FIDOR Smart Current Account
Total flexibility. Tons of extras. And with enough actions, free of charge.
Mobile Payment. All online. Be part of the community.
It can be hard to find a current account with exciting and cool features. But that’s just what we offer here at Fidor Bank. Sign up for our banking package, perfectly tailored to your needs. Includes a bank account, digital Fidor Mastercard® with mobile payment and the Fidor Smart Banking app.
And that’s not all Fidor has to offer. On top of all this, you will immediately become a member of our knowledge community. Security is always our top priority. Receive transaction notifications in real-time and using Geo-Blocking, easily manage the countries where you want your card to be valid. Get access to exclusive partners. And the best part, with enough actions on your account, it'll be completely free of charge.
Activity Bonus? Only with us.
Also in the future, we want you to be able to use your Fidor Smart Current Account, totally free of charge. Simply use your account to conduct more than 10 transactions per month, and we'll give you an Activity Bonus* in the value of 5,00 € - ensuring that your account stays completely free.
The following transactions count:
- Incoming and outgoing SEPA- and international transfers, as well as direct debits
- Internal Fidor transfers
- Payments with your Fidor Mastercard, whether at the Point of Sale (POS), with Fidor Pay, Apple Pay or online
- Buying / selling of foreign currencies
- Buying / selling of crypto currencies via Bitcoin.de express trading
- Paying-in or withdrawing cash using Fidor Cash - or withdraw at any ATM.
*Excluded from the possible Activity Bonus payout are current accounts with an active seizure, seizure-protection accounts (so-called P-Accounts), basic accounts and insolvency accounts.
Do you have an active Fidor Instalment Loan? Then you won't have to pay the account fees and can continue using your account, free of charge. In the case of an early termination, or at the end of terms of the respective product, the account fees will be charged the following month.
Our Current Account. Manages more than just money.
Together with the Fidor Smart Banking App and your free digital Fidor Debit Mastercard® we offer you an innovative and digital banking experience. A current account that is as smart as you. With real added value: You may wish to use your Fidor Smart Current Account for standard banking activities, salary payments, transfers and standing orders... but you also have the option to trade crypto currencies and foreign currencies.
This offer can only be found at Fidor. But there’s even more! Split-second transactions between Fidor accounts and transfers using email addresses & mobile phone numbers. Are you ready? We can help you to switch accounts. Convenient and also completely free of charge.
*All prices and services listed in the currently valid custodial fees contained in the service specifications for ADR's/GDR's, XETRA Gold are excluded.
The Fidor Smart Current Account is a digital cash management platform that allows you to easily manage your finances. You can securely make purchases online, access attractive deals, trade in foreign currencies and acquire virtual currencies.
The Fidor Smart Current Account is currently only available in €.
No, all natural or legal persons can currently only have one Fidor Smart Current Account.
- Our Fidor Smart Current Account costs 5,00 € per month.
- If you conduct more than 10 transactions per month, your Fidor Smart Current Account will receive our Activity Bonus and end up free of charge.
- The currently valid fees can be found in our price list
- You must be at least 18 years of age and a resident of the Federal Republic of Germany.
- Only fully registered Fidor Bank customers can take full advantage of the Fidor Smart Current Account.
- We require the following details for our streamlined registration process: Email address and your full name. Use your Fidor Bank Community password when registering for the Fidor Smart Current Account. You can also use the streamlined registration process if you are already a Fidor Bank customer (e.g. if you already have a Fidor savings certificate).
- Once you have completed the registration process, you will receive a 10-digit Fidor Smart Current Account number.
- Please provide a valid bank account and mobile phone number for your deposits and withdrawals. The account must be in the name of the account holder with a domestic bank.
- The Fidor Smart Current Account from Fidor Bank AG is a transaction platform. For security reasons, transfers are only possible via a mobile TAN. We will send you the mTAN after you have entered your transaction data and confirmed by text message using your specified mobile phone number. Please confirm your request with this TAN. (Please note: the TAN is only valid for a single transaction)
- You can currently only register or be registered for one Fidor Smart Current Account. The Fidor Smart Current Account must be used solely by the registered user in their own name and for their own account.
- You will not be able to close an existing account at Fidor Bank if you still owe money to other users (e.g. if you have borrowed money).
Valid customer data
Fidor Bank attaches great importance to valid customer data. Depending on the user profile, the following requirements must be met:
To participate in the Fidor Bank Community we only need the e-mail address and the first and last name of the user. Registrations are possible from the age of majority and with permanent residence in the Federal Republic of Germany.
The password you provided for the Fidor Bank Community is valid to use a Fidor Smart current account. We also need your mobile phone number for the mTAN procedure, as well as a verification of your data via VideoIdent. Registrations are possible from the age of majority and with permanent residence in the Federal Republic of Germany.
Only fully authenticated Fidor Bank customers may use the Fidor Smart checking account to its full extent, conclude high-yield savings products, transfer money to any account, trade in foreign currencies and much more. - without limit restriction. The VideoIdent procedure is available to those who wish to authenticate themselves.
A Fidor Smart current account may only be used by the registered user in their own name and on their own behalf.
Closing an existing account is not possible if debts with other users are open (for example, because you have been loaned money).