Fio banka: Czech securities, eBroker fees and Smartbroker limits

Fio banka combines Czech bank accounts with a separate investment relationship. Its 2025 annual report records CZK 238 billion of individual-investor trading, up one fifth; that is a brokerage activity measure, while the report’s 1.6 million clients cover the whole bank. This profile follows the Czech service and Czech documents.[3]

The investment base tariff took effect on 1 July 2026. The external-cost annex applies to every contract by 21 September 2026; its venue and settlement charges can sit alongside the broker’s commission.[18][5]

View full spreads & trading costs

The core route covers Czech shares and ETFs alongside US and German securities. Fio’s current listed-derivative catalogue offers investment certificates and warrants: issuer instruments with exposure to an underlying market.[2][8]

Non-professional monthly quotes: Prague Smartbroker €5; US USD 6; Xetra €8. Charged only if that feed is enabled, a quote viewed and no trade executed on that market that month.[4]

The KID figures describe costs within those particular fund products, rather than a separate annual brokerage invoice. Other funds and share classes have their own disclosures. Redemption requests go through the distributor and remain subject to the fund’s dealing and possible suspension rules.[31][32]

Smartbroker’s order ticket includes quantity, price, expiry and settlement currency; US orders can include extended hours. Limit, market and stop variants have different execution conditions: a stop trigger does not reserve an execution price, while a limit can remain unfilled. Review the submitted order and its remaining quantity before replacing it.[11]

For lost Smartbroker credentials or authorisation PIN, remove/deactivate the device through Global Settings and activate it again. e-Broker’s forgotten-password link provides the account-unblocking process.[11]

The e-Broker guide lists cash balances in CZK, EUR, USD, HUF, PLN and GBP. Deposit instructions identify the investment account separately from a normal payment account. The investment conditions distinguish available cash from amounts reserved for a market: reserved money must be released before withdrawal, and pending trades can affect what is available.[12][13]

For incoming securities, have Fio confirm the accepted issue, receiving account, applicable charge, timing and matching instructions before the delivering broker starts the transfer. For closure, the investment conditions require a written instruction for all entrusted cash and securities; the one-month notice period starts only once that instruction has been submitted. An outgoing transfer remains subject to settlement and outstanding obligations.[13]

Cash-payment charges follow the banking route and contract cohort. The tariff hub separates contracts made before 1 October 2026 from newer ones, with the older cohort moving to the new banking tariff on 27 November. That banking change does not redetermine the investment commission table above.[18]

The operator is Fio banka, a.s., Czech company number 61858374, headquartered at Na Florenci 2139/2 in Prague. The CNB’s bank-disclosure directory identifies Fio as a supervised bank. A foreign exchange listing or overseas custodian does not replace this contracting institution.[16][21]

Fio has published revised broker and protection disclosures for contracts from 29 September 2026; they take effect for earlier contracts on 27 October 2026. Existing clients should use their applicable version during that transition.[17]

Telephone orders normally go through the branch that holds the investment agreement, using the agreed telephone password. After 17:30, US instructions can go to +420 224 346 493. This provides an authorised alternative to online entry; connection problems do not make an unconfirmed cancellation effective or establish a waiver of telephone charges.[15]

Complaints can be submitted through Fio servis, [email protected], a branch or +420 224 346 492 on working days, 09:00–17:30. Identify the disputed operation, evidence and requested remedy. The published procedure allows 30 calendar days from submission, with a notified extension of up to another 30; time awaiting client cooperation is excluded. Payment-service complaints have a separate 15-business-day rule. An internal protest starts a further review. Consumer disputes can reach the Financial Arbitrator within its remit, or the Czech Trade Inspection where applicable; courts remain available. The CNB receives supervisory complaints but does not decide the individual compensation dispute.[24]

Personal Broker provides recommendations and requires the client to authorise each transaction, usually by telephone; its modified e-Broker view does not accept electronic orders. The standard annual remuneration is 20% of the portfolio’s CZK-valued gain after adjusting for contributions and withdrawals, including distributed dividends. Ordinary trading charges reduce that gain; advances may be collected during the year. The published calendar-year formula does not establish loss carryforward or a previous portfolio-high threshold; confirm any such protection in the mandate.[25]

The printed tiers leave exactly CZK 100 million unclear; confirm its applicable rate.[4]

Czech margin requires approval under the modern framework agreement. Spekulant carries a published 12% annual rate and financing up to 85% of eligible investment value; Investor is 8.5% and up to 70%. Interest uses end-of-day borrowing and is normally posted on the next month’s first day. For both programmes, monthly average borrowing strictly above CZK 3/6/15 million reduces the annual rate by 0.25/0.50/1.00 percentage points, respectively. These are the modern-contract chart’s tiers; different tables below the legacy-contract heading are not substituted. Security eligibility and collateral conditions can restrict the financing ceilings.[26]

The short-sale service borrows securities against client collateral and charges for the end-of-day market value borrowed. Czech shorting is confined to approved Prague issues; a removal from eligibility can require closing the position that day. Fio’s current page expressly suspends US short-sale lending, despite retaining older explanatory text underneath.[27]

Fio publishes research and runs investment seminars. Its 2025 report describes AI support for Fio servis; that is evidence of customer-service use, not a client mandate allowing an AI to place trades. The published Fio API banking manual concerns accounting-system communication with Internetbanking; a retail securities order API was not established.[3][29]

Fio traces its securities business to 1993 and describes itself as the largest Czech online broker. Its 2025 annual report identifies Fio holding, a.s. as the sole shareholder at year-end. The bank’s Slovak branch and the group’s investment-fund manager have their own relevant service documents; their customer figures, fund assets and tariffs should not be substituted for the Czech brokerage relationship.[2][3]

Headquarters

Prague, Czechia

e-Broker can export displayed transaction data to CSV. Fio can also issue a paid certificate showing foreign dividends and withholding, on request; it is the broker’s certificate rather than one from the foreign tax authority.[12][28]

No general dormant-account fee or fixed deactivation countdown was established for the ordinary investment account. Holding and enabled data services may still have their own charges. Closing the trading relationship requires the contract and asset-transfer steps above; removing the mobile app does not perform those steps.[13]