Fio banka, a.s. products, services and reviews

About Fio banka, a.s.

Fio banka, a.s. is a Czech retail and business bank headquartered in Prague and part of the Fio financial group, which also includes brokerage services and RM-SYSTÉM, the Czech stock exchange. The bank focuses on current and savings accounts in CZK and major foreign currencies, domestic and international payment services, and access to securities trading via its e-broker platform on Czech and selected foreign markets. Accounts are available to individuals and businesses, with online and mobile banking, strong customer authentication and 3D Secure for card payments, and support for SEPA transfers in EUR alongside SWIFT payments for other currencies. It provides multicurrency accounts, foreign exchange within online banking, and standard instruments such as term deposits, overdrafts, and mortgages; corporate clients can use payment and cash management services, including an API for automated statement retrieval and payment initiation under PSD2. In the Czech Republic, client deposits are protected by the statutory deposit insurance scheme up to the equivalent of EUR 100,000 per depositor, and the bank is supervised by the Czech National Bank. Fio banka operates a branch and ATM network in the Czech Republic and provides cross-border services through its Slovak branch; card payments and cash withdrawals are supported domestically and abroad, with fees dependent on the channel and currency. Securities customers can open investment accounts with custody and corporate action handling through the group’s brokerage arm. International transfers use the BIC FIOBCZPP and Czech domestic payments use bank code 2010; Czech IBANs follow the CZ format. Pricing, interest rates, limits, and eligibility criteria vary by product and are subject to change; prospective clients should review the current fee schedules and terms published by the bank.