SumUpCard payments: Mobile and hassle-free - with no monthly fixed costs!



Banking at another level. Total flexibility. Tons of extras. With more than 10 transactions, free of charge.

Mobile, digital and contactless.

No account fees for active customers.

Cash at over 12,000 retail partners.

Free digital Fidor Debit Mastercard®.

How to open a Fidor Smart Business Account?

Mobile Payment. All online. Be part of the community.

Your business is doing great. So it’s natural to expect the same from your business account. Smart, modern, innovative and totally transparent. The Fidor Business Account helps you to stay in control of your finances – anytime, anywhere. Whether on the web or via our Fidor Smart Banking App.

Manage your transactions, transfers, standing orders or foreign bank transfers, in real-time. Allowing you to focus on what’s really important: Your business.

Activity Bonus? Only with us.

Also in the future, we want you to be able to use your Fidor Smart Business 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 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.

Our Business Account. Manages more than just money.

The Fidor Smart Business Account provides you with instant access to our extensive Community network. This is where finance-enthusiasts can meet and exchange knowledge with like-minded individuals.

You’ll also benefit from our low fees when conducting international bank transfers in foreign currencies or when using our physical Fidor Business Debit Mastercard®, for only 3 € per month. For young and aspiring companies, we also offer our Speed Overdraft with 12.5% interest p.a., available to you as a fully legitimated customer after just 60 seconds – free from all bureaucratic hurdles.


9 reasons for a Fidor Smart Business Account:

We don't stand still. We stay at the forefront of technology.


Open your account,
fully digital.


Forget the fees
with more than
10 transactions
per month.


Get our digital
Fidor Business
Debit Mastercard® -
free of charge.


Use Apple Pay
or Fidor Pay.


Withdraw cash
using Fidor Cash
at over 12,000
retail partners.


Apply for our Speed Overdraft, totally


Manage transactions
in real-time.


View your 
in our Crypto-


Get exclusive
access to our
selected partners.

Go further, with Fidor.






Banking at another level. Total flexibility. Tons of extras. With more than 10 transactions, free of charge.



Currently, you can’t use one mobile number for two separate Fidor accounts. Why is this?

As a customer, you basically have the option of sending money to a mobile phone number or alternatively to email addresses with each Fidor account. To make sure the amounts from a remittance can be assigned correctly to the recipient´s account, a unique phone number and email address needs to be saved for the Fidor account.

Perhaps it’s helpful to point out that some mobile operators online offer free prepaid SIM cards without monthly fixed costs. Shipping is usually free, which means you don’t incur any extra costs here. Please check out the websites of the relevant providers for more information.

You’ll have received a personal identification number (tax ID) from your tax office. This has eleven digits and can be found on your payslip, amongst other official documents.

That’s the case if the security features of your ID are unknown to our legitimation partners. 

For security reasons and to protect your account data, we require a selfie from you if you wish to change your complete access data (phone number and email address). A selfie is not necessary to change your mobile number or email address individually, because not all the access data have to be changed.


Receive mobile and uncomplicated card payments
without monthly fixed costs - with exclusive conditions
for Fidor customers!

More infos