The Czech banking association (CBA) suggested on 12.3.2020 all banks to allow 3 months of postponed repayments for all types of loans for those in needs (incl. small businesses and the self employed) in order to prevent defaulting in the future. This is in terms of a recommendation, not forcing the banks to do so, however many banks have already expressed their consent.

Two things which are very important to mention:

1. The postponement is in the debt registry seen as a default so it will have a negative impact on future lending possibilities – CBA is advising for an exception – whether banks will accept is not known yet so consider applying only if it is necessary.
2. Not everybody is eligible for the postponement. It should only be used by those whose income has been reduced due to the current situation and will have problems with their repayment.

Below we bring you a summary of the banks we cooperate with and how they reacted, including valuable links and contact details.

We will also bring updates as soon as we have any new information.

AirBank

• How to apply: via this link: https://www.airbank.cz/zadost-o-odklad-splatek/
• Information from the bank (CZ): https://www.airbank.cz/co-vas-nejvic-zajima/moznost-mimoradneho-odlozeni-splatek-kvuli-koronaviru/
• Contact details: branches are open only from 10am until 6pm, check here: https://www.airbank.cz/mapa-pobocek-a-bankomatu/nase-pobocky/

Česká spořitelna:

• How to apply: Use this link: https://www.csas.cz/cs/page/odlozeni-splatek
• Information from the bank (CZ): https://www.csas.cz/cs/zpravy-z-banky/2020/03/13-1/stojime-pri-vas-koronavirus
• What are the contact details: phone number 800 207 207 (for the postponement press 1); list of open branches is here (EN) https://www.csas.cz/en/branches-atms

ČSOB

• How to apply: For mortgages: https://www.csob.cz/portal/aktualni-informace/spolehnete-se/odklad-splatek-hypoteky?il1=ostatni__corona-web-20-3-2020_odklad-splatek-hypoteka For loans: https://www.csob.cz/portal/aktualni-informace/spolehnete-se/odklad-splatek?il1=ostatni__corona-web-20-3-2020_odklad-splatek
• Information from the bank (CZ): https://www.csob.cz/portal/aktualni-informace/spolehnete-se
• Contact details: branches are open only from 9am until 4pm with 1h break for during the lunchtime. Check your branch here: https://www.csob.cz/portal/kontakty/pobocky-a-bankomaty

EQUA bank:

• How to apply: Email klientske.centrum@equabank.cz and state your full name, date of birth, specify loan or mortgage and describe your situation
• Information from the bank (CZ): https://www.equabank.cz/pece-a-podpora/aktualni-informace
• Contact details: You can find a list of open branches here (EN) https://www.equabank.cz/en/office-locations (call the branch to double check the opening hours)

FIO bank:

• How to apply: The process is not finalised, more information should be available soon.
• Information from the bank (CZ): https://www.fio.cz/spolecnost-fio/media/aktuality/236439-odklad-splatek
• Contact details: check if your branch is open here: https://www.fio.cz/o-nas/kontakty

Hypoteční banka:

• How to apply (CZ): https://www.hypotecnibanka.cz/formular-odklad-splatek/
• Information from the bank (CZ): https://www.hypotecnibanka.cz/odklad-splatek/
• Contact details (CZ): Appointments only after telephone arrangement, check the availability here https://www.hypotecnibanka.cz/kontakty/pobocky/

Komerční banka:

• How to apply: Use this link (as of today in CZ only): https://www.kb.cz/cs/obcane/pujcky/odlozeni-splatek
• Information from the bank (EN): https://www.kb.cz/en/latest-situation-of-kb
• Contact details: For the postponement use primarily the link above. Phone number for infoline is 800 521 521 (press 4 to speak with representative) List of open branches is here (the limitation is show only in the CZ mutation of the web) https://www.kb.cz/cs/pobocky-a-bankomaty

mBank:

• How to apply (CZ PDF): via your Internet Banking https://www.mbank.cz/informace-k-produktum/dokumenty-ke-stazeni/dokumenty/pravidla-poskytnuti-odkladu-splatek.pdf
• Information from the bank (CZ):
• Contact details (CZ): same link as above

MONETA:

• How to apply (CZ): Download form here: https://www.moneta.cz/odklad-splatek and email to odkladsplatek@moneta.cz
• Information from the bank (CZ): https://www.moneta.cz/covid-19 and https://www.moneta.cz/servis-pro-media/tiskove-zpravy/detail/moneta-pracuje-na-pomoci-klientum-v-aktualni-tizive-situaci
• Contact details (CZ): Same as above https://www.moneta.cz/covid-19 and call the branch to double check availability of banker

Raiffeisen BANK

• How to apply: Use this link (CZ) https://www.rb.cz/osobni/pujcky/odlozeni-splatek
• Information from the bank: https://www.rb.cz/o-nas/ruzne/omezeny-provoz-cc
• Contact details (EN): https://www.rb.cz/en/about-us/contacts/branches-and-atms (call the branch to double check the opening hours) or callcenter 800 900 900

Sberbank

• How to apply: Use this link (CZ) https://www.sberbank.cz/cs-cz/snizeni-splatek – scroll down for the document (“Žádost o změnu splátkového kalendáře”) and email to ecl@sberbankcz.cz
• Information form the bank (CZ): https://www.sberbank.cz/cs-cz/novinky/Sberbank-pomaha-klientum-prekonat-tezke-obdobi
• Contact details: All branches stay open as normally, your applications send to mail ecl@sberbankcz.cz

UniCreditBank

• How to apply: Use this linka (CZ): https://www.unicreditbank.cz/cs/obcane/formulare/odklad-splatek.html?calculator-data=eyJjYWxjdWxhdG9yTmFtZSI6IiIsInBhdGgiOiIvY29udGVudC9jZWUyMDIwLXB3cy1jei9jcy9vc3RhdG5pL21vem5vc3RpLW9ka2xhZHUtc3BsYXRlayJ9
• Information from the bank (EN): https://www.unicreditbank.cz/en/ostatni/covid.html
• Contact details: phone number 800 14 00 14 for appointment with your banker – all branches are open only from 10am until 2pm

Wüstenrot

• How to apply: Via email below.
• Information from the bank (CZ): https://www.wuestenrot.cz/aktualni-informace-k-situaci-zpusobene-koronavirem
• Contact details: email kontakt@wuestenrot.cz or call 800 14 00 14