Fio banka review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fio banka suits Czech customers who want savings, a current account and investments from the same bank, paying a 3.5% variable rate on savings with a CZK 0 monthly fee. The catch is access: money moves only to a single external account, and support runs on email and help centre.
Key facts
- Best for
- Easy access savings in Czech crowns with no monthly charge.
- Headline rate
- 3.5%↗
- Rate type
- Variable↗
- Term
- 6 to 96 months↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- No notice period; funds may be transferred only to one external account, which can be changed free of charge↗
- Monthly fee
- CZK 0↗
- Account kind
- Easy access↗
- Legal entity
- Fio banka, a.s.↗
- Headquarters
- Czechia↗
- Founded
- 1993↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- fio.cz
Loans
- APR
- 8.28%↗
- Loan amount
- CZK 10,000 to CZK 6,000,000↗
- Arrangement fee
- 0 Kc (no fees besides interest)↗
- Credit check
- Hard↗
- Funding time
- Applied for online in Internetbanking or Smartbanking, assessed within moments↗
- Representative example
- Loan 100,000 CZK, 5 years, monthly annuity instalment 2,026.69 CZK, fixed rate 7.98% p.a., RPSN 8.28% p.a., total payable 121,600.81 CZK↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Existing Fio current account in Czech crowns for consumers, regular income paid to the account, clean credit history↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Credit-line, Business, Secured↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
- Features
- Demo account, Mobile app
Debit cards
Brokers
Pros and cons
Pros
- The savings account pays a 3.5% headline rate and takes a CZK 0 monthly fee, so the balance grows without an account charge.
- No notice period on the balance, and withdrawals reach a single external account that can be changed free of charge.
- Lending sits on the same relationship: personal, credit line and business with an origination fee of 0 Kc (no fees besides interest) and free early repayment.
Cons
- Access is narrow: funds can be transferred only to a single external account, which can be changed free of charge.
- Support runs on email and help centre only, which is thin for anyone who wants to pick up a phone.
- The headline rate is variable, so the return can move with the market, and it ranks 189 of 488 brands on rate.
Who it suits
- Czech households paid in Czech crowns who want a savings balance and a current account with no monthly charge.
- Students and younger customers, the stated audience for the personal current account, with a debit card on visa.
- Customers who keep regular income at the bank and want a loan or a mortgage on the same relationship.
Who should look elsewhere
- Savers who want a fixed rate for a set period, since Finteres runs a term range of 0% to 36% against this account's variable rate.
- Euro earners outside the Czech Republic, where Wise pays 3.29% on its interest product and Fio's own credit products serve customers paid in Czech crowns.
Deposit protection
Deposits sit under the EU deposit guarantee scheme to EU DGS up to EUR 100,000. Fio banka, a.s. is supervised by the Czech National Bank, so the cover comes from the same EU framework as other member state banks. On an easy access account, that protection is a backstop for cash kept there rather than a reason to lock funds away.
How Fio banka compares
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Where Fio banka is available
- Available
- Czechia
- Licence in Czechia
- Czech National Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the savings account pay?+
The savings account pays a headline rate of 3.5% and the rate type is variable, so the figure moves with the market rather than being locked for a term. The account kind is easy access, which means the balance is reachable at any point with no notice period to serve.
What does it cost to keep money there?+
The savings account charges a monthly fee of CZK 0, and the personal current account fee is CZK 0, so holding cash in crowns costs nothing in account charges. On the lending side the origination fee is 0 Kc (no fees besides interest), and early repayment is free as well.
Is my money protected?+
Deposits are covered to EU DGS up to EUR 100,000 under the EU deposit guarantee scheme, and the bank is supervised by the Czech National Bank as a Czech licensed institution. Because the account is built for easy access, the cover applies to whatever cash is sitting in the account at any time.
How do I get money in and out?+
There is no notice period on the savings balance, and money can be transferred to a single external account that you can change free of charge. Spending runs on a debit card on the visa network, and the current account holds 14 currencies for anyone paid in several of them.
Which apps can I use to manage it?+
Banking runs through e Broker, Internetbanking and Smartbanking, and a mobile app is listed among the account features alongside a demo account, so the setup can be tried before any money moves. The investment side uses the e-Broker platform within the same banking arrangement, keeping shares, funds and bonds behind a single login.
Can I borrow from the same bank?+
The bank lends direct with personal, credit line and business for amounts of CZK 10,000 to CZK 6,000,000 over terms of 6 to 96, and the representative example works out at 8.28%. Applications are made in Internetbanking or Smartbanking and assessed within moments, while early repayment is free. Applicants must already bank with Fio in Czech crowns and pass a credit assessment.
How do I reach help if something goes wrong?+
Support runs on email and help centre, so email and a help centre are the listed ways to reach the bank. That suits customers comfortable with self service through Internetbanking, Smartbanking or the mobile app, and less so for anyone who prefers to pick up a phone.
Sources
- fio.cz checked September 26, 2026
Backs: Account fee, Features, Markets, Platforms, Product fee
“Poskytuje ucty bez poplatku - e-Broker default personal account”
- fio.cz/bankovni-sluzby/bankovni-ucty/osobni-ucet checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Currencies
“Neomezené výběry zdarma z libovolného bankomatu v ČR i zahraničí s kartou Visa - Fio osobní účet”
- fio.cz/bankovni-sluzby/sporeni checked September 26, 2026
Backs: Rate type
“Fio konto is a special savings account with no notice period (contrasted with term deposits bound for a set period)”
- fio.cz/bankovni-sluzby/sporeni/sporici-ucet-fio-konto checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee
“Financial funds can be transferred only to one external account, which can be changed electronically free of charge”
- fio.cz/bankovni-sluzby/uvery/hypoteky checked September 26, 2026
Backs: Fixed period, Initial rate, Lender type, Maximum loan to value, Purpose, Use cases
“Hypoteky poskytujeme obcanum CR, cizincum-obcanum EHP, kteri maji alespon prechodny pobyt v CR”
- fio.cz/bankovni-sluzby/uvery/pujcky checked September 26, 2026
Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Term
“pevna urokova sazba cini 7,98 % p.a., RPSN 8,28 % p. a.”
- fio.cz/o-nas/dokumenty-ceniky/ceniky-sazebniky checked September 26, 2026
Backs: Support channels
“Infomail: fio@fio.cz; Frequently asked questions (FAQ) linked in site navigation”
- fio.cz/o-nas/fio-banka checked September 26, 2026
Backs: Founded, Headquarters
“This group has operated on the Czech market since 1993”
- fio.cz/spolecnost-fio/manualy-dokumenty-ceniky/ostatni/pr... checked September 26, 2026
Backs: Deposit protection, Legal entity, Licences
“Fio banka, a.s. - bank and securities dealer holding a valid Czech National Bank licence”
- www1.fio.cz/bank-services/bank-accounts/current-account checked September 26, 2026
Backs: Card type, Card network
“Contactless payment card Mastercard or Visa - free - Fio current account”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit.