Updated September 28, 2026 · VaultCue Editorial Team
Capitec Bank vs Fio banka
Capitec Bank
Fio banka
Higher score in this comparison
Capitec Bank vs Fio banka: the differences
| Compare | Capitec BankReviewSee alternativesSee alternatives | Fio bankaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | ZAR 7.50 | CZK 0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 14 |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | 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 |
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Key differences
- Fio banka scores higher overall: 9.3 vs 9.0.
- Founded is lower at Fio banka: 1993 vs 2001.
- Fio banka is available in 1 more country.
Our verdict on each
Capitec Bank
Capitec Bank suits South African residents who want easy access to their money and hold several currencies, since the account kind is easy access and the currency conversion fee is 0%. The catch is the monthly fee of ZAR 7.50, which many rivals do not charge at all.
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 | Capitec Bank | Fio banka |
|---|---|---|
| Cost | 9.1Currency conversion fee of 0% against a site median of 0.5%, but a monthly fee of ZAR 7.50 sits well above the €0 typical. | 9.3HigherA monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. |
| Offer | Not confirmed | 9.4A 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. |
| Trust | 9.0 | 9.3Higher |
How they place
| Ranking | Capitec Bank | Fio banka |
|---|---|---|
| Savings accounts | 335 of 1420 | 139 of 1420 |
Every fact side by side
| Fact | Capitec Bank | Fio banka |
|---|---|---|
| Audience | Not confirmed | Student, Teen |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | Capitec Bank Limited | Fio banka, a.s. |
| Headquarters | South Africa | Czechia |
| Founded | 2001 | 1993Lower |
| Support channels | Not confirmed | Email, Phone, Chat, Help centre |
Savings
| Fact | Capitec Bank | Fio banka |
|---|---|---|
| Headline rate | Not confirmed | 3.5% |
| Rate type | Not confirmed | Variable |
| Access terms | Not confirmed | 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 | Capitec Bank | Fio banka | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 14above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Capitec Bank
Pros
- The currency conversion fee of 0% ranks 1 of 312 brands on conversion cost
- A bank rather than an e-money wallet, with the legal entity Capitec Bank Limited
- The account is easy access, so savings stay reachable
Cons
- The monthly fee of ZAR 7.50 applies to the main account, while rivals such as AXI Card, XTB and Skrill charge €0
- A charge where most accounts carry none, as the site median monthly fee is €0
- Head office country is ZA, so the account is aimed at the local market rather than a single international one
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
Capitec Bank
Who it suits
- Residents of ZA who want one account for everyday spending
- Travellers holding more than one currency, given the 0% conversion fee
- Anyone who values easy access to savings over a notice account
Who should look elsewhere
- People who want no monthly charge, since the fee is ZAR 7.50 and XTB charges €0
- Anyone holding savings in a fixed term, as this is an easy access account
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 | Capitec Bank | Fio banka |
|---|---|---|
| Czechia | No | Yes |
| Slovakia | No | Yes |
| South Africa | Yes | No |
Questions about each
Capitec Bank
How much does Capitec Bank charge each month?+
The account carries a monthly fee of ZAR 7.50, which sits above the site median monthly fee of €0. Many rivals on the site charge no monthly fee at all, so the charge suits readers who use the account heavily.
What does it cost to convert currency?+
The currency conversion fee is 0%, which places the brand at 1 of 312 brands on this measure. The site median conversion fee is 0.5%, so this account adds nothing to the cost of changing currency.
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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Capitec Bank
Fio banka