Flexibel. Digital. Banking
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.
Services
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Personal IBAN
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Affiliate program
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Cashback
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SEPA
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Loyalty program
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Insurance
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Multicurrency account
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SWIFT
-
Card
-
Crypto
Details
2009
Yes
Yes
Yes
Yes
English, Deutsch
E-wallet
EEA
GER
EMI
Main info
No
Yes
No
No
Yes
Yes
No
0 EUR/year
1) Fidor Debit MasterCard = 1 EUR/month
2) Fidor SmartCard = 2 EUR/month
5 EUR/month
0 EUR
1) Bank Transfer (SEPA) = 0 EUR
2) Other Methods:
- 0% <100 EUR
- 1,75% >=100 EUR
1) ATM Card PS = 0-3%
2) Other Methods:
- 0% <=3 trns
- 3 EUR/trns >3 trns
0%
EUR
11
1) <1000 EUR = 3%
2) 1001-5000 EUR = 2%
3) >5000 EUR = 1,5%
GBP, NZD, AUD, CAD, CHF, EUR, JPY, NOK, PLN, TRY, USD
Card
Business account
Merchant
Yes
Yes
Yes
No
MasterCard (Debit)
0 EUR/year
0 EUR
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))
1) Fidor Debit MasterCard:
ATM/24h = 2000 EUR
2) Fidor SmartCard:
ATM/24h = 2000 EUR
Yes
Yes
No
Yes
No
Yes
Yes
Fidor Smart Business = 5 EUR/month
0%
0 EUR
Bank Transfer = 0 EUR
1) Fidor Cash:
1 trns/30d = 0 EUR
>= 2 trns/30d = 3 EUR
2) ATM Card PS = 3 EUR
3%
Yes
Yes
0 EUR
5 EUR/month
User Reviews
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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
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
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.
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.