fio.cz

We performed a comprehensive analysis of fio.cz on 2026-06-29. The website returned an HTTP 200 status code with a server response time of 21473ms. The page is served over HTTP/1.1 protocol, however no compression (Gzip or Brotli) is enabled, which means the page is transferred at its full uncompressed size. The total page weight is 20 KB. Warning: The website does not have a valid SSL certificate. Visitors may see security warnings in their browser, and data transmitted to and from this website is not encrypted. The security headers analysis reveals a score of 85/100 (good). The following security headers are properly configured: Content-Security-Policy, Strict-Transport-Security (HSTS), X-Content-Type-Options, Referrer-Policy, and Permissions-Policy. However, the site is missing X-Frame-Options, which could expose the site and its users to cross-site scripting (XSS), clickjacking, and other web-based attacks. Our technology detection scan identified 2 technologies across 2 categories powering fio.cz. The detected stack includes Google Tag Manager and jQuery 3.6.4.. Based on our comprehensive analysis of domain age, SSL configuration, email authentication, security headers, and blacklist status, fio.cz receives an overall trust score of 77/100, classified as "Likely Safe".

After conducting a thorough safety and legitimacy analysis, fio.cz receives a trust score of 77/100, which places it in the "Likely Safe" category. This score is calculated by evaluating multiple factors including SSL certificate validity, domain registration history, email authentication protocols, security header configuration, and blacklist status across major threat intelligence databases. The analysis identified several positive trust signals: a valid HTTPS connection protecting data in transit, HSTS (HTTP Strict Transport Security) enforcement preventing protocol downgrade attacks, SPF (Sender Policy Framework) email authentication preventing email spoofing, DMARC email authentication with a reject policy — the strongest available setting, DNSSEC providing authenticated DNS responses, and a well-established domain registered for over 29.8 years, indicating long-term commitment and legitimacy. Areas of concern include: no X-Frame-Options header, which could allow the site to be embedded in malicious iframes (clickjacking) and the domain's WHOIS information is hidden behind a privacy service, making it harder to verify the owner's identity. While these issues don't necessarily indicate malicious intent, they represent areas where the website's security posture could be improved. We checked fio.cz against 8 major blacklist databases including Google Safe Browsing, Phishtank, Urlhaus, Openphish, Dnsfilter, Spamhaus Dbl, Surbl, and Virustotal. The domain passed all 8 checks with a clean status, meaning it has not been flagged for phishing, malware distribution, spam, or other malicious activities by any of the tested threat intelligence providers.

Our technology detection engine scanned fio.cz and identified 2 distinct technologies across 2 categories. This analysis is performed by examining HTTP response headers, HTML source code patterns, JavaScript library fingerprints, CSS framework signatures, and DNS records. Tag Manager: Google Tag Manager — manages marketing and analytics tags without code changes for fio.cz. JavaScript Library: jQuery (version 3.6.4.) — provides utility functions and DOM manipulation for fio.cz. We also extracted the following tracking identifiers: Google Tag Manager container GTM-PNN5KJ. These IDs can be used to identify other websites operated by the same organization.

fio.cz delivers its homepage in 21473ms (server response time), which is considered slow by industry standards. The total page weight is 20 KB, and we detected 102 resource requests loading assets from 9 third-party domains. A high number of third-party domains can significantly impact page load time due to additional DNS lookups and TLS handshakes required for each domain. No compression is currently enabled on fio.cz. Enabling Brotli or Gzip compression could reduce page size by 60-80% for text-based assets (HTML, CSS, JavaScript), significantly improving load times and reducing bandwidth costs. This is one of the simplest and most impactful performance optimizations available. Asset minification status: 1 out of 3 CSS files and 1 out of 8 JavaScript files are minified. Minifying the remaining 9 unminified file(s) could further reduce page weight by 10-30% for those assets. Minification is a best practice that reduces download sizes without affecting functionality. From an environmental perspective, each page view of fio.cz produces approximately 0.01g of CO₂, earning a carbon rating of A. This places the website among the cleanest on the web, demonstrating efficient use of server resources and optimized content delivery. For reference, the average web page produces about 0.5g of CO₂ per page view. The page weight of 20 KB is the primary factor in this calculation. Core Web Vitals data from the Chrome User Experience Report (CrUX) is not available for fio.cz. This typically means the site doesn't have enough real-world Chrome user traffic to generate statistically significant field data, or the domain is not included in the CrUX dataset. Core Web Vitals (LCP, INP, CLS) are important Google ranking factors that measure real user experience.

fio.cz resolves to the IPv4 address 92.38.6.11, but does not support IPv6. IPv6 adoption is increasingly important as IPv4 address space becomes exhausted, and some ISPs and regions are transitioning to IPv6-only connectivity. The domain has 1 A record(s) configured. The domain name system is managed by 6 name servers: dns41.cloudns.net, dns42.cloudns.net, dns43.cloudns.net, dns44.cloudns.net, ns1.fio.cz, and ns2.fio.cz. Having 6 name servers provides good redundancy — if one fails, the others can continue serving DNS queries. The choice of name servers often indicates the DNS hosting provider or CDN service being used. Email for fio.cz is handled by fio.cz with 2 MX records configured: smtp1.fio.cz and smtp2.fio.cz. Multiple MX records provide failover redundancy — if the primary mail server is unavailable, email will be routed to the next available server. SPF (Sender Policy Framework) is configured, which specifies which mail servers are authorized to send email on behalf of this domain. This helps prevent email spoofing and improves email deliverability. DMARC (Domain-based Message Authentication, Reporting and Conformance) is configured with a reject policy — the strongest setting, instructing receiving servers to reject unauthorized emails entirely. DKIM was not detected. Without DKIM, recipients cannot cryptographically verify that emails claiming to be from this domain are authentic. DNSSEC is enabled for fio.cz, providing an additional layer of security by cryptographically signing DNS records. This prevents DNS cache poisoning and man-in-the-middle attacks that could redirect visitors to malicious websites. Our subdomain enumeration scan discovered 5 active subdomains for fio.cz: api.fio.cz, developers.fio.cz, ftp.fio.cz, m.fio.cz, and www.fio.cz. Active subdomains can reveal the organization's infrastructure, including development environments, API endpoints, and third-party service integrations.

The homepage of fio.cz contains 227 words of visible text content. This is a relatively short page — adding more descriptive content could improve search engine visibility. The page is structured with 8 H2 headings, 0 H3 headings, 2 H4 headings, 0 H5, and 3 H6 headings. The page includes 12 images. 6 images (50%) are missing alt text attributes, which is a significant concern for both accessibility and SEO. Screen readers rely on alt text to describe images to visually impaired users, and search engines use alt text to understand image content. Only 50% of images have proper alt text — we recommend adding descriptive alt attributes to all images. The link structure consists of 49 internal links pointing to other pages on the same domain and 11 external links pointing to third-party websites. There are 8 external JavaScript files, 3 CSS stylesheets, and 1 iframes on the page. The site implements the following web standards and features: robots.txt (controls search engine crawling behavior). Notable missing features: XML Sitemap and Schema.org structured data. Adding these could improve search engine discoverability and rich result eligibility. The website has social media presence across 3 platforms: Facebook (@Fiobanka), Twitter (@FIO_banka), and Linkedin (@fio-banka). An active social media presence is a positive trust indicator and helps build brand awareness and customer engagement.

The title tag for fio.cz is well-optimized at 52 characters: "Fio banka - účty bez poplatků a podmínek | Fio banka". The length falls within the ideal range for Google search results, ensuring the full title is displayed without truncation. The meta description is 145 characters (well-optimized): "Fio banka má účet bez poplatků a podmínek pro všechny. Je unikátním spojením internetové banky a široké sítě poboček. Na...". Google typically displays up to 155-160 characters of the meta description in search results. A compelling meta description with a clear call-to-action can significantly improve click-through rates from search results. The page language is declared as cs and a favicon is configured. No Open Graph tags are configured. When someone shares a link to fio.cz on social media, the platform will have to guess the title, description, and image — often producing unattractive or inaccurate previews. Adding OG tags is essential for social media marketing. The meta keywords tag contains 9 terms including Banka, ucet, účet zdarma, hypotéka, and hypoteka. Note: Google has officially confirmed that it does not use the meta keywords tag as a ranking signal. However, some other search engines (Bing, Yandex) may still reference it.