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Tatra banka review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Tatra banka suits people in Slovakia who want a full service bank, free cash machine withdrawals and a fixed rate term deposit rather than an app only account. The current account costs €7 a month, while deposits sit under EU DGS up to EUR 100,000 and the bank is supervised in Slovakia.

Key facts

Best for
Slovak residents wanting branch banking, free ATM withdrawals and a fixed rate term deposit.
Monthly fee
€7↗
Deposit protection
EU DGS up to EUR 100,000↗
Local account details
IBAN↗
Free ATM withdrawals
€0↗
Transfer fee
Cross-border payment online 8 EUR up to 2,000 EUR, 20 EUR 2,000.01-20,000 EUR, 28 EUR above 20,000 EUR; in branch 10/25/35 EUR; SEPA payment free inside the service package↗
Legal entity
Tatra banka, a.s.↗
Headquarters
Slovakia↗
Founded
1990↗
Support channels
Email, Phone, Chat, Help-centre↗
Audience
Expats, Students, Teens
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
tatrabanka.sk

Savings

Headline rate
1.7% to 2.5%↗
Rate type
Fixed↗
Term
1 to 36 months↗
Access terms
Term bound for the whole term; early withdrawal or cancellation possible in the Tatra banka app or Internet banking, funds transferred to current account↗
Account kind
Fixed↗

Money transfer

Delivery time
SEPA instant payment: same day (D); SEPA payment outside SK: D+1; other foreign payments: D+2↗
Payout methods
Bank↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInXyoutube.comfacebook.cominstagram.com

Pros and cons

Pros

  • Cash machine withdrawals are free, with an allowance of €0
  • Deposits sit under EU DGS up to EUR 100,000 and the bank is supervised by the Narodna banka Slovenska
  • Support runs through email, phone and chat while term deposits pay 1.7% to 2.5% over terms of 1 to 36

Cons

  • The current account charges €7 a month, above the €0 site median
  • The term deposit is bound for the whole term, and cash taken early goes to the current account
  • Cross-border payments cost more in branch than online, while a SEPA payment inside the service package is free

Ready to try Tatra banka?

Scored 8.9 / 10 by VaultCue.

See alternatives

Who it suits

  • Slovak residents who want branch access rather than an app only account
  • Savers content to leave money for the full term at a fixed rate of 1.7% to 2.5%
  • Students, teens and expats who want a local IBAN for salaries and bills

Who should look elsewhere

  • Anyone after a fee free current account, since bunq charges €0 a month
  • Readers sending money abroad often, who may prefer to weigh Pixpay FR at €3.99 a month first
  • Savers who need instant access to their money, who could keep a spendable balance with bunq Spain Bank Account at €0

Safety of your money

Tatra banka is supervised by the Narodna banka Slovenska, so savings sit inside an EU deposit guarantee arrangement rather than a bare payment account. Deposits are covered under EU DGS up to EUR 100,000. The provider is Tatra banka, a.s., and support runs through email, phone and chat if a payment needs checking.

Fees and currency costs

The current account carries a monthly fee of €7, while cash machine withdrawals are free under the allowance of €0. Cross-border payments are charged on a scale that rises with the amount sent, and the same payment costs more in branch. A SEPA payment inside the service package is free, and the site median is €0.

How Tatra banka compares

Where Tatra banka is available

Available
Slovakia
Licence in Slovakia
Narodna banka Slovenska (National Bank of Slovakia), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the everyday account cost each month?+

The everyday account is billed €7 a month, above the €0 monthly fee across the site. Cash machine withdrawals stay free under the allowance of €0, so day to day spending adds little beyond the account fee.

Is my money protected if the bank fails?+

Deposits are covered under EU DGS up to EUR 100,000, the EU deposit guarantee scheme. Tatra banka is supervised by the Narodna banka Slovenska, so savings sit with a supervised bank rather than a payment app.

What rate do term deposits pay, and for how long?+

Term deposits pay 1.7% to 2.5% at a fixed rate over terms of 1 to 36, and the account kind is fixed. That range sits under the 3% savings median on the site.

Can I reach the money before the term ends?+

The term is bound for the whole term, but early withdrawal or cancellation is possible in the Tatra banka app or Internet banking, with funds transferred to the current account. Plan where the cash lands before cancelling.

What does it cost to send money abroad?+

Cross-border payments are charged on a scale that rises with the amount sent, and the same payment costs more in branch. A SEPA payment inside the service package is free, so euro area transfers are the cheaper route.

How fast do international payments arrive?+

A SEPA instant payment arrives the same day, a SEPA payment outside Slovakia arrives the next day, and other foreign payments take longer. Payouts reach the counterparty through a bank account, as bank shows.

Who is the everyday account built for?+

The stated audiences are expats, student and teen, and local details cover iban, so students, teens and expats in Slovakia can receive a local IBAN for salaries and bills. The bank has operated since 1990.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee, Currencies.

Tatra banka

Slovak residents wanting branch banking, free ATM withdrawals and a fixed rate term deposit.

8.9/10See alternatives