J&T Banka products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by J&T Banka
J&T Banka
4.2
Czech Republic
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
Baa2
Fitch
-
About J&T Banka
J&T Banka is a joint-stock company registered on October 13, 1992, in the Czech Republic. The bank operates as a Czech financial institution, offering private, investment, corporate, and retail banking products and services. J&T BANKA, as is a Czech bank wholly owned by a Czech company with Slovak owners, J&T FINANCE GROUP SE. Providing banking services to individuals and legal entities, the bank has a branch that operates in Slovakia, Croatia, and Germany, extending its financial services to clients in these regions.
J&T Banka Deposit guarantee scheme participation
J&T Banka participates in the deposit guarantee scheme of Czech Republic which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
J&T Banka Countries of operations
J&T Banka offers their savings products in Czech Republic, Germany, Croatia, Slovakia
Products offered by J&T Banka and interest rates
J&T Banka offers 153 deposits and 15 savings accounts in AUD, CAD, CHF, CZK, EUR, GBP, HUF, PLN, SEK, USD.
J&T Banka offers the following fixed deposits in USD in Croatia, Slovakia, Czech Republic: 0 months deposit - 0.01%; 3 months deposit - 4.75%; 6 months deposit - 4.5%; 12 months deposit - 4.2%; 24 months deposit - 3.5%.
J&T Banka offers the following fixed deposits in SEK in Czech Republic, Slovakia: 3 months deposit - 2.25%; 6 months deposit - 2.25%; 12 months deposit - 2%; 24 months deposit - 1.5%.
J&T Banka offers the following fixed deposits in AUD in Czech Republic, Slovakia: 3 months deposit - 2.5%; 6 months deposit - 2.75%; 12 months deposit - 2.75%; 24 months deposit - 2.75%.
J&T Banka offers the following fixed deposits in GBP in Slovakia, Czech Republic, Croatia: 3 months deposit - 4.75%; 6 months deposit - 4.75%; 12 months deposit - 4.5%; 24 months deposit - 3.5%.
J&T Banka offers the following fixed deposits in CZK in Czech Republic, Slovakia: 0.03 months deposit - 3.5%; 1 months deposit - 3.5%; 3 months deposit - 3.75%; 6 months deposit - 3.25%; 12 months deposit - 3.85%; 24 months deposit - 3.4%; 36 months deposit - 3.6%.
J&T Banka offers the following fixed deposits in CHF in Czech Republic, Slovakia, Croatia: 3 months deposit - 0.5%; 6 months deposit - 0.75%; 12 months deposit - 1.25%; 24 months deposit - 1.25%.
J&T Banka offers the following fixed deposits in EUR in Germany, Czech Republic, Slovakia, Croatia: 0 months deposit - 3.05%; 0.5 months deposit - 3%; 1 months deposit - 3.1%; 3 months deposit - 3.7%; 6 months deposit - 3.2%; 12 months deposit - 4.1%; 24 months deposit - 3.2%; 36 months deposit - 3%.
J&T Banka offers the following fixed deposits in PLN in Slovakia, Czech Republic: 3 months deposit - 5.25%; 6 months deposit - 5.25%; 12 months deposit - 5.25%; 24 months deposit - 5%.
J&T Banka offers the following fixed deposits in CAD in Slovakia, Czech Republic, Croatia: 3 months deposit - 2.5%; 6 months deposit - 2.75%; 12 months deposit - 2.75%; 24 months deposit - 2.5%.
J&T Banka offers the following fixed deposits in HUF in Czech Republic, Slovakia: 3 months deposit - 6.25%; 6 months deposit - 6%; 12 months deposit - 5.5%; 24 months deposit - 5.5%.
Best interest rates in Czech Republic
Fixed deposits offered by J&T Banka
Savings accounts offered by J&T Banka
Loans offered by J&T Banka
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Branches
J&T BANKA, a.s., pobočka zahraničnej banky
jtbanka.skDvořákovo nábrežie 8, 811 02, Bratislava, Slovakia
About J&T banka / J&T direktbank
J&T Direktbank is a German branch of J&T Banka, focused on online savings and investment products. The bank offers competitive interest rates on time deposits, targeting customers who prefer secure, straightforward savings solutions. With a fully digital platform, J&T Direktbank allows clients to manage their accounts and investments online, providing ease and convenience. The bank operates under the broader J&T Finance Group, which has a strong presence in Central and Eastern Europe, ensuring a robust financial backing.
Deposit Protection
Deposits at J&T Direct Bank are protected up to €100,000 per person, applicable to all accounts. This complies with current EU deposit protection regulations and ensures maximum security for the deposited funds.
Transactions are authorized through the SecureGo plus app, providing security and convenience for accessing funds from anywhere at any time.
Credit Rating
J&T Banka holds a Baa2 credit rating from Moody's, which indicates lower-medium-grade creditworthiness with a stable outlook.
Geography of Operations
J&T Banka operates primarily within the Czech Republic and Slovakia but has a broader presence through its investment activities in Central and Eastern Europe. The bank is part of the J&T Finance Group, which has various financial ventures across Europe.
J&T Direktbank operates solely in Germany, providing services through its online platform without any physical branches.
Products and Services
J&T Banka offers a comprehensive range of services, including:
- Private Banking: Personalized financial services and wealth management for high-net-worth clients.
- Investment Banking: Tailored solutions for corporate clients, including advisory and capital markets services.
- Savings and Deposit Products: Time deposits with competitive interest rates.
- Corporate Banking: Credit facilities, cash management, and trade finance for businesses.
J&T Direktbank specializes in savings and investment products, particularly offering high-interest time deposits with flexible terms. The bank also provides fully digital account management, enabling customers to handle their finances entirely online. The focus is on secure savings options, making it an attractive choice for conservative investors.
Open a fixed-term deposit account
J&T Direktbank Customer Reviews
J&T Direktbank customers rate bank services at 3.9 out of 5 at Trustpilot.
J&T Direktbank customers generally appreciate the fast processing of new savings account applications and the smooth video identification process. The online setup, including submitting tax exemption forms, is praised for being paperless and efficient. The banking app is user-friendly, and customers value the monthly interest payouts, benefiting from compound interest.
However, some users have expressed dissatisfaction with the customer service, citing untrained staff and unprofessional support, particularly with telephone inquiries.
Financial Performance
J&T Banka has shown significant financial growth, with a 55.44% increase in net profit and a 24.41% rise in total assets in 2023. The bank remains a key player in the Czech financial market due to its robust investment strategies and high client satisfaction
As part of J&T Banka, J&T Direktbank benefits from the strong financial backing of its parent company, which has shown consistent growth in assets and profitability. Specific financial performance details for J&T Direktbank are not separately disclosed.
Bank identifiers
BIC number
JTBPCZPP
Name
J&T Banka
Country
Czech Republic