Updated September 29, 2026 · VaultCue Editorial Team
Fio banka vs Vivid Money
Fio banka
Higher score in this comparison
Vivid Money
Fio banka vs Vivid Money: the differences
| Compare | Fio bankaReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CZK 0 | €0 |
| Currencies | 14 | 22Higher |
| 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 |
| Currency conversion fee | Not confirmed | 0.25% |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- Fio banka scores higher overall: 9.3 vs 8.8.
- Founded is lower at Fio banka: 1993 vs 2019.
- Vivid Money is licensed in 1 more country.
- Currencies is higher at Vivid Money: 22 vs 14.
- Support channels: only Fio banka offers Email, Phone.
- Features: only Fio banka offers Free ATM, Joint account.
- Features: only Vivid Money 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.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | Fio banka | Vivid Money |
|---|---|---|
| Cost | 9.3HigherA monthly fee of CZK 0 on the personal account, with charges only on transfers outside the euro area. | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 9.4HigherA 3.5% variable savings rate, 14 currencies, free ATM use and joint accounts. | 9.1Interest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 9.3Higher | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
How they place
| Ranking | Fio banka | Vivid Money |
|---|---|---|
| Savings accounts | 139 of 1420 | 496 of 1420 |
| Multi-currency accounts | 46 of 348 | 206 of 348 |
Every fact side by side
| Fact | Fio banka | Vivid Money |
|---|---|---|
| Audience | Student, Teen | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Joint account | Digital only |
| Legal entity | Fio banka, a.s. | Vivid Money B.V. |
| Headquarters | Czechia | Netherlands |
| Founded | 1993Lower | 2019 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Chat, Help centre |
Savings
| Fact | Fio banka | Vivid Money |
|---|---|---|
| Headline rate | 3.5%Higher | 3% |
| Rate type | Variable | Fixed |
| Minimum deposit | Not confirmed | €0.010 |
| Access terms | No notice period; funds may be transferred only to one external account, which can be changed free of charge | Instant access |
| Account kind | Easy access | Easy access |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Where each stands against the rest
| Fact | Fio banka | Vivid Money | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.25%below the median | 0.5% |
| Currencies | 14above the median | 22highest quarter | 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
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
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
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
Country by country
| Country | Fio banka | Vivid Money |
|---|---|---|
| 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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
Other options to compare
Other matchups
Related by the facts
Fio banka
Vivid Money