Fidor Bank

Fidor Bank
Neobank
Payment Processing
Crypto
Сredits and loans
Investing/Trading
Money Transfer
Business
Merchant
Savings
Personal
Multi-currency
Debit card
Virtual Card
Referral program
Mobile Apps
SEPA
IBAN
Rating 2.00 4
We calculate the rating from AskWallet editorial and user ratings

Fidor is an internet-based direct bank offers online private and business accounts for freelancers, self-employed and firms. It offers conventional banking services and integrated financial apps from partners. Its products portfolio includes online savings bonds, credit cards, deposit accounts etc. Users can also invest in foreign currencies or buy precious metals.

Rate

Services

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Founded: 2009
Has mobile app: Yes
Has web version: Yes
Has apple pay: Yes
Has google pay: Yes
Contacts: info@fidor.de
Languages: English, Deutsch
Available in these countries: EEA
Jurisdiction: GER
Licenses: EMI

Main info

Has insurance: No
Has trading: Yes
Has budget planner: No
Has bill split: No
Has iban: Yes
Has sepa: Yes
Has swift: No
Virtual card service fee: 0 EUR/year
Service fee: 1) Fidor Debit MasterCard = 1 EUR/month
2) Fidor SmartCard = 2 EUR/month
Main service fee text: 5 EUR/month
Account opening fee: 0 EUR
Withdrawal fee: 1) ATM Card PS = 0-3%
2) Other Methods:
- 0% <=3 trns
- 3 EUR/trns >3 trns
P2P fee: 0%
Main currency: EUR
Number of currencies: 11
Conversion fee: 1) <1000 EUR = 3%
2) 1001-5000 EUR = 2%
3) >5000 EUR = 1,5%
Credit: https://www.fidor.de/en/loans/installment-loan
Interest account: https://www.fidor.de/documents/PLVZ_Fidor_Retail.pdf
Other currencies: GBP, NZD, AUD, CAD, CHF, EUR, JPY, NOK, PLN, TRY, USD
Card
Business account
Merchant

Card

Has virtual card Yes
Has card Yes
Has multicurrency card Yes
Personal credit and loans Credit cards No
Virtual card service fee 0 EUR/year
Card provider MasterCard (Debit)
ATM withdrawal fee 1) Fidor Debit MasterCard:
- 0 EUR (in GER)
- 3 EUR (non-GER)
2) Fidor SmartCard:
- 0 EUR (in GER (2 trns/30d))
- 2,50 EUR (non-GER (> 2 trns/30d))
Card limits 1) Fidor Debit MasterCard:
ATM/24h = 2000 EUR

2) Fidor SmartCard:
ATM/24h = 2000 EUR

Business account

Business account has IBAN Yes
Business account has SEPA Yes
Business account has SWIFT No
Business account has business card Yes
Business p2p fee has conversion No
Business account deposit methods and fees has conversion Yes
Business account withdrawal methods and fees has conversion Yes
Business account service fee Fidor Smart Business = 5 EUR/month
Business account P2P fee 0%
Business account affiliate program https://www.fidor.de/en/affiliate
Business account opening fee 0 EUR
Business account deposit methods & fees Bank Transfer = 0 EUR
Business account withdrawal methods & fees 1) Fidor Cash:
1 trns/30d = 0 EUR
>= 2 trns/30d = 3 EUR
2) ATM Card PS = 3 EUR
Business account withdrawal methods and fees percent: 3%

Merchant

Has recurring payments Yes
Has cards acquiring payments Yes
Merchant account opening fee 0 EUR
Merchant service fee 5 EUR/month

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Reviews by users

Review and rate Fidor Bank

social-icon Ivis Latkovskis

End of last year I open a account with them all I ask for was the IBAN and SWIFT/BIC number to be able to receive money from abroad . This is however to technical for them I still do not have it now more then 8 weeks on. ON my online account it gives me the bank account and sort code but not the simple info every bank has iban and swift/bic. Today they send me a email in my opinion threatening informing me if I do not give a scanned passport copy within 2 weeks they close my account.I have not even been asked to send them such before.POOR ALL I CAN SAY.I replied telling them if they are to unprofessional to supply me with what I need then I need not the account and therefore they need not my passport .Every legit bank has a iban and swift or bic end off

social-icon Manisha Roy

End of last year I open a account with them all I ask for was the IBAN and SWIFT/BIC number to be able to receive money from abroad . This is however to technical for them I still do not have it now more then 8 weeks on. ON my online account it gives me the bank account and sort code but not the simple info every bank has iban and swift/bic. Today they send me a email in my opinion threatening informing me if I do not give a scanned passport copy within 2 weeks they close my account.I have not even been asked to send them such before.POOR ALL I CAN SAY.I replied telling them if they are to unprofessional to supply me with what I need then I need not the account and therefore they need not my passport .Every legit bank has a iban and swift or bic end off

social-icon Guiseppe Böttcher

This assessment is primarily the result of recent experiences. When I opened my account, it was still free. Then account management fees of 5 euros / month were introduced. One can perhaps still understand this, but then one also expects ""good customer service"" and working access to his account. Both are not always the case with this bank. What has been really annoying me for a while now are the constant problems logging into the website. Transferring something is not always possible. The icing on the cake was when I finally canceled my account. On the last day I wanted to download the current account statement and the one from the previous month. Both were only possible in the late evening because logging in was again not possible from morning to evening (July 31st). At some point, for a change, Fidor Bank sent an email apologizing for the technical problems. But then it doesn't help either. So you can sit in front of your PC the whole day and try to log in if you don't want to pay 25 euros per bank statement afterwards. This is because these are not made available for free even if the customer cannot log in himself due to technical problems at Fidor Bank. The 'customer service' I therefore recommend anyone who closes their account with this bank that they may prepare for such problems.

social-icon Kevin Wolter-Schenk

Ich bin nun schon seit 6 Jahren Kunde bei der Fidor Bank und kann mich eigentlich nicht beschweren, jedoch musste ich 1 Stern abziehen, da die Kommunikation wirklich ein Problem ist. Solange man selbst keine Probleme hat, läuft ja eh alles ohne notwendige Kommunikation. Tritt jedoch ein Problem auf, so wartet man halt schon gut und gerne 7-10 Tage auf eine Antwort. Das muss unbedingt verbessert werden. Ansonsten finde ich die App übersichtlich, die Online-Version ebenfalls und die angebotenen Funktionen wie Bargeldeinzahlung und Bargeldauszahlung in vielen Supermärkrten echt ausreichend. Apple Pay funktioniert ebenfalls tadellos. Selbst als ich letztes Jahr keinen neuen Dispo bekommen habe und meinen alten zurückführen musste war man sehr kulant und hat mir die Rückführung in Raten angeboten.