Fidor SMART Business

Annual account feeAccount fee
60.00  €
Cash withdrawal
Cash withdrawal note
Free cash withdrawals at shops of Fidor's retail partners. For withdrawals outside of Germany, Fidor charges 3 € plus 1.5% of the transaction amount for foreign currency withdrawals.
3.00 €
Interest rate p.a.
12,5 %
  • Bank offers English registration form
  • No account management fees for accounts with over 10 transactions a month
  • Foreign Currency & Crypto Currency purchases possible
  • Assistance Service for moving your account to Fidor
  • Telephone support
  • For credit balances of EUR 100,000.01 or more, a negative interest rate of -0.4% p.a. applies
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Fidor SMART Business
Grade 2.2
Yearly Fee
14 of 15
Onlinebanking & -fees
22 of 22
Telephonebanking & Offline banking
0 of 6
3 of 5
Credit Card & Bank Card
7 of 14
Card payments
10 of 20
Mobile payments
2 of 3
Flexibility of legal types
8 of 12
Apps, Useraccounts & Deposit Insurance
12 of 19
0 of 2
Accounting, Billing & other features
2 of 10
80 of 128
Grade 2.2
Bank Fidor Bank AG
Account name Fidor SMART Business
Annual account feeAccount fee 60.00 €
Credit interest
Interest rates on overdrafts 12,5 % p.a.
Costs & Fees
Annual Fees
Account fee p.a. 60.00 €
Credit card fee p.a. 36.00 €
Transaction fees
Online transactions free of charge p.M. Unlimitiert
Online transactions 0.00 €
Paper transactions
Telephone banking
Payment costs
Credit Card Mastercard
Fees per payment euro zone 0.00 €
Foreign exchange fee 1.50 %
Cash withdrawal costs
Free Withdrawals p.m.
Cash withdrawal (domestic) 3.00 €
Cash withdrawal (euro zone) 3.00 €
Foreign exchange fee 1.50 %
Legal forms
Freelancers & Sole Proprietors
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)

Fidor Bank is a direct bank from Germany. In addition to traditional banking services for private customers, the focus is also on corporate customers. This customer segment offers particular growth potential. True to the “Banking as a Service” concept, all services are digitized as far as possible. Efficient platforms and modern payment systems are tailored to the special needs of business customers. With the Fidor Smart business account, the bank offers an account for corporate customers that convinces with all important services and attractive prices.

Services of the Fidor Bank business account

The Fidor Smart business account was developed for corporate customers who want to conduct their banking business independently and digitally. Starting with the opening of the account up to the payment instructions, all processes are largely digitalized and automated. According to the bank, bank transfers, the recharging of prepaid cards for mobile phones or the purchase of precious metals can be carried out within 60 seconds. If required, an overdraft facility can be granted for the account and applications can be made online. The Fidor Smart Banking App was developed for mobile banking. Business customers can access their banking transactions anytime and anywhere.

For whom is the Fidor Bank business account suitable?

The Fidor Bank business account is in principle suitable for all self-employed persons. It is suitable for freelancers and businessmen, and even founders are well advised with the account. In addition, Fidor Bank also specifically addresses medium-sized entrepreneurs. With the Fidor Smart business account, this clientele finds all important services combined in a single product that remains affordable even with a large number of daily financial transactions.

Unlike other banks, Fidor Bank is also suitable for founders and self-employed persons who are still burdened with a negative credit entry. These customers usually find it very difficult to open a business account. Fidor Bank offers this group of customers a low-cost account with attractive services. In such cases, no overdraft facility is granted and the account must be managed on a credit basis.

Prices & conditions of the Fidor Bank business account

There are no account maintenance fees for the Fidor Smart business account. This clearly sets the bank apart from other providers. On request, a Fidor Business Mastercard can be issued as a debit card. The optional card is subject to a fee; the annual cost of 24.95 € for a Mastercard is reasonable. The interest rate for the overdraft facility is 12.50 percent, which is normal for the market if you look at the corporate customer segment.

Special features of the Fidor Bank business account

No credit interest is currently granted for the account. Here the bank does not differ from other providers on the market. Business customers with a credit balance of over 100,000 euros must note that a negative interest rate of 0.4 percent per year is required for a credit balance. The Fidor bank follows thereby a usual procedure, after corporate customers with high deposits a kind of penalty interest to pay have. Very interesting for customers with an online shop is the function “API-Connect”. It enables the account to be integrated into an e-commerce shop and controlled via the integrated interface.

Advantages and disadvantages of the Fidor Bank business account

The Fidor Smart business account is a good recommendation for any self-employed person. It is just as suitable for freelancers and founders as it is for medium-sized companies. The most important services are offered free of charge, and those who do without a credit card and the interest on disbursements receive a low-cost account. The negative interest on large credit sums is disadvantageous.

All advantages of the Fidor Bank business account at a glance

  • No account maintenance fees
  • Cheap Fidor Business Mastercard
  • Simple digital processing from the moment of opening
  • Top-up of prepaid cards for the mobile phone possible
  • Purchase of precious metals quickly and easily possible
  • Dispokredit available
  • Fidor Smart Banking App
  • API Connect

Open a business account with Fidor Bank

The business account at Fidor Bank can be opened online with just a few details. Documents such as an excerpt from the commercial register must be enclosed, provided the company is registered in the commercial register.

Conclusion on the Fidor Bank business account

The Fidor Bank is well suited for all self-employed people and for entrepreneurs who are looking for an inexpensive account with all the important services. In addition, optional services such as a credit card are available at the usual market price. If necessary, the business account can be managed on a credit basis.

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