Hlídač spoření

Hlídač spoření (hlidacsporeni.cz) compares Czech savings accounts (spořicí účty) and term deposits (termínované vklady) from the banks it tracks, verified every day and published only after a human review of each change.

The connector answers questions such as “Where should I put 800 000 CZK?” or “Best one-year term deposit for 200 000 CZK?” with the same numbers as the website:

• hlidac_compare_savings ranks savings accounts by the effective rate for the WHOLE amount (many banks pay their headline rate only up to a limit), with the net yearly yield after the 15 % withholding tax, conditions (card payments, income, new money) and promotion end dates.
• hlidac_compare_term_deposits ranks term deposits for an amount and term, for new or existing clients, optionally only where early withdrawal is possible.
• hlidac_get_product returns one product in full: rate bands, conditions, deposit insurance, early withdrawal, tax, when it was verified, and the facts we do not have.
• hlidac_plan_allocation splits a large sum across banks so each stays under the 100 000 EUR deposit insurance limit, converted at the day's ČNB rate.

Every result carries the date of the data, a link to the detail page on hlidacsporeni.cz and an attribution. Read-only, no sign-in, no personal data. Informational comparison, not financial advice; terms should be confirmed with the bank.