Fio banka review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fio banka suits Czech consumers who already hold one of its current accounts and want borrowing without setup charges. Its mortgage starting rate of 4.78% sits near the ranking median, and the loans rate of 8.28% is fixed for the full term.

Key facts

Best for
Existing Fio banka customers in the Czech Republic who can pay their regular income into that account.
Initial rate
4.78% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
CZK 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Fio banka, a.s. (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
fio.cz

Loans

APR
8.28% (Source, checked September 26, 2026)
Loan amount
CZK 10,000 to CZK 6,000,000 (Source, checked September 26, 2026)
Term
6 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 Kc (no fees besides interest) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Applied for online in Internetbanking or Smartbanking, assessed within moments (Source, checked September 26, 2026)
Representative example
Loan 100,000 CZK, 5 years, monthly annuity instalment 2,026.69 CZK, fixed rate 7.98% p.a., RPSN 8.28% p.a., total payable 121,600.81 CZK (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Existing Fio current account in Czech crowns for consumers, regular income paid to the account, clean credit history (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Business, Secured (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Fio banka, a.s. (Source, checked September 26, 2026)
Headquarters
Czechia (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Setup is free: arrangement fees read 0 Kc (no fees besides interest) and the product fee is CZK 0.
  • Free early repayment, so paying off a balance ahead of schedule costs nothing.
  • Everything is fixed rate, so instalments are set for the whole term.
  • Support runs on email, phone and help centre, so phone, email and a help centre are all open.

Cons

  • On fixed period it ranks 186 of 259 brands, with 3 fixed before repricing.
  • Maximum loan to value is 80%, and its position on that measure is 186 of 293.
  • Eligibility is narrow: you must already hold one of its Czech crown current accounts, pay your regular income into that account and keep a clean credit record.
Fio banka

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Czech consumers who already bank with Fio banka and can keep their income in the same account.
  • Borrowers funding home improvement work, the named use case on its mortgage lending.
  • People who intend to clear a balance early and dislike setup charges.

Who should look elsewhere

  • Buyers chasing the lowest starting rate, since Prestalo is listed at 2.36%.
  • First-time applicants with no history here, as eligibility is tied to an existing Fio current account and a clean credit file.
  • Lendershoppers wanting a wider rate band to compare, such as the 8% to 14% range at Sofkredit.

How Fio banka compares

Where Fio banka is available

Available
Czechia
Licence in Czechia
Czech National Bank (Ceska narodni banka), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What fees does Fio banka charge on a loan?+

There is no setup charge to argue about: arrangement fees read 0 Kc (no fees besides interest) and the product fee is CZK 0. Interest is the only cost listed across its personal, credit line, business and secured lending.

Who regulates Fio banka and where is it based?+

The regulator is the Czech National Bank, and the legal entity is Fio banka, a.s., headquartered in Czechia. The business dates back to 1993 and lends as a direct lender rather than through a broker.

What rate would I pay on a loan or a mortgage?+

Borrowing is priced on a fixed basis, and the representative example shows 8.28%. Mortgages open at an initial rate of 4.78%, and fixed rate is the only model listed, so nothing floats mid term.

Who can apply for a Fio banka loan?+

Borrowers need to already hold one of its Czech crown current accounts, have their regular income paid into that account and keep a clean credit record. The credit check runs as a hard check and the lender asks for good credit, so missed payments or a thin file are likely to be turned down.

How quickly is a decision made?+

The whole application sits in Internetbanking or Smartbanking and comes back within moments, so nothing waits on a branch appointment. A credit line is also listed, which lets you draw against an available limit instead of taking one fixed sum up front.

How much can I borrow and over what term?+

Loan amounts run CZK 10,000 to CZK 6,000,000 and terms run 6 to 96, which covers both a single expense and a longer project. The credit line is the flexible route, letting you borrow repeatedly against your available limit.

Can I repay early without a charge?+

Free early repayment is offered, so clearing part or all of a balance ahead of schedule costs nothing extra. With 0 Kc (no fees besides interest) at setup and a fixed rate for the term, the interest you pay while the balance runs is the cost to compare.

What can I use the money for?+

The range covers personal, credit line and business, so personal and business borrowing sit with the same lender. On the mortgage side the stated purposes are purchase and remortgage, and home improvement is the named use case.

How do I reach someone for help?+

Support runs on email, phone and help centre, which covers questions about the current account and about the borrowing on it. The same routes handle a rate query or a repayment question once the loan is running.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Fio banka

Fio banka

Existing Fio banka customers in the Czech Republic who can pay their regular income into that account.

9.0/10See alternatives

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