Česká spořitelna Reviews 

Over the past few weeks, my experience with Česká spořitelna has been absolutely absurd. The bank has repeatedly blocked completely ordinary payments of around CZK 6,000, restricted access to my account, and then forced me to visit a branch in person, where I am subjected to so many questions that I almost expect them to ask for my grandmother's birth identification number.

It is 2026, yet this bank's approach feels like a return to the 1990s. Instead of modern and efficient banking, customers are faced with unnecessary bureaucracy, complications, and restrictions on accessing their own money.

In my opinion, branch employees are largely constrained by internal policies and decisions made by the bank's management. Therefore, I do not see this as merely an issue with individual employees, but rather as a fundamental problem with Česká spořitelna's overall policies and attitude towards its customers.

I understand the need for security measures, but there is a fundamental difference between protecting customers and constantly restricting them. A bank should make its customers' lives easier, not make it unnecessarily difficult for them to access their own finances.

For me, this has been a huge disappointment and an approach that simply has no place in modern banking in 2026.

dlouhodobě užívám služby této banky, nedávno mě ale zklamali, protože jsem si zadal platbu na svůj zahraniční účet kvůli nákupu nemovitosti a banka mi platbu opakovaně zablokovala, což způsobilo komplikace s procesem nákupu, doufam ze s tím něco udelaji

Chci se podělit o velmi špatnou zkušenost s fungováním České spořitelny. Jsem jejich dlouholetá klientka – pamatuje ještě doby ikonického Sporožíra, kdy banka relativně fungovala a vážila si lidí. Bohužel, z dříve stabilní instituce se pro mě stala ukázka toho, jak by moderní služba rozhodně vypadat neměla.
​Hlavní důvody mé nespokojenosti:
​Předražené poplatky, selhání bankéře a dvojí metr: Do banky chodím minimálně, ale když jsem tam loni dvakrát byla, bankéř mi aktivně nabízel kompletně všechno – nový účet, spoření i pojistku. Upozornit mě na nesmyslný poplatek za SMS zprávy (3,50 Kč za zprávu!), který takto nevědomky platím už dva roky, ale „zapomněl“. Prodej jim jde, férovost ne. Korunu tomu nasadili při řešení reklamace: první platbu mi bez problému vyreklamovali a vrátili, ale druhou už ne! Jak je možné, že jednou chyba na jejich straně uznána je a podruhé u úplně té samé věci ne?
​Neustálé noční odstávky: Je pro mě nepochopitelné, jak v dnešní době může mít banka běžně v noci i 4hodinové odstávky bankovnictví. Pokud člověk potřebuje v noci zaplatit nebo zkontrolovat účet, má jednoduše smůlu.
​Arogance a neochota na klientské lince: Kdykoliv potřebuji cokoliv vyřešit přes zákaznickou linku, narazím na neochotný personál. Je smutné, že vám dnes běžná AI odpoví rychleji, přesněji a slušněji než živý pracovník na podporové lince ČS.
​Česká spořitelna se prezentuje jako banka pro lidi, ale realita je taková, že dlouholetou klientku spíše obírá na poplatcích, u reklamací měří dvojím meřítkem a servíruje nefunkční systém v noci.
​Doba pokročila a tohle už nehodlám tolerovat. Velké zklamání a silný impuls k definitivnímu odchodu ke konkurenci.

dlouhodobě velmi spokojen s poskytovanými službami, jednáním a celkově win-win

The worst bank ever. Insanely difficult to open acconut (very complicated and long-lasting process), and impossible process to later close the mentioned account from abroad.

Excellent support and a fair resolution
Recently, I paid for a membership on a platform offering AI video creation tools. I work professionally with AI-generated video and have substantial experience in this field, so I was able to recognise quite quickly that the service did not perform as advertised and did not provide what had been promised as part of the paid membership.
Unfortunately, the company behind the platform was not very responsive and was unwilling to issue a refund. Since the payment had been made through my account with Česká spořitelna, I contacted the bank and asked for their help.
I have to say that Česká spořitelna handled the case very carefully, responsibly and professionally. They took my complaint seriously, investigated the matter thoroughly and kept working on it until the situation was successfully resolved. In the end, the money was returned to me.
At least in my case, Česká spořitelna proved that they genuinely care about their clients and are willing to stand up for them when something goes wrong. I am very grateful that the matter was resolved fairly and that I was able to obtain justice.

The worse in customer service, time keeping, communication, charges etc. Stay away!!!!!

Terrible bank, 20 years behind with technology compared to banks like Revolut. They charge you for sending money between your Csas accounts, you cant close account via phone/ app. Save your time and money and open an account elsewhere. 👎

It used to be better.
Mají nízké uroky, které stále snižují, mají bizarní poplatky - například za to, že vám posílají sms, nejde to vypnout..

The bank employees at the agency are poorly informed and do not know how to communicate in English. On two occasions, the same bank employee made a mistake, both with the insurance for my apartment and with the insurance for my dog. The first time she put the wrong address, so I am the entire year without a insurance I paid for, and the second time, even though I had paid for the insurance for my dog, the insurance was not processed. I was informed of the mistake months later. I think this has been my worst experience with a bank.

klienstky nedobra banka, nejhorsi hned po monete... pritom maji v nazvu česká aby to nalakalo duveryhodny lidi prevazne u nich jsou uz jen duchodci ze setrvacnosti

A very confusing description of insurance products, which make them difficult to compare. I actually think its done that way by design, so that you then contact one of their advisors who then explains to you how much you need the most expensive one :-( But myself Im much more of a do-it-yourself person, so it'd be nice if they realised that the times when we could not google and rank ourself are long over, so they just make it more difficult and annoy their potential customers.

Aplikace fajn, přístup zaměstnanců super, ale stupidní poplatky fakt za vše. Oproti jiným bankám proto 4 z 5.