Updated September 28, 2026 · VaultCue Editorial Team
Daviplata vs Fio banka
Daviplata
Fio banka
Higher score in this comparison
What sets them apart
| Compare | DaviplataReviewSee alternativesSee alternatives | Fio bankaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | CZK 0 |
| Currencies | 2 | 14Higher |
| Transfer fee | COP 0 for consumer transfers; up to COP 3,170 + IVA per transfer for business transfers via Portal Empresarial and Pyme | 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 |
| Currency conversion fee | 0% | Not confirmed |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | COP 0 | Not confirmed |
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Key differences
- Fio banka scores higher overall: 9.3 vs 9.1.
- Fio banka is available in 1 more country.
- Currencies is higher at Fio banka: 14 vs 2.
- Support channels: only Fio banka offers Email, Phone, Chat.
- Audience: only Daviplata offers Expats, Business.
- Audience: only Fio banka offers Student, Teen.
- Features: only Daviplata offers Digital only.
- Features: only Fio banka offers Joint account.
Our verdict on each
Daviplata
Daviplata suits expats and small businesses in Colombia who want one app for everyday banking and remittances, with a monthly fee of COP 0 and a currency conversion fee of 0%. Transfers land immediate, within minutes, and money comes out to a bank account, cash pickup or wallet.
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 | Daviplata | Fio banka |
|---|---|---|
| Cost | 9.6HigherLow cost: COP 0 monthly, 0% currency conversion fee, COP 0 on a consumer transfer. | 9.3A monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. |
| Offer | 8.3 | 9.4HigherA 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. |
| Trust | Not confirmed | 9.3 |
Every fact side by side
| Fact | Daviplata | Fio banka |
|---|---|---|
| Audience | Expats, Business | Student, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only, Free ATM | Free ATM, Joint account |
| Legal entity | Banco Davivienda S.A. | Fio banka, a.s. |
| Headquarters | Colombia | Czechia |
| Founded | Not confirmed | 1993 |
| Support channels | Help centre | Email, Phone, Chat, Help centreCovers more |
Money transfer
| Fact | Daviplata | Fio banka |
|---|---|---|
| Delivery time | immediate, within minutes | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | COP 0 | Not confirmed |
Savings
| Fact | Daviplata | 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 | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Daviplata | Fio banka | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | 2lowest quarter | 14above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Daviplata
Pros
- The monthly fee is COP 0, and consumer transfers cost nothing.
- A currency conversion fee of 0%, the lowest of the 312 brands compared.
- Remittances arrive immediate, within minutes, and payouts reach a bank account, cash pickup or wallet.
Cons
- Support runs on help centre only.
- Only 2 currencies are covered, so anyone trading in more may look at Skrill or Plazo ES.
- Business transfers through Portal Empresarial and Pyme carry a fee per transfer plus IVA, unlike consumer transfers at COP 0.
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
Daviplata
Who it suits
- Expats in Colombia who want a local account and a remittance wallet in the same app.
- Small businesses that pay and receive through consumer and business transfer routes.
- Readers who want free ATM access and no monthly charge, since the account fee is COP 0.
Who should look elsewhere
- Plazo ES, if you are paid in euros: its monthly fee is €0, and the 2 currencies Daviplata holds may not match your income.
- PayPal Colombia, if a wallet is enough: its monthly fee is $0, while Daviplata adds a bank account and free ATM withdrawals.
- Skrill, if you hold more currencies than the 2 Daviplata covers; its monthly fee is €0, so currency range is the only reason to move.
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 | Daviplata | Fio banka |
|---|---|---|
| Colombia | Yes | No |
| Czechia | No | Yes |
| Slovakia | No | Yes |
Questions about each
Daviplata
What does it cost to keep a Daviplata account?+
The monthly fee is COP 0, so keeping the account open costs nothing. Consumer transfers are free on the same schedule. Charges appear on the business side: transfers made through Portal Empresarial and Pyme carry a fee per transfer plus IVA, which is the line to read if you pay suppliers through the app.
Does Daviplata charge for currency conversion?+
The currency conversion fee is 0%, the lowest of the 312 brands compared on that measure. It matters most for expats who receive or hold money in another currency. The account covers 2 currencies, so pairs outside that list need another route.
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
Related by the facts
Daviplata
Fio banka