Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 28, 2026 · VaultCue Editorial Team

Current vs Fio banka

Current scores 8.9 and Fio banka 9.3 out of 10. Compare their differences and shared features below.
Current

Current

8.9/10
Visit
Fio banka

Fio banka

Higher score in this comparison

9.3/10
See alternatives

Where Current and Fio banka differ

Current vs Fio banka
CompareCurrentCurrentReviewVisitVisitFio bankaFio bankaReviewSee alternativesSee alternatives
Headline rate0.25% to 4%Higher3.5%
Deposit protectionFDIC up to USD 250,000EU DGS up to EUR 100,000
Access termsSavings Pods accessible on demand in the mobile app, no notice period, up to three podsNo notice period; funds may be transferred only to one external account, which can be changed free of charge
Monthly fee$0CZK 0
Minimum deposit$0.010Not confirmed

Same on both: Rate type (Variable), Account kind (Easy access).

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

  • Fio banka scores higher overall: 9.3 vs 8.9.
  • Fio banka is available in 1 more country.
  • Headline rate is higher at Current: 0.25% to 4% vs 3.5%.
  • Support channels: only Fio banka offers Phone.

Our verdict on each

Current

Current is a set-aside account for a teen in the US who wants a pot they can reach from the phone. The minimum deposit is $0.01 and the variable rate runs 0.25% to 4%, so the pay on savings can move as the provider adjusts it.

Read the full Current review

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.

Read the full Fio banka review

Score breakdown

Current vs Fio banka
AreaCurrentFio banka
Cost9.1Monthly fees on the easy-access account run at $0, transfers cost $0 - no bank transfer fees and conversion 3%.9.3HigherA monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area.
Offer8.79.4HigherA 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts.
TrustNot confirmed9.3

Pick Current if, pick Fio banka if

Pick Current if headline rate matter most.

Pick Fio banka if offer matter most.

Positions in our rankings

Current vs Fio banka
RankingCurrentFio banka
Savings accounts27 of 1420139 of 1420
Student, teen and kids accounts7 of 27341 of 273

Also worth a look

Finom has headline rate at 5%, against 0.25% to 4% for Current and 3.5% for Fio banka.

Finom review

What we checked

Current

  • current.com: 11 facts, checked September 26, 2026

Fio banka

  • fio.cz: 11 facts, checked September 26, 2026

Every fact side by side

Current vs Fio banka
FactCurrentFio banka
Pricing modelNo monthly feeNo monthly fee
Legal entityFinco Services, Inc. dba CurrentFio banka, a.s.
HeadquartersUnited StatesCzechia
FoundedNot confirmed1993
Support channelsChat, Email, Help centreEmail, Phone, Chat, Help centreCovers more

Everyday accounts

Current vs Fio banka
FactCurrentFio banka
Currency conversion fee3%Not confirmed
CurrenciesNot confirmed14
AudienceTeenStudent, TeenCovers more
FeaturesFree ATM, Digital only, No credit checkFree ATM, Joint account
Local account detailsUs ACHIBAN
Free ATM withdrawals$0Not confirmed
Transfer fee$0 - no bank transfer feesOutgoing 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

Where each stands against the rest

Current vs Fio banka
FactCurrentFio bankaMedian
Headline rate0.25% to 4%above the median3.5%above the median3.25
Minimum deposit$0.010above the medianNot confirmed$0

Median across 658 listed accounts.

Pros and cons

Current

Pros

  • Deposits are covered by FDIC up to USD 250,000, which is the detail a new saver should check.
  • The stated audience is teen, and the account kind is easy access.
  • Pods open on demand in the mobile app with no notice period, so a set-aside stays flexible.

Cons

  • The 0.25% to 4% range has a low floor, so a pod can earn very little for stretches.
  • Support runs on chat, email and help centre, so there is no phone line for urgent questions.
  • Currency conversion costs 3%, which makes it a weak base for holding travel money.

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

Current

Who it suits

  • A teen in the US starting to set money aside, since the stated audience is teen.
  • Anyone happy to manage saving in the app, since pods run on demand with no notice period.
  • US savers paid in dollars, with transfers moving over us ach.

Who should look elsewhere

  • Plazo ES, whose headline rate of 24.19% sits well above the 0.25% to 4% range here.
  • AXI Card Tarjeta y Credito, listed at 21.59% if a higher headline number is the goal.
  • PayPal Colombia, listed at 3.3%, for anyone shopping only on the headline rate.

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

Current offers

Current

Current offer

  • Bonus

    1% cash back on eligible Build Card purchases: 1% cash back

    To earn Points you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period and make Build Card purchases at retailers whose merchant code is in the selected categories in the app; points expire 365 days after they settle

    Source, checked September 26, 2026

Country by country

Current vs Fio banka
CountryCurrentFio banka
CzechiaNoYes
SlovakiaNoYes
United StatesYesNo

Questions about each

Current

What does it cost to run a Current account?+

The monthly fee is $0 and the model is no monthly fee, so there is no standing charge to watch. Bank transfers are listed as $0 - no bank transfer fees. The cost that does apply is currency conversion at 3%, which matters if money is held or spent in another currency.

How do I move money in and out?+

Transfers run over us ach, so money moves through the US system. Bank transfers carry $0 - no bank transfer fees, and the minimum deposit is $0.01, so a small transfer is enough to open a pod and add to it later.

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

Current

Visit

Fio banka

See alternatives