hlidac_compare_savings
Compare Czech savings accounts
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.
输入参数limitamount必填no_conditionswithout_new_moneyinclude_investmentwithout_card_paymentswithout_income_requirement
hlidac_compare_term_deposits
Compare Czech 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'
输入参数limitamount必填clientterm_months必填include_promotionsneed_early_withdrawal
hlidac_get_product
Get one savings account or term deposit
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.
输入参数product_id必填
hlidac_plan_allocation
Split savings across banks within deposit insurance
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
输入参数amount必填eur_czkmax_bankscan_investhas_incomecan_pay_by_cardcan_bring_new_money
