Personal account interest rates

The interest rates are valid as of 1 January 2023.

Sight deposits on personal account

Type of personal account Annual interest rate (In EUR) Annual interest rate (other currencies)
Package and Personal account 0,01 % 0,00 %

Overdraft on personal account


Type of package or personal account

Annual interest rate
MOJ S package 7,90 %
MOJ M package 7,90 %
MOJ L package 7,90 %
Youngsters package 7,90 %
ISIC package 7,90 %
Prestige personal account* 7,70 %
Gold personal account* 7,85 %
Standard personal account* 7,90 %
Pension personal account* 7,90 %

* Accounts are not in regular offer any more

Sample calculation of effective balance overdraft interest rate

 

Unauthorized overdraft of positive balance on personal account

(legal default interest rate)

Type of personal account Annual interest rate
All personal accounts 10,50 %

Personal account interest rates