that are worth paying more attention to.
Banky.cz is the ideal place to start in this regard. Expanding this first menu item reveals the types of mortgages and the services provided for them, with some important terms and related articles immediately displayed at the bottom.
By selecting any type of mortgage, you will be taken to a brief description of it, followed by a calculator that allows you to set key parameters such as the loan amount, repayment period or the level of urgency with which you need to resolve the situation. There is also a list of the most important conditions for obtaining it, including, for example, meeting miniMinimum age limit of 18 years, proof of income or sufficient creditworthiness. The site also points out possible risk factors, such as the type of easement, location in a flood zone and others that you should be careful of.
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When scrolling, the portal will also provide possible varianty, in which it compares the closest product to the intended purpose, thereby expanding the user's options. For example, in the case of land loan that is, it places a separate mortgage for a building plot next to the one combining it with a mortgage for the construction of a house. Furthermore, the visitor is offered free assistance from a mortgage advisor and a unique solution, thanks to which a contract can be concluded from the comfort of the sofa through mortgage banking, without the need to make repeated visits to branches. This also includes monitoring developments and providing information on refinancing options.ancThe palette is closed by a list of frequently asked questions, again together with links to related articles on the website.
Insurance
While we come across certain types of insurance quite often, because, let's say, no driver can avoid liability insurance, it is often the case with others that they do not come to the center of our attention to such an extent and their importance is often underestimated. This applies, for example, to liability insurance or accident insurance. In this regard, the offer of the banky.cz portal includes all the most common types, which includes, in addition to the mentioned accident insurance, property, household, animal, travel or life insurance, for which the menu is again supplemented with some important terms.
The introduction of each page dedicated to the individual purposes of insurance familiarizes the user with what it is used for and what it covers. There are also very comprehensible calculators or contact forms available, through which you can get a free and non-binding overview of the most advantageous offers in no time.
If we take accident insurance as an example, the calculator here is equipped with explanations that are displayed when you hover over the "i" icon at the end of the fields. For selected data, these also contain visual previews of a "small data sheet" guiding the user where to look for specific data that needs to be filled. Unlike many competing websites, this greatly simplifies and speeds up the entire process.
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Beneath the calculator is typographically excellently arranged information naming the advantages and disadvantages of accident insurance, dealing with when and how the insurance can be canceled and answering a number of questions such as: how to determine a suitable insurance amount or what additional services to use and many others. Thanks to the very good layout typical of the entire content of the portal, it is easy to find exactly the information that interests a person at the moment, and the visitor does not feel overwhelmed. If you have a question that is not among those already answered, you can again contact the advice center via the contact form.
Loans
Not only when a washing machine, refrigerator, computer or car breaks down, there may come a time when we turn to financial institutions with a loan application. Banky.cz can serve as a great signpost, thanks to which the user can quickly and efficiently find the necessary facts and can also compare individual offers. The portal menu, which is structurally no different from the already mentioned items, contains varialoans of 100, 150, 200 and 500 thousand CZK or special-purpose and non-special-purpose loans.
If we focus on the first one in the sequence, i.e. a loan of CZK 150, in the introduction we can find a brief description together with the most common cases of use, such as household equipment, small-scale apartment renovation or perhaps modifications around the house. Then, by entering the amount and repayment period, you can quickly calculate to what extent your personal budget will be burdened, get an idea of the possibilities and possibly adapt the scope of the planned project or alternative goods to it. Furthermore, we learn through the guide what are the varianty loans for 150 CZK and what to avoid when choosing one, how to choose the most advantageous offer through a loan comparator, without forgetting aspects such as fees for early repayment, the possibility of deferring payments or penalties for late payment, all followed by an explanation of the parameters that need to be included in the calculation for comparison.
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There is also some practical advice, such as what documents to prepare for a loan application or what the loan process depends on.ance to obtain funds. All that remains is to choose from more than 30 regularly updated products to compare, and you can sort them in ascending or descending order by APR, installment or maxminimum loan amount. In addition, the entire matter can be resolved online via banky.cz. The site concludes with inspiring articles on the topic of loans and answers to related questions.
Cards
Credit cards have their supporters and staunch opponents, this can be perceived in different ways, but although there are certain pitfalls associated with their use that need to be taken into account, the advantages usually outweigh them, especially if you travel often, as evidenced by their prevalence among users. Banky.cz compares 26 products of this type with the possibility of ascending and descending sorting according to the costs of card management, interest, miniThis way, you can get a good idea and easily choose a card with the parameters that best suit your needs.
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As part of the detailed information on the overview and comparison of credit cards, the portal characterizes the product as "an interest-free loan that you always have with you". If a person uses it correctly, to which the page devotes a separate paragraph in addition to the principle of the product itself and specific advantages, such a designation is appropriate. Here, too, the portal enriches the topic with a selection of articles and answered questions from the counseling center. Banky.cz does not avoid the pitfalls of credit cards either, mentioning all the pros and cons in a separate article.
Accounts
Few people today can do without an account. A comparison of ordinary, student, children's or seniors' together with premium, foreign currency, guaranteed and protected will certainly be appreciated by many.
In the case of a current account, the portal compares 35 products, which can be ranked up and down according to several criteria, such as the cost of maintaining the account, withdrawal from a foreign ATM, the possibility of immediate payment or the fee for outgoing payment to a foreign bank via internet banking. The calculator is followed by more detailed information about the comparison, general characteristics and several reasons why to open a current account at all. Further browsing of the user will lead to probably the most interesting paragraph, which advises on which indicators it is appropriate to assess the current account and then choose the best one on that basis. All this is supplemented with useful information about incoming and outgoing payments, as well as options for setting up an online account or how to proceed if you need to cancel the account.
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Before the final enumeration of questions to the banky.cz advice center, they name advantages and disadvantages, for which they directly lead to solutions through links. In practice, we can find a link to the offer of those savings accounts, with the help of which free funds can be evaluated, right at the mention of zero interest on most current accounts.
Saving
A separate section of the website is devoted to savings, which, in addition to the mentioned savings accounts, also includes time deposits, pension and construction savings.
If we focus on building savings for the sake of an idea, a short description will open before us, followed by a clearly designed calculator, through which we can quickly familiarize ourselves with the options and compare the offers of major entities such as Česká spořitelna, Raiffeisen stavební spořitelna, Modrá pyramida, Monethe Building Savings Bank or ČSOB Building Savings Bank with regard to savings interest, annual management fee, negotiation costs or the possibility of monitoring developments via internet banking.
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Furthermore, banky.cz addresses the essence and conditions of building savings and does not forget to mention its advantages and disadvantages. This time too, the portal does not omit the instructions that direct the user to the key criteria on the basis of which he can decide on the most ideal variantu and at the same time to find your way around individual savings banks. Nakonec page answers the question of what the saved funds can be used for, which is also supplemented by the advice center's answers to related questions.
Overview of banks, insurance companies and other useful information
In addition to the already mentioned number of articles, a dictionary and a link to the counseling center, banky.cz also provides overview of banks, credit unions and entities that offer non-bank loans. By selecting a region, city and institution or conveniently allowing access to location services, it is also possible to search for branches, ATMs and deposit machines in the vicinity or view a list ofs penlife funds along with key information about how they work or how they differ.
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Our closest neighbors are not neglected either, which is why an overview of banks in Slovakia is also available. The processing of insurance companies operating with us is similar to that of banks, and clicking on any of them will display its brief description.
Finally
Among the biggest advantages of the portal, in addition to the breadth of content, is undoubtedly its clarity, elaborate menu that immediately links to related articles and other information, a dictionary and, of course, calculators, which can also be found on other websites, but not in one place and to such an extent. Therefore, if you are dealing with any financial matter, banka.cz can be a great partner to turn to with its offer and services, including an online consultation, not only when you are looking for information and trying to find your way around.
