# Fio Smartbanking CZ

> Smart banking app for account management, payments, and financial services. (iPhone/iPad app by Fio banka, a.s..)

- Source: https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597 (this page in markdown: same URL + `.md`)
- Developer: [Fio banka, a.s.](https://appshunter.io/developer/438668384)
- Category: Finance, Business
- Price: Free
- Rating: 4.10/5 from 40 App Store ratings · 112 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 86 MB
- Languages: American English, Czech, Slovak
- Released: 2019-06-12
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597/reviews.md

## What is Fio Smartbanking CZ?

Fio Smartbanking je chytré a bezpečné mobilní bankovnictví pro každodenní správu financí - s okamžitými platbami zdarma, správou karet, spořením, investováním a založením účtu online přes Bank iD.

Rychlý start bez návštěvy pobočky
Jste klientem Fio banky? Stačí si aplikaci stáhnout a jednoduše aktivovat.

Ještě účet nemáte? Založte si ho přímo v aplikaci. Díky Bank iD zvládnete otevření účtu pohodlně online během několika minut.

Nejdůležitější bankovní služby na pár klepnutí
•	Platby mobilem a hodinkami.
•	Okamžité platby zdarma v CZK i EUR.
•	Platby na kontakt.
•	QR platby a Zaplať mi.

Přehled o financích kdykoliv a odkudkoliv
•	Zůstatky a pohyby na účtech.
•	Správa karet, jejich limitů i zabezpečení.
•	Widget se zůstatkem na plochu mobilu.
•	Přizpůsobení aplikace dle vlastních potřeb.

Více než jen běžný účet
•	Nová karta ihned.
•	Spoření.
•	Investování.
•	Půjčka a kontokorent.
•	Pojištění ke kartám.

Bezpečnost, na kterou se můžete spolehnout
Aplikace splňuje nejmodernější bezpečnostní standardy a chrání vaše finance při přihlášení i potvrzování transakcí.

Nově si během telefonátu můžete v aplikaci ověřit, že vám skutečně volá Fio banka. Stejně tak můžete během telefonátu bezpečně potvrdit svou totožnost bankéři.
K dispozici je také zabezpečená komunikace přes Fio servis a možnost kontaktovat infolinku přímo z aplikace.

## Key features

- Account balance checks
- Mobile payments
- Card limit control
- Loan and credit applications
- Savings and investment options
- QR code payments
- Customizable home screen

## Recent user reviews (10 of 112)

All indexed reviews: https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597/reviews.md

### 4/5 — New card design not visible in Apple Pay

*2026-04-30, version 2.10.19*

I love the app, however the virtual cards in Apple Pay still have the old design. When will they get the update?

### 5/5 — Great services

*2026-04-30, version 2.10.18*

Fio is the best for us! Service is very nice and we satisfy the Fio bank’s services.

### 1/5 — Worst ever bank application

*2026-04-28, version 2.10.18*

Never used worst bank application and bank settings. Searching through the transactions does not work correctly. All services need to be confirmed in person at the bank branch. There is no option to set up features directly in the app. No electronic signatures for documents. Very old fashioned app.

### 5/5 — Recenze

*2026-04-19, version 2.10.18*

Banku je možno díky spolehlivé a prijemne činnosti jen doporucit

### 1/5 — The application keeps bugging me

*2026-03-13, version 2.10.16*

The application keeps bugging me, asking to update the details. My payments are being blocked at least twice a year, which is not acceptable.

### 5/5 — Super UIX

*2026-01-06, version 2.10.13*

Love to have the App also in English!

### 5/5 — Efficient and friendly

*2026-01-05, version 2.10.12*

Perfect interface, simple and straightforward.

### 5/5 — Best Bank I know

*2025-12-30, version 2.10.12*

In my opinion the best bank with the best banking app. 
Please keep it that way!
Thanks! Děkuji!

### 4/5 — Funguje

*2025-12-30, version 2.10.12*

Funguje ale bylo by fajn kdyby trochu modernizovali design.

### 5/5 — I'm simply content

*2025-12-26, version 2.10.12*

Struggling with my Austrian banks App, I always enyoj coming back to this one. The FIO bank App has great functionality, a straightforward structure and search functions.

## Frequently asked questions about Fio Smartbanking CZ

### What can I do with the Fio Smartbanking app?

The app allows you to manage your bank account, check balances, make instant payments, control card limits, apply for loans, start saving, and invest. You can also set up your home screen and use features like QR code payments or payments by mobile number.

### Is the Fio Smartbanking app secure?

Yes, the application is protected with advanced security standards for login and transaction authorization, ensuring maximum safety for your financial operations.

### How do I activate or open an account with Fio Smartbanking?

If you are already a client, you can simply download the app and link it to your existing account. If you are a new client, you can quickly and conveniently open a new account directly within the app, often in just a few minutes using Bank iD.

### What are the costs associated with using Fio Smartbanking?

The description indicates that the app is free to use. Instant payments in CZK and EUR are also mentioned as being free. There is no mention of subscription fees or in-app purchases for core banking functionalities.

### Can I use this app if I'm not a Fio Bank client?

Yes, you can open a new Fio Bank account directly through the app if you are not yet a client. Once the account is opened, you can then use the app to manage it.

## Version history (last 5 releases)

### 2.10.30 — 2026-08-25

Drobné opravy a vylepšení.

### 2.10.29 — 2026-08-24

Chytřejší oznámení: více informací, větší kontrola

### 2.10.28 — 2026-08-13

Drobné úpravy a vylepšení.

### 2.10.27 — 2026-08-05

Drobné opravy a vylepšení.

### 2.10.26 — 2026-07-29

Drobné opravy a vylepšení.

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## More apps by Fio banka, a.s.

- [Fio Smartbroker](https://appshunter.io/ios/app/fio-smartbroker/id671754211)
- [Fio Smartbanking SK](https://appshunter.io/ios/app/fio-smartbanking-sk/id1466759340)
- [Fio Smartbroker](https://appshunter.io/ios/app/fio-smartbroker/id1635366175)

All apps by Fio banka, a.s.: https://appshunter.io/developer/438668384

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*