Good Credit is a trademark of Good Finance Bank. Good Credit was founded in 1991 as an independent bank. In 1995 it was taken over by the Investment and Agree bank. In 2000, Good Credit became part of the Good Finance group owned by the Belgian Bank
A personal basic account with Good Credit
The basic personal account offered by Good Credit declares free incoming payments within the Czech Republic. A debit card is provided free of charge
The account can be conveniently controlled via the Internet or mobile phone via Smart banking An overdraft is also offered.
Account maintenance is charged USD 25 per month and USD 5 is charged for outgoing payments. Withdrawal of cash by debit card from Good Finance ATM and Good Credit in the Czech Republic is USD 5. There is a fee of 40 USD from another ATM in the Czech Republic.
Postal account of
A mail account is a personal bank account that offers many benefits, unlike a Base Account. Your mail account offers free account management if you receive regular income over $ 500. Children and students under 26 years of age also have a free account. There are also 2 contactless cards free of charge.
The mail account is also free for 3 years for persons on maternity and parental leave. Persons over 58 years of age and disabled have it for free when sending income 5 000 USD per month.
Unlimited cash withdrawals from our ATMs and once a month at the post office. Outgoing payments made via Internet banking or Smart banking within the Czech Republic are also free of charge.
Overdraft loan with Good Credit
The overdraft can be arranged upon opening a personal account or additionally. Up to USD 250,000 is available
There is no overdraft management fee, it is kept free of charge. Also, changing the credit limit is free. The interest rate on the loan is 17.90%.
Good Credit offers for the first 6 months without interest. Management of Credit is free of charge at a cost of USD 3,000 per month. When using the money, the client has up to 55 days to return without interest.
Good Credit offers its clients a Postal Loan, which will arrive at their account within 15 minutes of the arrangement. The arrangement, maintenance, and change of installments are free of charge.
The postal loan is at an interest rate of 4.9% and the APR is at 5%. Credit management is free. Repayments can be reduced, increased and deferred, and the loan can be repaid early at any time free of charge.
The loan is offered from USD 20,000 to USD 800,000. The repayment period is from 1 year to 8 years. The loan does not need to secure real estate.
Postal loan for housing
Postal housing loan is offered from USD 70,000 to USD 1,000,000 with an interest rate of 4.9% pa and APR from 5%. The loan can be used for a new apartment, house, and reconstruction. 20% of the home loan can be used for anything. The arrangement and maintenance of the loan are free.
The repayment period is from 1 year to 12 years. The loan can be arranged online, by phone or at a branch.
For the clients of Good Credit, an identity card is required to arrange it.
And if the applicant is not a client of Good Credit or does not send a payout to Good Credit’s account, it is necessary to prove:
- Employees – Receipt and Statement of Account
- Entrepreneurs – tax return for the last tax period
- Seniors – decision to grant a pension and the last coupon slip or account statement