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

Fio banka vs N26

Fio banka scores 9.3 and N26 9.1 out of 10. Compare their differences and shared features below.
N26

N26

9.1/10
Visit
Fio banka

Fio banka

Higher score in this comparison

9.3/10
See alternatives

Fio banka vs N26: the differences

Fio banka vs N26
CompareFio bankaFio bankaReviewSee alternativesSee alternativesN26N26ReviewVisitVisit
Monthly feeCZK 0€0
Currencies14from 35
Transfer feeOutgoing non-EUR 200 CZK (SHA/BEN) or 500 CZK (OUR); incoming non-EUR 100 CZK; EUR SEPA and CZ-SK EUR free; intra-group freeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free
Currency conversion feeNot confirmed0%
Free ATM withdrawalsNot confirmed€2

Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (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

  • Fio banka scores higher overall: 9.3 vs 9.1.
  • Founded is lower at Fio banka: 1993 vs 2013.
  • N26 is available in 19 more countries.
  • Audience: only N26 offers Expats, Travelers.
  • Pricing model: only N26 offers Low FX.
  • Features: only N26 offers Digital only.

Our verdict on each

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

N26

N26 suits people who want banking costs to stay flat and who move money across currencies often: the monthly fee is €0 and the currency conversion fee is 0%. It is aimed at expats, travelers, students and teens, and savings sit alongside the everyday account.

Read the full N26 review

Score breakdown

Fio banka vs N26
AreaFio bankaN26
Cost9.3A monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area.9.4HigherFees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.
Offer9.4A 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts.9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.
Trust9.3Higher8.5

How they place

Fio banka vs N26
RankingFio bankaN26
Savings accounts139 of 142022 of 1420
Student, teen and kids accounts41 of 2736 of 273

Every fact side by side

Fio banka vs N26
FactFio bankaN26
AudienceStudent, TeenExpats, Travelers, Student, TeenCovers more
Pricing modelNo monthly feeNo monthly fee, Low FXCovers more
FeaturesFree ATM, Joint accountFree ATM, Joint account, Digital onlyCovers more
Legal entityFio banka, a.s.N26 Bank SE
HeadquartersCzechiaGermany
Founded1993Lower2013
Support channelsEmail, Phone, Chat, Help centreEmail, Chat, Phone, Help centre

Savings

Fio banka vs N26
FactFio bankaN26
Headline rate3.5%Higher0.3% to 1.5%
Rate typeVariableVariable
Access termsNo notice period; funds may be transferred only to one external account, which can be changed free of charge100% flexible: deposit and withdraw any amount, whenever you want
Account kindEasy accessEasy access

Money transfer

Fio banka vs N26
FactFio bankaN26
Exchange rate markupNot confirmed0%
Delivery timeNot confirmedInstant to 1 business day
Payout methodsNot confirmedBank, Card
Fee to send 1,000Not confirmed€0

Where each stands against the rest

Fio banka vs N26
FactFio bankaN26Median
Currency conversion feeNot confirmed0%below the median0.5%
Currencies14above the medianfrom 35highest quarter5
Free ATM withdrawalsNot confirmed€2above the median€1

Median across 536 listed accounts.

Pros and cons

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

N26

Pros

  • Deposits are protected through EU DGS up to EUR 100,000, with N26 Bank SE supervised by BaFin in Germany.
  • The savings pot is easy access and fully flexible, so deposits and withdrawals happen in any amount, whenever you want.
  • Support is broad for an app-based bank, running on email, chat and phone.

Cons

  • The savings rate is variable and sits at 0.3% to 1.5%, below the 3% median across savings accounts on the site.
  • Local payment details run on iban, so UK sort codes and US ACH numbers are not part of the standard setup.

Who each suits

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

N26

Who it suits

  • Expats, travelers, students and teens who want spending and savings in the same app, with from 35 currencies to hold.
  • Readers who move money across borders, since transfers arrive in Instant to 1 business day and pay out to a bank account or a card.

Who should look elsewhere

  • Pixpay FR, because its monthly fee of €3.99 suits readers who will put regular use through the account rather than those who want a fee-free everyday account.
  • bunq Spain Bank Account, because a currency conversion fee of 3% suits readers banking mainly in euros and converting rarely.

Current offers

N26

Current offer

  • Bonus

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    N26 Go and Metal customers only; enrolment required via in-app message, email or push notification; up to 12 months

    Source, checked September 26, 2026

Country by country

Fio banka vs N26
CountryFio bankaN26
AustriaNoYes
BelgiumNoYes
CzechiaYesNo
DenmarkNoYes
EstoniaNoYes
FinlandNoYes
FranceNoYes
GermanyNoYes

8 of 23 countries where either is available.

Questions about each

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.

N26

What does N26 cost to keep open each month?+

The everyday account is free to run: the monthly fee is €0, and N26 sits at position 1 of 500 brands on that column. Spending, savings and support all sit in the same app, so holding the account costs nothing to maintain.

How much does it cost to convert or send money abroad?+

Foreign currency conversion costs 0%, and the exchange rate margin is 0%. The transfer fee is free: no extra charge is added to Wise-powered international transfers, and MoneyBeam domestic transfers are free. That keeps the cost of moving money abroad close to nothing.

Other options to compare

N26

Visit

Fio banka

See alternatives