We co-entrepreneur with forward-thinking organisations to design
customer-led digital banks from the ground up.


It's all you need
to run a bank

Fidor provides all the expertise you need to bring your digital banking project to life. We think, design, test, build and go to market. Our innovative digital banking platform, fidorOS (fOS), packs all the necessary banking functions you need, from onboarding, card and account management and credit products to analytics. One platform manages them all!


Get started with FidorOS   

We give digital banking a meaning

It's not about the technology you use to serve your customers, but about how you use technology to make your customers feel like Number 1.
It's all about making banking convenient, easier, accessible and rewarding for your customers.
We build your bank so it brings tangible value to your customers.
Our unique approach generates amazing results.


Get inspired by our success stories below   

Fidor Bank

O2 Banking

Van Lanschot


Are you an established bank? We can boost your performance!

A lot can happen in 60 seconds with fidorOS: getting an emergency loan, paying friends on social media, sending money to the other side of the world… The performance boost is dramatic.


Discover Fidor Digital Banking Accelerator

Not a bank and want to become one?

We recognize the needs of consumer-led organizations. We’ve helped retail, transport, insurance or telecom firms expand their business model with unique digital banking services. We help you blend what excites your customers – free data, loyalty points, miles or whatever else your customers enjoy getting from you – with cool digital banking features. Just let us bring our license (if you need one), our cutting-edge technology and a full range of SaaS services. You bring your brand identity, your ideas and set your own limits!


Discover Bank as a Service








We are open

As a first adopter of Open Banking principles and API, we designed our fidorOS platform to be light-years ahead of traditional solutions. It quickly became an industry breakthrough –able to run an entire digital bank while ensuring growth and simplifying collaboration with third parties. Our vision for openness translated not only into our technology but also our corporate culture. We believe in sharing, co-creating and bringing value to each other.


Discover fidorOS


As a service company, we design digital banking solutions tailored to your needs.
Every project we create has its own uniqueness. The services below are just the tip of the iceberg of what we can do for you!


Bank as a platform

We plug fidorOS into your existing infrastructure. giving you a light-speed digital banking platform.  You increase your openness, speed and innovation while offering your customers a deeper and more satisfying experience.

read more


Bank as a service

Launch a new bank in a few months. Our white-label BaaS makes it possible, using our EU banking license or yours. Whether you’re building a challenger bank or adding banking services to a consumer-led organization, we’ll help you expand your business model into new sources of customer satisfaction – and revenue.

read more


Payment as a service

Eliminate your compliance and regulatory hassles! We process your payment flows and card and account management requirements so you can focus on your core activities.

read more


Banking on Community

Fidor's key vision for a better banking experience gave birth to a new kind of community: a digital trusted place where anyone can ask financial questions, increase their financial literacy, share their knowledge with peers and be rewarded.  

read more


Marketplace: Fidor Market

Enjoy a true example of successful Bank/FinTech collaboration. Fidor’s marketplace offers a curated collection of FinTech, InsurTech, TradeTech and tools – all available from one central place for total customer convenience.

read more


API & Sandbox

Access dedicated resources for developers and partners to explore our APIs and Sandbox: documentation, videos, API description and sandbox access in addition to a discussion forum.  

read more

Every project starts with
entrepreneurial thinking

Engage with us to kick off an inception phase that helps align your vision with
our six key pillars for success in digital banking:


Business      Technical      Operational      Compliance      Customer journey      Real business cases

Count on our team of experts to prototype and test innovations that fast-track your
project launch. Our proven method helps us fully define your project and work towards
a clear MVP, shrinking the time to go live. For example, we delivered o2 Banking
by Telefonica Deutschland in less than six months.


Get in touch with our consultants

How to describe us?

Consider us a fintech with a banking license – or a bank with a fintech mindset.
Either way, both have to go together if you want to sustain and grow in today’s digital era!

We are bankers, technologists and strategists with an entrepreneurial mindset. We come from various industries – banking, gaming, retail, hospitality – with only one focus in mind: the customer. Our passion for fintech has led us to the incredible journey of building our own challenger bank: Fidor Bank, with over half a million members. The success of Fidor Bank comes from our customer-centric culture coupled with fidorOS, our open banking platform that leads industry transformation.

The high performance of fOS generated atypical collaborations with bankers, retailers, telecom operators and more to create groundbreaking customer-centric banks. We bring you banking, technology, customer engagement and go-to-market expertise through Fidor group entities: Fidor Solutions, Fidor Bank and Fidor Factory. Our acquisition by Groupe BPCE, France’s 2nd largest banking group, signals the beginning of an incredible journey for global expansion.

Fidor Solutions      Fidor Bank      Fidor Factory      Groupe BPCE 


Meet the Fidor Group    

Meet the leadership team

Matthias Kroener

Co-founder & CEO

Michael Maier

Co-founder & Deputy CEO

Ge Drossaert

Group Chief Commercial Officer

Contact us and Sign me up for updates