FIO Bank can be connected to ABRA Flexi in three ways, which differ in the level of automation, license availability, and cost. This article describes all options – from manual statement imports, through online connection within the Advanced Banking module, to fully automatic payment transfers via the Dativery integration platform.
Comparison of connection methods
| Automatic connection (Dativery) | Manual import | Online native connection |
Method | External Dativery platform | Download file from bank and import manually | FIO token entered directly in Flexi |
Statement downloads | Automatically every hour | Manually | Manually |
Payment orders | Not supported | Export file + upload to bank | Send from Flexi + sign in Internet Banking |
Availability | All licenses + separate subscription | All licenses | Business license and higher |
Additional cost | From CZK 50 / month / account | Included in Basic license | Included in Business license |
💡 Tip: If you want statements to be downloaded automatically without any manual effort, use the automatic connection via Dativery. If you only occasionally need to upload a statement or payment order, the native online connection or a one-time manual import will be sufficient.
Automatic connection via Dativery
If you want statements to be downloaded fully automatically without the need for manual triggering, you can use the connection via the Dativery integration platform. Downloads occur every hour throughout the day, and imported transactions can be automatically matched with documents.
How to obtain a token in FIO Bank?
Log in to FIO Internet Banking.
Open Settings in the top-right corner and select API from the left-hand menu.
Click Add new token.
An alphanumeric key will be generated. Configure the following settings:
Permissions – either Monitor account (for downloading statements only), or Monitor account and submit payment orders (for both downloading statements and sending payment orders from Flexi)
Name (e.g., "ABRA Flexi")
Validity
Click Submit.
The bank will prompt you to authorize the request. Click Authorize and enter the Authorization code sent via SMS to your registered phone number.
After successful authorization, the token will appear in the API tab. Copy the token – you will paste it into ABRA Flexi.
How to set up the bank account in ABRA Flexi?
For instructions on setting up the account in ABRA Flexi and configuring automatic payment matching, see the article Bank connections.
💡 Tip: The online native connection and the Dativery connection are not mutually exclusive, but it generally makes little sense to combine them on the same account. If you need both automatic statement downloads and payment order submission, you can use Dativery for statements and the native connection for payment orders.
Manual statement import and payment order creation
The basic method of working with FIO Bank in Flexi – you download a statement from Internet Banking to a file and then import it into ABRA Flexi. Payment orders are created in Flexi, exported to a file, and manually uploaded to Internet Banking.
Supported formats
ABRA Flexi supports the following file formats for FIO Bank:
ABO – works only for domestic currency payment orders
statements with the extension
.gpcpayment orders with the extension
.kpc
SEPA XML – also works for foreign currency payment orders
statements with the extension
.xmlpayment orders with the extension
.xml
The functionality of both formats has been verified with the help of our customers.
Bank account setup
First, you need to set up the bank account in ABRA Flexi in the Bank Account List register (or in the WUI). Pay particular attention to the account number, file format, file folders, and file extensions settings.
Importing a statement
Download the statement from FIO Internet Banking to a file.
Place the file in the folder configured for the bank account (the Statements folder field).
In the Bank register, select Services → Import statements.
Creating a payment order
Once the setup described in the previous step is complete, create a payment order as follows:
In the Bank register, create a new payment order.
Click the Send button on the payment order.
In the export wizard, select the electronic format for the payment order.
Once complete, the payment order will be saved to the configured folder.
You then upload the file to FIO Internet Banking and sign it.
Video tutorials
Online native connection
ABRA Flexi allows you to download statements and send payment orders directly from ABRA Flexi using a FIO Bank token. No intermediary or separate subscription is required – the feature is included in the Business license and higher.
What is a token
A token is an electronic key that allows the bank to verify your identity and authorize access to your bank account. You can obtain a token free of charge directly within FIO Internet Banking.
Obtaining a token from FIO
Log in to FIO Internet Banking.
Open Settings in the top-right corner and select API from the left-hand menu.
Click Add new token.
An alphanumeric key will be generated. Configure the following settings:
Permissions – either Monitor account (for downloading statements only), or Monitor account and submit payment orders (for both downloading statements and sending payment orders from Flexi)
Name (e.g., "ABRA Flexi")
Validity
Click Submit.
The bank will prompt you to authorize the request. Click Authorize and enter the Authorization code sent via SMS to your registered phone number.
After successful authorization, the token will appear in the API tab. Copy the token – you will paste it into ABRA Flexi.
Entering the token in ABRA Flexi
In ABRA Flexi, open the Bank Account List and create a new bank account (or open an existing one). The procedure is described in the video: Creating a bank account and electronic banking.
In the bank account detail, go to the Online tab.
Paste the copied token.
Save.
Downloading statements
In the Bank register, select Services → Download online statements. ABRA Flexi will connect to FIO online and download all available statements that have not yet been imported.
Sending a payment order
⚠️ Warning: To send payment orders, the token must be configured with Monitor account and submit payment orders permissions. A token with "Monitor account" permissions only allows statement downloads.
Steps:
In ABRA Flexi, create a payment order and confirm it using the Send button.
The system will confirm that the payment order has been successfully submitted to the bank. A file with the payment order will also be generated in the configured folder.
The payment order must be signed in FIO Internet Banking. In FIO online, click the Overview menu and select Payment orders awaiting signature.
For the relevant payment order, click the "square with pencil" icon (sign) in the Actions field.
Click Authorize and enter the authorization code from the SMS.
📝 Note: The payment order is only submitted after authorization via the SMS code in Internet Banking. You therefore do not need to worry about Flexi users accidentally sending payment orders without your knowledge.