Updated October 13, 2026 · VaultCue Editorial Team
ACLEDA Bank vs Fio banka
ACLEDA Bank
Fio banka
Higher score in this comparison
ACLEDA Bank vs Fio banka: the differences
| Compare | ACLEDA BankReviewSee alternativesSee alternatives | Fio bankaReviewSee alternativesSee alternatives |
|---|---|---|
| Currencies | 9 | 14Higher |
| Transfer fee | 0.10% - 0.25% | Outgoing non-EUR 200 CZK (SHA/BEN) or 500 CZK (OUR); incoming non-EUR 100 CZK; EUR SEPA and CZ-SK EUR free; intra-group free |
| Monthly fee | Not confirmed | CZK 0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Local account details | Not confirmed | IBAN |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Currencies is higher at Fio banka: 14 vs 9.
- Support channels: only Fio banka offers Help centre.
Our verdict on each
ACLEDA Bank
For readers managing money in several denominations, ACLEDA Bank provides easy-access everyday accounts with nine currencies and delivery within minutes. Adults aged over eighteen can apply with defined identity documents, including an overseas route with notarised certification through an embassy in Cambodia or a Cambodian notary.
Fio banka
Fio banka is a Czech personal and savings account for people who want no monthly charge and instant access to their money. It suits students, teens and savers who can bank in the Czech Republic, paying a variable rate of 3.5% on easy-access savings.
Score breakdown
| Area | ACLEDA Bank | Fio banka |
|---|---|---|
| Cost | Not confirmed | 9.3A monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. |
| Offer | 9.3 | 9.4HigherA 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. |
| Trust | 9.3 | 9.3 |
How they place
| Ranking | ACLEDA Bank | Fio banka |
|---|---|---|
| Savings accounts | 625 of 1420 | 139 of 1420 |
Every fact side by side
| Fact | ACLEDA Bank | Fio banka |
|---|---|---|
| Audience | Not confirmed | Student, Teen |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | ACLEDA Bank Plc. | Fio banka, a.s. |
| Headquarters | Cambodia | Czechia |
| Founded | 1993 | 1993 |
| Support channels | Phone, Email, Chat | Email, Phone, Chat, Help centreCovers more |
Money transfer
| Fact | ACLEDA Bank | Fio banka |
|---|---|---|
| Delivery time | Within minutes, just-in-time | Not confirmed |
| Payout methods | Bank, Cash pickup | Not confirmed |
| Fee to send 1,000 | KHR 4,000 | Not confirmed |
Savings
| Fact | ACLEDA Bank | Fio banka |
|---|---|---|
| Headline rate | Not confirmed | 3.5% |
| Rate type | Not confirmed | Variable |
| Access terms | Any adult aged 18+; Cambodian ID, a passport valid at least 3 months, a family book, or another document with portrait. Foreigners also need a Cambodian residence document certified by a local authority. Accounts may also be opened from overseas with notarised documents certified by the applicant's embassy in Cambodia or a Cambodian notary. | No notice period; funds may be transferred only to one external account, which can be changed free of charge |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | ACLEDA Bank | Fio banka | Median |
|---|---|---|---|
| Currencies | 9above the median | 14above the median | 5 |
Median across 536 listed accounts.
Pros and cons
ACLEDA Bank
Pros
- Provides easy-access accounts for everyday use across nine denominations.
- Delivers accounts in minutes with phone, email and chat assistance available.
Fio banka
Pros
- No monthly charge on the personal account, with a monthly fee of CZK 0
- A variable savings rate of 3.5% on an easy-access account, so there is no notice period to serve
- Free ATM withdrawals and joint accounts are both listed as account features
Cons
- The 3.5% savings rate is variable, so the return can move
- Transfers in currencies other than the euro carry a charge, unlike euro area SEPA and Czech to Slovak euro payments, which are free
- Savings can be transferred to one external account only, though that destination can be changed free of charge
Who each suits
ACLEDA Bank
Who it suits
- Adults seeking fast multi-currency access
- Applicants comfortable providing certified identity documents
Fio banka
Who it suits
- Students and teens in the Czech Republic who want a personal account with no monthly charge
- Anyone holding an easy-access savings balance who is comfortable with a variable rate
- People who mostly send and receive money in the euro area, where transfers are free
Who should look elsewhere
- Skrill, if you would rather hold a wallet balance than a supervised bank account with EU deposit protection
- eToro, if you are looking for somewhere to trade rather than a personal account paying 3.5% on savings
- PayPal Colombia, if your money needs to sit in a payment wallet rather than a Czech bank account with a joint account option
Country by country
| Country | ACLEDA Bank | Fio banka |
|---|---|---|
| Czechia | No | Yes |
| Slovakia | No | Yes |
Questions about each
ACLEDA Bank
Who can open an ACLEDA Bank everyday account?+
Any adult aged eighteen or over can apply using a Cambodian ID, a passport valid for at least three months, a family book or another document with a portrait. Foreign applicants also supply a Cambodian residence document certified by a local authority.
Which currencies does ACLEDA Bank cover?+
ACLEDA Bank provides easy-access accounts for everyday banking denominated in nine currencies. The range allows everyday balances to be held across multiple denominations for daily use. The structure keeps everyday money organised by denomination.
Fio banka
Is there a monthly fee on a Fio banka personal account?+
The personal account carries a monthly fee of CZK 0, and most accounts compared here charge €0. Money movement is where charges appear: euro area SEPA and Czech to Slovak euro payments are free, while transfers in other currencies cost either the lower shared-charge rate or the higher rate when you cover the whole fee.
What interest does the Fio banka savings account pay?+
Savings pay a headline rate of 3.5% and the rate type is variable, so the figure can move with rates set by the bank. Among the accounts rated on rate type, variable is the common choice, so treat this as a floating return rather than a locked one.
Other options to compare
Other matchups
Related by the facts
ACLEDA Bank
Fio banka