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Fio banka review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fio banka suits students, children's accounts and anyone in the Czech Republic who wants a fee-free current account with a multi-currency balance. The monthly fee is CZK 0 and the account holds 14 currencies, but the offer rests on multi-currency alone and cash handling is thin at CZK 0.

Key facts

Best for
A multi-currency personal account at a CZK 0 monthly fee, aimed at students and children's accounts.
Monthly fee
CZK 0 (Source, checked September 26, 2026)
Free ATM withdrawals
CZK 0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
14 (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Multi-currency
Audience
Students, Kids
Official website
fio.cz

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The personal account carries a monthly fee of CZK 0.
  • Multi-currency balances across 14 currencies on a debit card.
  • The listed audience is student and kids, so the account is built for students and children's accounts.
  • Support runs on email, phone and help centre.

Cons

  • Free ATM withdrawals come to CZK 0, so the account ranks 41 of 115 brands on cash.
  • Beyond multi currency the offer list is thin, and the offer score is 4.9.
  • One card type on one network: debit on visa.
Fio banka

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Scored 9.2 / 10 by DebitCue.

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Who it suits

  • Students opening a first account, since the listed audience is student and kids.
  • Anyone in the Czech Republic who wants a debit account with a CZK 0 monthly fee.
  • People who hold money in more than one currency, with 14 available on a multi-currency account.

Who should look elsewhere

  • Not for people wanting an account outside the Czech Republic, since the bank is based in Czechia.
  • Not for anyone who needs cash often: free ATM withdrawals run at CZK 0, and Wise lists £0 a month as another no-charge option.
  • Not for people after a secured credit card instead of a debit one: Chime Card (Secured Visa Credit Card) lists $0 a month.

How it compares on our data

Fio banka sits high in the group on monthly fee, at 1 of 419 brands. On free ATM withdrawals it drops to 41 of 115, so the account's standing rests on the monthly fee side rather than on cash handling. The two measures point in opposite directions, and the fee is the one to weigh first.

The company behind it

Fio banka is a Czech bank headquartered in Czechia. Support runs on email, phone and help centre, so you can reach the bank by email or phone as well as working through the help centre yourself, without a live chat channel. As a domestic bank it fits everyday local spending more closely than frequent travel use.

How Fio banka compares

Where Fio banka is available

Available
Czechia

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the account cost to keep each month?+

The personal account carries a monthly fee of CZK 0, the same as the median monthly fee across the brands listed, €0. On that measure Fio banka ranks 1 of 419, so the price of holding it is not a reason to look elsewhere.

Are there free ATM withdrawals?+

Free ATM withdrawals come to CZK 0, and Fio banka ranks 41 of 115 brands on that measure. The site median free allowance is €0, so anyone who takes cash out regularly should check this figure first.

Can I hold other currencies and spend abroad?+

The account is listed as multi-currency and holds 14 currencies, so balances can sit in more than the Czech koruna. The card is a debit card on the visa network and works abroad like any other Visa debit card. The site's median conversion charge is 1%.

Is this a debit, prepaid or credit card?+

It is a debit card, so the card takes money straight from the personal account balance. The card runs on visa, the network most of the debit cards in the comparison share, which keeps acceptance broad for a domestic bank based in Czechia.

Who is the account built for?+

The listed audience is student and kids, so the account is aimed at students and at children's accounts rather than at premium or business customers. That shows in the setup: a CZK 0 monthly fee, balances across 14 currencies, and support on email, phone and help centre.

How do I get help with the account?+

Support runs on email, phone and help centre, so you can reach the bank by email or phone as well as working through the help centre yourself. The help centre suits quick questions on fees and cards, while email and phone cover anything that needs a person.

How does it compare with other options on price?+

On cost the account scores 6 and overall 5.5, with the offer part at 4.9. That gap is the trade-off: a CZK 0 monthly fee is the floor, while the offer beyond a multi-currency account is thin. Varo Believe Secured Credit Card lists $0 a month too, so price alone will not separate them.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Protection.

Fio banka

Fio banka

A multi-currency personal account at a CZK 0 monthly fee, aimed at students and children's accounts.

9.2/10See alternatives