Fio banka review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fio banka is a Czech current account with a monthly fee of CZK 0 and a Visa debit card, aimed at students and parents opening an account for a child. It holds 14 currencies in one multi-currency balance, which is where it stands out from single-currency accounts.
Key facts
- Best for
- A fee-free Czech current account for students and parents, with a Visa debit card and 14 currencies in one balance.
- Monthly fee
- CZK 0↗
- Free ATM withdrawals
- CZK 0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Currencies
- 14↗
- Headquarters
- Czechia↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Multi-currency
- Audience
- Students, Kids
- Official website
- fio.cz
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Multi-currency by default: multi currency across 14 currencies, so balances sit together rather than in separate accounts.
- A debit card on visa, so spending comes straight from the current account balance.
- Support by email, phone and help centre, covering a phone line, an email address and a help centre.
- Built for student and kids accounts, which suits a student or a child.
Cons
- Cash is not free: the ATM free allowance is CZK 0 and Fio banka ranks 38 of 104 on that measure.
- It is a debit card on visa for a current account, so it does not spend from a crypto balance.
- Support runs on email, phone and help centre, so there is no live chat for quick questions.
Who it suits
- Students in CZ opening a first current account without an account charge.
- Parents setting up an account for a child, since the audience lists student and kids.
- Readers who earn in another currency and want multi currency banking in one place.
Who should look elsewhere
- Not for anyone who wants a card that spends a crypto balance, since this is a debit card and Bitpanda is the crypto card in this group.
- Not for readers who bank across several markets: the account sits in CZ with 14 currencies, and Wise is the alternative listed at £0 a month.
How it compares on our data
On monthly fee, Fio banka sits 1 of 379 brands, near the front of the field on what an account charges. On free ATM withdrawals it drops to 38 of 104, so the accounts that look cheapest on paper are weaker on cash. The two columns tell the story: a low account charge says little about the cost of notes from an ATM.
How Fio banka compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1Bitpanda's card carries a monthly fee of €0 in euro, and it is the alternative for anyone linking a card to crypto rather than to a bank balance.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Frequently asked questions
What does Fio banka charge each month?+
Fio banka charges a monthly fee of CZK 0 on the current account, and it ranks 1 of 379 brands on that measure. With no account upkeep to pay, the running cost sits elsewhere, in cash withdrawals and in converting between the currencies you hold.
Is the card a debit card or a prepaid card?+
The card is a debit card on the visa network, so spending comes straight from the current account balance rather than from a stored amount. For a crypto audience that distinction matters: this is everyday banking hardware, and the balance behind it is fiat held at the bank.
Can I hold several currencies in one account?+
The account is multi currency and covers 14 currencies in one balance, which suits readers who earn or spend in more than one currency. Keeping them together is the practical gain, since the balances sit side by side rather than in accounts at separate banks.
Are ATM withdrawals free?+
No cash comes free. The free withdrawal allowance is CZK 0, and Fio banka ranks 38 of 104 brands on free ATM withdrawals, so cash is priced rather than included. Card payments and transfers are the cheaper route for everyday spending.
Who is this current account for?+
The account is built for student and kids audiences, so a student opening a first account or a parent setting one up for a child are the intended users. Company money and joint arrangements sit outside that audience, which makes this personal banking rather than business banking.
How do I get help from Fio banka?+
Help runs on email, phone and help centre, which means a phone line, an email address and a help centre. Most account questions can be handled on one of those, though there is no live chat for a quick reply inside an app.
Which country is Fio banka based in?+
Fio banka is based in Czechia, and the account, its card and the CZK 0 monthly fee are all priced in the local currency. That matters for readers outside the Czech Republic, where a fee-free account is only useful if you can bank in the same currency.
Sources
- fio.cz checked September 26, 2026
Backs: Headquarters
- 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/contacts checked September 26, 2026
Backs: Support channels
“Infomail: fio@fio.cz; Infoline +420 224 346 111”
- www1.fio.cz/bank-services/bank-accounts/current-account checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Contactless payment card Mastercard or Visa - free - Fio current account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Fio banka
A fee-free Czech current account for students and parents, with a Visa debit card and 14 currencies in one balance.