Updated October 14, 2026 · VaultCue Editorial Team
Fio banka vs Touch n Go eWallet Visa Card
Fio banka
Higher score in this comparison
Touch n Go eWallet Visa Card
What sets them apart
| Compare | Fio bankaReviewSee alternativesSee alternatives | Touch n Go eWallet Visa CardReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CZK 0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | 14 | Not confirmed |
| Local account details | IBAN | Not confirmed |
| 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 | Not confirmed |
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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.
Touch n Go eWallet Visa Card
Touch n Go eWallet in Malaysia offers a Visa prepaid card funded from the eWallet balance. A help article describes Visa Plus ATM withdrawals; fees and eligibility are not established here.
Score breakdown
| Area | Fio banka | Touch n Go eWallet Visa Card |
|---|---|---|
| Cost | 9.3A monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. | Not confirmed |
| Offer | 9.4A 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. | Not confirmed |
| Trust | 9.3 | Not confirmed |
Every fact side by side
| Fact | Fio banka | Touch n Go eWallet Visa Card |
|---|---|---|
| Audience | Student, Teen | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM, Joint account | Not confirmed |
| Legal entity | Fio banka, a.s. | TNG Digital Sdn. Bhd. |
| Headquarters | Czechia | Malaysia |
| Founded | 1993 | Not confirmed |
| Support channels | Email, Phone, Chat, Help centre | Not confirmed |
Savings
| Fact | Fio banka | Touch n Go eWallet Visa Card |
|---|---|---|
| Headline rate | 3.5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | No notice period; funds may be transferred only to one external account, which can be changed free of charge | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | Fio banka | Touch n Go eWallet Visa Card |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
Where each stands against the rest
| Fact | Fio banka | Touch n Go eWallet Visa Card | Median |
|---|---|---|---|
| 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
Touch n Go eWallet Visa Card
Pros
- The card is funded from the eWallet balance.
Cons
- ATM fees and eligibility are not established in the captured details.
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
Touch n Go eWallet Visa Card
Who it suits
- Malaysian eWallet users looking for a prepaid Visa and ATM access.
Who should look elsewhere
- Users who need confirmed withdrawal fees and eligibility before choosing.
Country by country
| Country | Fio banka | Touch n Go eWallet Visa Card |
|---|---|---|
| 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.
How quickly can I get my money out of savings?+
The savings account is easy-access, so there is no notice period to serve before a withdrawal. One condition applies: funds can be transferred to a single external account, and that destination can be changed free of charge whenever you need to move it.
Is my money protected if Fio banka fails?+
Deposits are covered by the EU Deposit Guarantee Scheme, with protection stated as EU DGS up to EUR 100,000. Fio banka is supervised in the Czech Republic by the Czech National Bank, so it holds a banking licence there. The scheme covers eligible deposits rather than investments or other balances.
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Fio banka
Touch n Go eWallet Visa Card