# Fio banka

> Source: https://docs.barcoder.ai/docs/wallets/fio-banka
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Fio — official](https://www.fio.cz/)

## Overview

**Fio banka** is **Czech commercial bank** + **Fio family Czech founders fully owned** + **Czech online brokerage + commercial bank** + **no-fee retail banking pioneer** <sup>[1][1], [Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup>.

## History

**1993 — Fio investment company founded in Czech Republic as online brokerage**.

**2010 — Fio banka launched as Czech commercial bank** distinctive Czech banking heritage.

**2013 — Fio Smartbanking mobile app launch**.

## Ownership & operator

**Operating entity**: **Fio banka a.s.** (Czech commercial bank; Fio family Czech founders fully owned).

**Major shareholders**: **Fio family Czech founders fully owned**.

**Regulators**: **ČNB**.

## Technical integration

Fio Smartbanking mobile app (iOS + Android) + fio.cz online + Fio banka branch network across Czech Republic + Slovakia + Fio banka Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + SPD CZ (Short Payment Descriptor; Czech national QR payment standard).

## Implementations & partners

**Major Czech banking + payments competitors**: [Česká spořitelna (George app)](https://docs.barcoder.ai/docs/wallets/ceska-sporitelna) (Česká spořitelna; Erste Group Austrian parent; Czech Republic's largest commercial bank by retail customers) + [ČSOB (Československá obchodní banka; Czech Republic)](https://docs.barcoder.ai/docs/wallets/csob-cz) (ČSOB Czech Republic; KBC Group Belgian parent fully owned post-2008 split) + [Komerční banka (KB)](https://docs.barcoder.ai/docs/wallets/komercni-banka) (Komerční banka; Société Générale French parent ~60.4% controlling) + Raiffeisenbank (Raiffeisenbank CZ; Raiffeisen Bank International Austrian parent) + [Air Bank](https://docs.barcoder.ai/docs/wallets/air-bank) (Air Bank Czech digital bank by PPF Group) + [Moneta Money Bank](https://docs.barcoder.ai/docs/wallets/moneta-money-bank) (Moneta Money Bank; PSE: MONET; Czech commercial bank; PPF Group major shareholder) + mBank (mBank CZ; Polish Commerzbank-owned mBank Czech branch).

**Regulator**: ČNB.

## Status

**Active, Czech commercial bank + Fio family Czech founders fully owned + Czech online brokerage + commercial bank + no-fee retail banking pioneer** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.fio.cz/ "Fio — official"
[2]: https://en.wikipedia.org/wiki/Fio_banka "Fio banka — Wikipedia"
[cz-cro]: https://docs.barcoder.ai/docs/payments/CZ

- [1] [Fio — official][1]
- [2] [Fio banka — Wikipedia][2]
- <sup>[Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup> In-corpus: `reports/countries/CZ-czech-republic.md`

## Source

Biography extracted from [fio-banka.md](https://docs.barcoder.ai/source/wallets/fio-banka). See `matrix.md` for standards-support matrix if present.