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Introduction > About us > About Fio > Company History

History

  • 1993 Fio Financial Group established
  • 1996 Services expanded to include a credit union
  • 1997 Start of online stock trading on the Czech market (e-Broker)
  • 1998 Fio, družstevní záložna launches the first internet banking in the Czech Republic
  • 1999 First online trading of US stocks launched in the Czech Republic
  • 2001 Services expanded to include online trading in Germany
  • 2002 Start of foreign expansion as a securities broker in Slovakia
  • 2003 Entry into Polish market in partnership with a leading Polish brokerage house
  • 2004 Fio, burzovní společnost, a.s. becomes the first Czech member of the German XETRA exchange
  • 2004 Fio, družstevní záložna meets the unified EU conditions for savings and credit unions
  • 2005 Fio o.c.p., a.s. was founded
  • 2006 Fio, družstevní záložna becomes a member of the inter-bank payment system in the Czech Republic
  • 2006 Entry into Hungarian market along with access for clients to the Budapest Stock Exchange
  • 2006 Purchase of 100% share of the off-market securities exchange RM-SYSTEM, a.s. completed
  • 2006 A New Branch Office Opened in Košice
  • 2008 Start of online trading on the Warsaw Stock Exchange
  • 2008 Fio, sporiteľné družstvo, organizational branch of Fio, družstevní záložna, starts offering banking services in Slovakia
  • 2008 Fio, burzovní společnost, a.s. requests a bank license from the Czech National Bank
  • 2008 RM-SYSTEM becomes the RM-SYSTEM, česká burza cenných papírů a.s. stock exchange
  • 2009 Fio Financial Group takes first prize in the prestigious Zlatý Měšec 2009 competition for the categories of Banks and Credit Unions and Securities Brokers in the Czech Republic
  • 2009 A New Branch Office Opened in Žilina
  • 2010 Fio, družstevní záložna defends its first place in the Zlatý Měšec competition in the Banks and Credit Unions category
  • 2010 Fio, burzovní společnost receives a bank license in May and becomes Fio banka
  • 2010 Fio banka completes the Fio, družstevní záložna bank services integration project in its product portfolio and as of 1.9. it has offered traditional banking products in addition to investment services
  • 2014 In February and March Fio banka extended the services of SEPA payments and introduced 9 new world currency.
  • 2014 Fio banka launched new campaign in May, starring Jakub Kohák , warning about foreign banks' absurd fees and showing advantages of Fio banka's products
  • 2014 Fio banka was awarded 10 prizes in Zlatá koruna 2014 competition. 4gold, 3silver and 3bronze in total. First places were taken by Fio current account, Business account , Smartbanking a Business account in Businessmen award
  • 2014 in June introduced guaranteed rates of mortgages, thanks to which clients now in advance which rate they are entitled at
  • 2014 opens its 75th branch office, this time in Prague - Lužiny
  • 2014 incoming and outgoing Europayment become cheaper from August, now it costs 20CZK
  • 2014 in August introduces a third overdraft rate, which is free of charge for the delivery and annual renewal, and allows clients to apply for an overdraft online. Newly, also new client can also apply for overdraft
  • 2014 by the end of August Fio banka has over 400 thousand clients
  • 2014 in September wins title of Banking Inovator 2014 with its free account in 15 currencies in Hospodářské noviny competition Best bank 2014
  • 2014 at the beginning of November Fio banka is awarded by title Nejvstřícnější banka for 2nd quarter of 2014
  • 2014 Fio banka took first place in prestigious review of Fincentrum Bank of the year in Account of the year category. Fio banka was also third in The most dynamic bank and Mortgage of the year categories
  • 2015 Fio banka introduces new generation of Internetbanking in January
  • 2015 in March Fio banka significantly cheapen mortgages, minimal fix rate newly makes 1,99% p.a., without necessity of having any additional services or insurance
  • 2015 Fio banka wins title of Nejvstřícnější banka of the year 2014, fourth in a row
  • 2015 in June Fio banka celebrated 5 years as a bank and reached 500 000 clients
  • 2015 from June Fio banka allows usage of fingerprint for login or authorization thanks to Touch ID function
  • 2015 thanks to new Investment agreement is now possible to ask for margin online
  • 2016 In April, a mortgage revolution took place at Fio banka. The main innovations included the possibility to lower interest rates thanks to the free Mortgage Savings Account, increased interest rate discounts for refinancing or property purchases, and the option to repay the entire mortgage or any part of it early at any time without fees or penalties.
  • 2016 At the end of May, Fio banka reached another milestone, surpassing 600,000 clients.
  • 2016 In May, Fio banka introduced another innovation by lowering interest rates, now available from 1.48% for a three-year fixed-rate period.
  • 2016 From June, Fio banka enabled clients to open an account fully online.
  • 2016 From December, Fio banka started offering insurance for payment cards.
  • 2017 From June, Fio banka introduced a new overdraft facility for entrepreneurs and companies with rates starting from 4.9%.
  • 2017 In September, Fio banka launched a new advertising campaign “Above the Viewers’ Emails” featuring Dano Dangl.
  • 2017 From October, Fio banka enabled certain payments to be sent without authorization.
  • 2017 In November, Fio banka introduced a new benefit for entrepreneurs – Mastercard Business payment cards free of charge with every business account.
  • 2018 In July, Fio banka increased payment card security with the 3D Secure service.
  • 2019 In February, Fio banka continued its growth and reached 900,000 clients.
  • 2019 In April, Fio banka launched Google Pay.
  • 2019 Fio banka abolished or reduced several fees.
  • 2019 In July, Fio banka introduced a new Smartbanking app for iOS.
  • 2020 In January, Fio banka launched a new Smartbanking app for Android.
  • 17 May 2020 Fio banka celebrated its 10th anniversary.
  • 2020 At the end of June, Fio banka launched payments via smartwatches.
  • 2020 Fio banka introduced Smartbanking for children.
  • 2020 From September, payments entered in Internetbanking could newly be authorized via the Smartbanking mobile app.
  • 2021 From January, Fio banka started offering investments in its own mutual fund.
  • 2021 From March, clients could open a Fio banka account directly from their mobile phone.
  • 2021 Fio banka expanded the security and settings options for payment cards.
  • 2022 In the Fio Smartbanking app, clients could open additional accounts and services.
  • 2022 Fio banka started issuing Visa payment cards free of charge.
  • 2022 The Fio business account #NoFees won the Zlatá minca award.
  • 2022 Fio banka opened a new branch in Spišská Nová Ves.
  • 2022 Fio banka enabled the digitization of Visa cards as well.
  • 2023 Fio banka launched Apple Pay for Visa cards.
  • 2023 Fio banka clients gained the ability to invest through the Fio Smartbanking app.
  • 2023 Fio banka opened a new branch in Rožňava.
  • 2024 We expanded our branch network with new service locations in Topoľčany and Košice.
  • 2024 In the KPMG Customer Experience study, Fio banka ranked as the third most popular brand in Slovakia and achieved first place among financial institutions.
  • 2024 In the independent Zlatá minca financial products competition, Fio banka won one gold, one silver, and two bronze awards.
  • 2025 Launch of the new Smartbroker investment application.
  • 2025 Fio banka launched installment loans for consumers, sole traders, and companies.
  • 2025 We opened additional branches in Bratislava, Čadca, and Zvolen.
  • 2025 In the Zlatá minca competition, Fio banka received four awards. It also maintained a strong position in the KPMG Customer Experience study.
  • 2026 Fio banka launched the Digital First project – enabling immediate payments with a newly issued card in digital form.
  • 2026 Change in the fee policy for investors on the German Xetra market – reduced fees for smaller investment amounts with additional benefits for DIP.

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