Fio banka

Tagline Brand's website · 2026-11-07

Fio banka is a Czech bank combining low-cost internet banking with a broad branch network and online investment services.

Description Brand's website · 2026-11-07

Fio banka, a.s. offers personal and business banking, payment services, savings, loans, cards, digital banking, investment products, securities trading, mutual funds and financial-market information.

Mission Brand's website · 2026-11-07

To provide low-cost banking and investment services through online applications and a broad branch network.

Website Brand's website · 2026-11-07

https://fio.cz

Voice & tone Brand's website · 2026-11-07

Promotional, straightforward and informative, emphasizing simplicity, convenience, innovation and low or zero fees.

Headquarters Brand's website · 2026-11-07

Fio banka, a.s., Na Florenci 2139/2, Nové Město, 110 00 Praha 1, Czech Republic.

Problem solved Brand's website · 2026-11-07

Helps individuals, entrepreneurs and companies manage everyday banking, payments, financing and investments through online tools and branches, with an emphasis on minimizing fees and simplifying access.

Core capabilities Brand's website · 2026-11-07

• Personal and business current accounts
• Domestic, international and SEPA payments
• Payment cards, ATMs and cash services
• Savings and loans, including mortgages and overdrafts
• Internetbanking, Smartbanking and banking API
• Bank iD identity services
• Online securities trading through e-Broker and Smartbroker
• Mutual funds and investment funds

Products / SKUs Brand's website · 2026-11-07

• Fio personal account
• Fio business account
• Internetbanking
• Smartbanking mobile application
• Banking API
• Visa and Mastercard payment cards
• Mortgages and other loans
• Overdrafts

Pricing Brand's website · 2026-11-07

Personal and business accounts are offered free of charge, including account opening and maintenance. The business account page also states that many payments, cards, withdrawals and cash deposits are free. Mutual funds can be purchased with no entry or exit fees, subject to a stated 3% fee when units are sold within 12 months; regular investment starts at CZK 300 per month and one-time investment at CZK 5,000.

Target industry Brand's website · 2026-11-07

Banking, financial services and investment services.

Customer base Brand's website · 2026-11-07

Individuals, entrepreneurs, businesses, bank clients, retail investors and experienced investors.

Ideal customer profile Brand's website · 2026-11-07

Czech individuals seeking low-cost everyday banking, entrepreneurs and companies needing fee-free business banking and digital payment tools, and investors seeking online securities trading or mutual funds.

Use cases Brand's website · 2026-11-07

• Opening and managing a personal bank account online
• Managing a business account and business payments
• Making domestic, international and SEPA payments
• Withdrawing and depositing cash through branches and ATMs
• Using Internetbanking, Smartbanking or the banking API
• Applying for mortgages, loans or overdrafts
• Paying by card or accepting card payments through a terminal or gateway
• Verifying identity and accessing public or commercial services through Bank iD

Customer outcomes Brand's website · 2026-11-07

• Access to personal and business accounts without account-opening or maintenance fees
• Fee-free or reduced-cost everyday payments and cash services as described for the relevant account
• Online access to banking through web, mobile and API channels
• Convenient online investing and securities trading
• Ability to start regular fund investments from CZK 300 per month
• Access to mortgages, loans and overdraft facilities
• Access to a broad branch and ATM network across the Czech Republic
• Simplified online dividend-payment requests using Fio Bank iD