Savings Accounts
Are you looking for a place to temporarily keep your spare money while still having access to it at all times? Choose the Fio konto savings account. If you want to save more money, you can also open a Fio Savings Account alongside your Fio konto, designed primarily for saving.
The account interest rates stated below apply to deposits in EUR and are available to everyone – individuals, legal entities and businesses.
Interest rate: 2 %
Our savings account offer for everyone:
- Fio konto offers tiered interest rates. Deposits of up to EUR 10,000 earn interest at a rate of 2% p.a. The higher interest rate applies to one savings account per client. You can make an unlimited number of payments from Fio konto between your own accounts and within the bank.
- Fio Savings Account pays interest on all deposited funds, with no balance limit, at a rate of 1.8% p.a., while the number of outgoing payments is limited to 2 per month.
With Fio konto, you get free of charge
- payments in all currencies within the bank
- euro payments within SEPA
- payments in CZK to/from the Czech Republic
- cash withdrawals in euros at the bank counter (over EUR 50)
- cash deposits in euros at the bank counter
(made by the account holder or an authorised person) - For transfers to another bank, you can use one external beneficiary account, which can be set up at any time in Internetbanking or at any branch. You can change the beneficiary account in the same way; the change will take effect on the following day.
How the Fio Savings Account differs from Fio konto or a current account:
- The number of outgoing payments/withdrawals is limited to 2 per month.
- It is not possible to set up SIPO payments, standing orders or direct debits.
Savings conditions (sole traders and legal entities)
- Savings accounts can only receive funds by bank transfer from another account held by the same owner with Fio banka, or by a cash deposit made by the account holder/authorised person.
- Funds can only be transferred from savings accounts by bank transfer to another account held by the same owner with Fio banka. Cash withdrawals from these accounts are not permitted.
How do I open our savings accounts?
If you are not yet a Fio banka client, find out how to become a client.
If you are already a client, you can open both Fio konto and the Fio Savings Account through:
- Internetbanking (select +New Product)
- Smartbanking (select My Fio > +New Product)
- or in person at any of our branches
Legal entities can open savings accounts in person at a branch or online (if 
they have concluded a master agreement). Their interest rates rank them among the most competitive savings accounts of this type on the market.
