Since 1993, Czechia has used crowns, a currency that works brilliantly here and pretty much nowhere else. If you’re planning to set up a life here, between cross-border rules, unfamiliar systems, and local red tape, your financial life can easily turn into a game of “guess the exchange rate."

Oftentimes the country feels like it runs on an economic rulebook written during the Austro-Hungarian Empire, but more progressive services exist to help you buy property, optimize your tax situation, relocate without braking the bank or make smarter investment choices. Getting advice that fits both the local landscape and your personal needs is key, so enlist the help of an advisor or agency to cut through the noise. Here are a few Czech-based professionals who make financial decisions much easier to manage.

Property investments from start to finish (even from abroad)

Navigating the moving process from abroad isn't easy, but Chytrá Nemovitost makes buying property in Prague a breeze. The property investment platform handles everything – finding the right flat, checking legal paperwork, sorting financing, managing renovations, and renting it out with guaranteed income. This full-service setup is designed to remove stress and reduce risk. If you want to invest in Czech real estate without taking on a second job, this is worth looking into.

Cross-border financial planning

Expat in Czechia? Welcome to the world of double tax codes, shifting exchange rates, and fine print you didn’t know existed. Aisa International provides transparent financial planning for expats from these regions (and more) who are navigating life in Czechia. Services cover pensions, investments, and insurance with advice tailored to cross-border rules and tax systems. The firm is fully regulated and works without commissions, so recommendations aren’t tied to product sales. With a focus on transparency and ethical planning, Aisa helps expats make smart, conflict-free decisions across multiple financial systems.

Rent-to-own housing assistance

You're saving up for your dream home, but still need a place to live. Thanks to Mooy’s rent-to-own housing model, you can do both comfortably from the same place. They offer a practical way to work toward homeownership in Czechia without needing immediate mortgage approval. The concept is simple: move into a flat now, pay rent, and gradually work toward buying it later. It’s especially useful for expats still sorting out residency or income documentation. If you’re struggling with mortgage access but don’t want to miss out on the right home, this option could open the door.

Exchange rate, stock, and commodity insights

For anyone wanting up-to-date economic data and guidance on Czech taxation, Kurzy.cz is a handy tool to make sense of the local financial landscape. The company is one of the largest Czech financial portals, offering clear info on exchange rates, cryptocurrencies, stocks, and indices – all with easy-to-read graphs. The site also provides access to the company register, letting users check details about employers, leadership, and business connections.

Multi-lingual loan services and investment advice

From mortgage hurdles to baffling insurance terms, managing money in Czechia takes more than Google Translate. That's where Petra Červeňáková comes in, a Prague-based financial consultant helping expats and locals manage mortgages, loans, insurance, and investments across Czechia. Her focus on housing finance means mortgage approvals often happen fast – sometimes within a week. She reviews contracts, finds savings, and builds custom financial plans based on real goals. With corporate banking experience and flexible meeting options, Červeňáková offers support in English, German, and Spanish, online or in person.

Accounting and tax services

Need help with bookkeeping, payroll, VAT, and tax filings? HJ Taxes, a Prague-based consultancy, caters to individuals, freelancers, and companies. Services also include business registration, trade license assistance, and handling communication with Czech authorities. With more than 15 years of experience, the team emphasizes clear communication, digital tools, and flexibility. This personalized support combines local expertise with a client-first approach, helping expats navigate tax and accounting challenges smoothly and confidently.

Venture capital opportunities through networking

If you want great investments and great contacts, finding a place where they intersect is key. Venture Club is an investment and social club that connects around 280 members, from seasoned investors to newcomers, through an online platform run by its venture capital arm, Venture Club Invest s.r.o. The group sources, organizes, and co-manages investments while also hosting educational programs and networking events. Since launching in 2016, members have invested over CZK 781 million, with more than CZK 160 million in 2024 alone. New investors are welcome to join.

Mortgage protection insurance

Xpats is an insurance broker that helps expats in Czechia find the kind of coverage locals don’t always consider. The Prague-based company’s mortgage protection insurance is a lifesaver – literally. If you get seriously ill, injured, or worse, it helps pay off your mortgage so your loved ones aren’t left scrambling. No legal maze, no scary paperwork, just a simple safety net that kicks in when life doesn’t go to plan.

Prepared by the team from the foreign office CzechTrade Egypt.
Source: https://www.expats.cz/czech-news/article/8-financial-services-every-expat-in-czechia-needs-mortgages-taxes-insurance