Trading in Germany: Now easier and for longer
The German market is a gateway to European capital for investors. Thanks to Fio banka, which is a direct member of the Deutsche Börse Group and its XETRA electronic market, you get the fastest access to German "Blue Chips" and low-cost ETFs under conditions that have no competition on the market.
Investment Awards
Fio banka and its trading platforms regularly receive the highest awards in the Zlatá koruna (Golden Crown) competition. Our services for investors have long been among the best rated on the Czech market.
Germany for €1.98
With a DIP account, you can execute orders up to €500 for only €1.98. Ideal for regular investing.
€0 for Safekeeping
Owning shares with us costs nothing. You pay no percentage fees based on the volume of your portfolio.
The market that never sleeps
With us, you can trade in Germany from 8:00 AM to 10:00 PM. React to US market results in real-time directly in Germany.
XETRA and XETRA Plus Electronic Systems
XETRA is the most liquid electronic market in Europe. As the first Czech member, Fio banka offers full integration of all modern mechanisms, including price improvement for retail clients.
- New trading hours: From December 1, 2025, we trade from 8:00 AM to 10:00 PM.
- Xetra Price Improvement: Thanks to the Retail Auction mechanism, you automatically compete for the best price within the spread. You often buy cheaper than the visible market price.
- Settlement: Standard settlement in T+2.
- Wide selection: Over 1,000 stocks and 3,000 ETF/ETP instruments.
Investments in your pocket with the Smartbroker app
Are you thinking about starting to invest? With the new Fio Smartbroker app, you have the German stock exchange always at hand. It is designed for both beginners and experienced investors and is completely free.
- Access to markets in CZ, Germany, and the USA.
- Management of all accounts including DIP.
- Biometric security (fingerprint, face ID).
- Buy or sell within seconds.
Did you know? Fio banka uses Direct Market Access (DMA) technology. Your orders go directly to the heart of the exchange in Frankfurt without being resold to third parties (PFOF). This guarantees maximum security and fairness of execution.
New fee structure (from February 2026)
We have introduced new volume tiers, making us one of the most advantageous choices for small and large investors on the market.
| Trade volume | Fee |
|---|---|
| Up to €500 on DIP accounts | €1.98 |
| Up to €1,400 inclusive | €3.95 |
| €1,400 — €3,000 inclusive | €4.95 |
| Over €3,000 | 0.15% of trade volume (min. €6.95) |
We do not penalize you for the growth of your portfolio. The safekeeping fee is 0 CZK regardless of the size of your assets.
Example for a DIP investor
If you set aside €500 per month into German ETFs within a DIP, you will pay only €1.98 for the trade. Compared to common bank fees in the CZ (often €4–€10), you will save thousands of crowns per year, which can continue to appreciate.
Analysis and price tracking
Track the performance of the most significant companies in the DAX (40 largest titles), MDAX, SDAX, and the technological TecDAX.
You can follow stock prices in clear tables and charts at www.akcie.cz or directly in the e-Broker and Smartbroker apps.
How to start trading?
- Open an account: Simply online or at any branch.
- Complete the questionnaire: Fill out the investment questionnaire in one of the apps.
- Follow the markets: Use the Smartbroker mobile app or the e-Broker web app. Have your trades always at hand.
- Invest: Search for German titles and buy anytime from 8:00 AM to 10:00 PM.
Tip: Following market events will be easier with our news, analyses, and free Investment School seminars.
Disclaimer: Investing in investment instruments is risky and may be loss-making under unfavorable circumstances. The value of an investment may rise as well as fall. The return of the originally invested amount is not guaranteed. Please note that investing in a foreign currency is also associated with currency risk.
