Updated October 13, 2026 · VaultCue Editorial Team
C6 Bank vs Fio banka
C6 Bank
Fio banka
Higher score in this comparison
C6 Bank vs Fio banka: the differences
| Compare | C6 BankReviewSee alternativesSee alternatives | Fio bankaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 | CZK 0 |
| Transfer fee | free Pix and TED | 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 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | Not confirmed | 14 |
| Local account details | Not confirmed | IBAN |
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Key differences
- Founded is lower at Fio banka: 1993 vs 2018.
- Features: only C6 Bank offers Digital only.
- Features: only Fio banka offers Free ATM, Joint account.
Our verdict on each
C6 Bank
For everyday account seekers, C6 Bank provides an easy-access account with digital management for routine tasks and accessible balances. It suits customers who want straightforward daily handling and who prefer to organise movements and reviews through an app in one place.
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 | C6 Bank | Fio banka |
|---|---|---|
| Cost | 9.3 | 9.3A monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. |
| Offer | 9.8Higher | 9.4A 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. |
| Trust | 8.2 | 9.3Higher |
How they place
| Ranking | C6 Bank | Fio banka |
|---|---|---|
| Savings accounts | 918 of 1420 | 139 of 1420 |
Every fact side by side
| Fact | C6 Bank | Fio banka |
|---|---|---|
| Audience | Not confirmed | Student, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM, Joint account |
| Legal entity | Banco C6 S.A. | Fio banka, a.s. |
| Headquarters | Brazil | Czechia |
| Founded | 2018 | 1993Lower |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
Savings
| Fact | C6 Bank | Fio banka |
|---|---|---|
| Headline rate | 101.5%Higher | 3.5% |
| Rate type | Variable | Variable |
| Minimum deposit | R$20 | Not confirmed |
| Access terms | Daily liquidity CDB, redeemed in the app and credited the same day | 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 | C6 Bank | Fio banka | Median |
|---|---|---|---|
| Currencies | Not confirmed | 14above the median | 5 |
Median across 536 listed accounts.
Pros and cons
C6 Bank
Pros
- Easy-access account structure designed for routine everyday use and movement
- Digital account management covering balances and everyday routine tasks
- Everyday account focus with accessible structure for daily organisation
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
C6 Bank
Who it suits
- People seeking straightforward everyday money handling
- People comfortable handling account tasks through an app
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 | C6 Bank | Fio banka |
|---|---|---|
| Czechia | No | Yes |
| Slovakia | No | Yes |
Questions about each
C6 Bank
What does C6 Bank offer for everyday use?+
C6 Bank offers everyday accounts with an easy-access structure for routine use. Customers keep daily money accessible and handle standard tasks through digital management. The focus stays on simple organisation for everyday account needs.
Who might consider this account?+
This option fits people who want straightforward handling for daily balances and movements. It fits those who prefer digital control and clear routine organisation. Consider whether app based management reflects the way daily tasks are handled.
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.
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C6 Bank
Fio banka