Savings Rates Tick Up in October 2025,Competition heats Up
Prague,Czech Republic – October 7,2025,21:23 CEST – Czech savers are finding slightly more favorable terms as October 2025 unfolds,with interest rates on savings accounts and term deposits experiencing modest increases. While top rates remain competitive, a wave of special offers is adding further incentive for consumers too maximize their returns.
The shift comes as financial institutions vie for deposits, responding to evolving market conditions and a continued demand for secure savings options. Thes changes primarily affect individuals and families seeking to grow their wealth through low-risk instruments, with potential gains ranging from a few crowns to substantial sums depending on deposit size and duration. Experts predict continued rate adjustments as the economic landscape shifts, making regular comparison shopping crucial for savers.
According to data compiled from mesec.cz as of today, October 7, 2025, the highest annual percentage yield (p.a.) available on savings accounts without investment conditions currently stands at 4.25% offered by Artesa, Savings Cooperative. Other leading rates include 4.06% from Partners Bank and 4.01% from mBank. Several institutions offer rates of 3% or slightly above, including Raiffeisenbank at 4%, General Credit Bank at 3.60%, and TRINITY BANK at 3.58%.
For those considering term deposits, Artesa, Savings Cooperative again leads with a 4% p.a. rate. J&T banka offers 3.50%, while MONETA Bank provides 3.40%. Banka CREDITS appears on both the savings account and term deposit lists, offering 3% in each category.
Traditional savings books, though, continue to offer significantly lower returns, with a maximum rate of 0.50% p.a. currently available. Savers are encouraged to explore the comparative tools available at mesec.cz to identify the most advantageous options based on their individual financial goals and risk tolerance.
