Updated September 28, 2026 · VaultCue Editorial Team
Fio banka vs PagBank
PagBank
Fio banka
Higher score in this comparison
Where Fio banka and PagBank differ
| Compare | Fio bankaReviewSee alternativesSee alternatives | PagBankReviewVisitVisit |
|---|---|---|
| Monthly fee | CZK 0 | R$0 to R$75 |
| Transfer fee | 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 | Free (unlimited TED and Pix to any bank) |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | Not confirmed | 5% |
| Currencies | 14 | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | Not confirmed | R$0 |
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Key differences
- Fio banka scores higher overall: 9.3 vs 8.9.
- Founded is lower at Fio banka: 1993 vs 2006.
- Fio banka is available in 1 more country.
- Audience: only Fio banka offers Student, Teen.
- Audience: only PagBank offers Business, Freelancer.
- Features: only Fio banka offers Joint account.
- Features: only PagBank offers Digital only, No credit check.
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.
PagBank
PagBank suits Brazilian businesses and freelancers who want a free everyday account with instant Pix payouts and a savings option on the side.
Score breakdown
| Area | Fio banka | PagBank |
|---|---|---|
| Cost | 9.3HigherA monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. |
| Offer | 9.4HigherA 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. |
| Trust | 9.3Higher | 8.8 |
How they place
| Ranking | Fio banka | PagBank |
|---|---|---|
| Savings accounts | 139 of 1420 | 28 of 1420 |
Every fact side by side
| Fact | Fio banka | PagBank |
|---|---|---|
| Audience | Student, Teen | Business, Freelancer |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Joint account | Free ATM, Digital only, No credit check |
| Legal entity | Fio banka, a.s. | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A |
| Headquarters | Czechia | Brazil |
| Founded | 1993Lower | 2006 |
| Support channels | Email, Phone, Chat, Help centre | Email, Phone, Help centre, Chat |
Savings
| Fact | Fio banka | PagBank |
|---|---|---|
| Headline rate | 3.5% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | Not confirmed | R$1 |
| Access terms | No notice period; funds may be transferred only to one external account, which can be changed free of charge | Daily liquidity, redeem whenever you want |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Fio banka | PagBank |
|---|---|---|
| Delivery time | Not confirmed | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 |
| Payout methods | Not confirmed | Bank, Wallet |
| Fee to send 1,000 | Not confirmed | R$0 |
Where each stands against the rest
| Fact | Fio banka | PagBank | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 5%highest quarter | 0.5% |
| Currencies | 14above the median | Not confirmed | 5 |
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
PagBank
Pros
- Transfers to any bank are Free (unlimited TED and Pix to any bank), which covers both Pix and TED.
- Cash access carries an allowance of BRL 0, so withdrawals do not add to the bill.
- Payouts reach bank and wallet, and cross-border money clears in minutes to Pix or a PagBank account.
Cons
- Currency conversion on the card costs 5%, which ranks 304 of 312 and sits above the site median of 0.5%.
- The service is digital-only, as free atm, digital only and no credit check shows, so it suits people comfortable running money from an app.
- Savings pay a variable rate, so returns can move.
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
PagBank
Who it suits
- Brazilian sole traders and small companies that bill and pay in Pix
- Freelancers who want an everyday account with an easy access CDB alongside
- Anyone happy to manage the account from a phone
Who should look elsewhere
- Skrill, if a wallet outside Brazil fits better: its monthly fee is €0
- Plazo ES, if a Spanish product suits you instead: its monthly fee is €0
- PayPal Colombia, if a wallet for cross-border online payments is the job: its monthly fee is $0
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 83,88 à vista (12x de R$ 6,99)
Super Max plan; promotional price valid under campaign terms
Source, checked September 26, 2026
Country by country
| Country | Fio banka | PagBank |
|---|---|---|
| Brazil | No | Yes |
| Czechia | Yes | No |
| Slovakia | Yes | No |
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.
PagBank
What does PagBank charge to hold an account?+
The monthly fee runs BRL 0 to BRL 75, and the account is built around no monthly charge. PagBank ranks 1 of 500 on monthly fee across the site, the site median is €0, and the top of the site range reaches €449.
Are Pix and TED transfers really free?+
Transfers to any bank are Free (unlimited TED and Pix to any bank), and the Pix transfer charge is BRL 0. Pix is instant around the clock, and cross-border payouts clear in minutes to Pix or a PagBank account, with payouts landing on bank and wallet.
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