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Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only.

Finance & Payments

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hlidac_compare_savings Read-only

Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions. Examples: - "Kam dát 800 000 Kč na spořicí účet?" -> amount=800000 - "Nejvyšší úrok bez podmínek pro 1 milion" -> amount=1000000, no_conditions=true Use hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.

amountinteger, required

Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000

limitinteger

How many accounts to return, best first

no_conditionsboolean

Only accounts with no conditions at all (spořicí účet bez podmínek)

without_new_moneyboolean

Exclude offers only for new money moved from another bank (bez nových peněz)

include_investmentboolean

Count the higher rate some banks pay with a regular investment

without_card_paymentsboolean

Exclude accounts that require card payments (bez placení kartou)

without_income_requirementboolean

Exclude accounts that require a regular income (bez požadavku na příjem)

Try it

Call this server's tools from your browser. Nothing to install.

https://hlidacsporeni.cz/mcp

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

hlidac_compare_savings Read-only

amountinteger, required

Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000

limitinteger

How many accounts to return, best first

no_conditionsboolean

Only accounts with no conditions at all (spořicí účet bez podmínek)

without_new_moneyboolean

Exclude offers only for new money moved from another bank (bez nových peněz)

include_investmentboolean

Count the higher rate some banks pay with a regular investment

without_card_paymentsboolean

Exclude accounts that require card payments (bez placení kartou)

without_income_requirementboolean

Exclude accounts that require a regular income (bez požadavku na příjem)

Tools (4)

hlidac_compare_savings

read-only

Argument	Type	Description
limit	integer	How many accounts to return, best first
amount*	integer	Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000
no_conditions	boolean	Only accounts with no conditions at all (spořicí účet bez podmínek)
without_new_money	boolean	Exclude offers only for new money moved from another bank (bez nových peněz)
include_investment	boolean	Count the higher rate some banks pay with a regular investment
without_card_payments	boolean	Exclude accounts that require card payments (bez placení kartou)
without_income_requirement	boolean	Exclude accounts that require a regular income (bez požadavku na příjem)

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "amount"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 5,
      "maximum": 20,
      "minimum": 1,
      "description": "How many accounts to return, best first"
    },
    "amount": {
      "type": "integer",
      "maximum": 10000000,
      "minimum": 1000,
      "description": "Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000"
    },
    "no_conditions": {
      "type": "boolean",
      "default": false,
      "description": "Only accounts with no conditions at all (spořicí účet bez podmínek)"
    },
    "without_new_money": {
      "type": "boolean",
      "default": false,
      "description": "Exclude offers only for new money moved from another bank (bez nových peněz)"
    },
    "include_investment": {
      "type": "boolean",
      "default": false,
      "description": "Count the higher rate some banks pay with a regular investment"
    },
    "without_card_payments": {
      "type": "boolean",
      "default": false,
      "description": "Exclude accounts that require card payments (bez placení kartou)"
    },
    "without_income_requirement": {
      "type": "boolean",
      "default": false,
      "description": "Exclude accounts that require a regular income (bez požadavku na příjem)"
    }
  },
  "additionalProperties": false
}

hlidac_compare_term_deposits

Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits. Examples: - "Nejlepší termínovaný vklad na rok pro 200 000" -> amount=200000, term_months=12 - "Vklad na 3 měsíce, jsem nový klient" -> term_months=3, client='new'

read-only

Argument	Type	Description
limit	integer	How many offers to return, best first
amount*	integer	Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000
client	string	'new' also counts offers only for a bank's new clients (noví klienti)
term_months*	integer	Term in months (délka vkladu): 1, 3, 6, 12, 24, 36, 60 …
include_promotions	boolean	Count time-limited promotions (akce)
need_early_withdrawal	boolean	Only banks where an early withdrawal (předčasný výběr) is possible without asking the bank

hlidac_get_product

Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.

read-only

Argument	Type	Description
product_id*	string	Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad)

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "product_id"
  ],
  "properties": {
    "product_id": {
      "type": "string",
      "pattern": "^[a-z0-9-]{2,40}$",
      "description": "Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad)"
    }
  },
  "additionalProperties": false
}

hlidac_plan_allocation

Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit. Example: "Mám 6 milionů, jak je rozložit, aby byly pojištěné?" -> amount=6000000, max_banks=3

read-only

Argument	Type	Description
amount*	integer	Total to place in CZK, e.g. 6000000
eur_czk	number	EUR/CZK rate for the 100 000 EUR insurance limit; default: today's ČNB rate
max_banks	integer	At most this many banks
can_invest	boolean	The client will invest regularly where it raises the rate
has_income	boolean	The client can route a regular income to the bank (příjem)
can_pay_by_card	boolean	The client will meet card payment conditions (platby kartou)
can_bring_new_money	boolean	The money is new to the bank, moved from another bank (nové peníze)