Fidor Bank

Everything is ok, fast email support, no problem to communicate with them in English. One suggestion : to put the App on all Applestores (I can't get the app right now, maybe they'll terminate my account because of that). Strongly recommended bank.

In response to Fidor's blatant lies below.

On 2/10/2020 you received an email from my mother, with the letters the police have sent her. So you know full well she has contacted the police yet you still insist on telling her to contact the police. (this was done the second she realised)

You have been sent the CHAPS transfer payment form with your customers account details on there, this was most certainly an actual account. Yet you are claiming you cannot locate it.

Are you aware that Fidor are legally obliged to keep records? – See Article 16 of Regulation (EU) 2015/847

In regards to you constantly hiding behind data protection laws to refuse handing over information about the account you allowed a criminal to open.

Please read – Data Protection Act 2018 – Paragraph 5(3)(a-c) of Schedule 2, Part 1, which reads:
The listed GDPR provisions do not apply to personal data where disclosure of the data is necessary for the purpose of, or in connection with, legal proceedings (including prospective proceedings), ..

So the "LAW" allows you to release all data for a potential civil court claim. The fact I have yet again quoted the "specific law" in relation to data protection and you have not responded directly to this "law" speaks volumes.

But you should also be aware that at this stage I am happy for Fidor to merely send the transaction history of the account, as this can be done without giving away any personal data, despite the law allowing you to.

If you could also provide full details of the process by which the account was opened and exactly what documents and other references were used to validate the ID of the person who opened the account? Again no item of data that would identify the person is needed to answer this.

If Fidor bank would also tell me what systems are in place to in relation to The Terrorism Act 2000, the Proceeds of Crime Act 2002, Money Laundering Regulations to identify fraudulent transaction?

Guidelines under Article 25 of Regulation (EU) 2015/847 read:
30. PSPs鈥?and IPSPs鈥?systems should be configured in a way that triggers alerts should a high-risk indicator be detected. High-risk indicators may include, but are not limited to:

a) transfers of funds that exceed a specific value threshold. When deciding on the threshold, PSPs and IPSPs should at least consider the average value of transactions they routinely process and what constitutes an unusually large transaction, taking into account their particular business model;

Is your average transaction really more than 拢30,000? As if not it seems you have breached EU guidelines by not having a system that triggers alerts when high risk transactions are made.

Fidor claims to be at the cutting edge of banking technology, a leader in Fintec… yet you seemingly have no system in place to detect high-risk transactions.

This account had been open a matter of weeks, and 拢30,000 arrived in the account, with no checks whatsoever, and then 拢30,000 left the account 4 minutes later. Yet you have no system to alert you to this.

So as I have proven your response below is incorrect, I ask will you now start responding in a helpful way?

Fidor has one of the most idiotic "support" or customer care centers ever seen. Sending E-mails as SPAM / Phishing. Closing accounts w/o reasons. Cannot recommend as a serious banking service. Customer care people are uneducated and unfriendly !

If you trade on Bitcoin.de because they offer express trading, this is the good point with this bank.
The weak point is their customer support which is extremely slow. But generally you would not need it.
I will give 5 stars if the support improves.

not dependable against identity theft. had my card fraudulently used on audible. when i got in touch with audible they were quick to alert me on what to do re my bank as well as the process for getting a refund (police case nr etc)
i got in touch with fidor via email and telephonically, and they only responded to me 7 days later telling me to deactivate my card. i cannot stress enough, it took them SEVEN DAYS to respond. and nope….i got no refund from fidor either! ***update*** after being ignored by fidor on this issue for many months, the day after this review is published, suddenly they are interested in resolving the issue. proof again, they are a bank best avoided

EDIT 01-10-20 – ANOTHER technical glitch. login not possible on the website for about the past HOUR. no warning on the website, customer service email ignored, helpdesk call no answer (after 12 minutes hold)

Fidor started to charge my account without notice and do not want to reimburse the fees. Would recommend N26 for easy and customer-friendly banking

Become bad when it got took over by French company. Now I try to cancel the account but even the confirmed twice the account is still open and the keep charging !

Let them make the additional 5 EUR. The will be soon out of business anyways

Very bad experience my account is locked in balance over 2000 eur and bank not replay to me looks not serious.
At first bank as me document I sent it after that they told me your account will be close by 2020/08/03 but account still locked so I can't use my balance.
Looks I should contact to BaFin and EBI to fix situation not recommended use it !
2020.06.08 Update:
Problems still not resolve just ask me proof of asset translate to German ( who cover translation fees) that okay i paid translation fees over 100 euros but my balance still hold on Fidor. If bank closed account should be option transfer money to others bank ??
Today spend 2 hours try to call Fidor anybody cant talk in Eglish why if bank take international client cant hire English agent 馃槨 i will update my story.. but be Carefully with Fidor now around 1 month and happens nothing…
2020/06/09
Looks like fidor support ignore me every time i got same answer apologies and bank account will be close. I ask 3 or 4 times transfer my remain balance to others my bank but they ignore me every time looks not serious.. i will keep update
2020/06/11
Still waiting Fidor confirmed as received translation of documents but nothing happens yet.
I will keep update
2020/06/15
What wrong with bank support still nothing happens.
Looks I should go to my lawyer I hope he can boast process.
I will keep update
2020/06/17
Ask me selfy to unlock account i sent but nothing happens
2020/06/18
I'm not sure how this bank work but today received email account will be unlocked but try login and account still locked…
If you wanna wasting tons of your time welcome to work with fidor
2020/06/22
Still waiting nothing happens..
Worst bank ever
2020/06/24
I can confirm account bank to normal standing after long story

I was in the process of making a video verification with Fidor. They wanted my latest electricity bill as proof of address, which I produced. In the country where I live, electricity bills are issued every three months, and each bill clearly states that it covers three months. Mine was issued three months ago.

Due to the COVID-19 virus pandemic, many businesses are on lock down here, and therefore, I haven't received a bill this month. However, a bill issued three months ago should be sufficient to proof my address, especially since I also showed them my ID card with the same address.

Fidor continued to insist that the bill was too old. In retrospect, maybe they are unable to read English, since they insist on sending every email and communication in German. It may come as a surprise to Fidor, however many people who don't live in Germany, don't understand German. It's only professional and polite to send communication to potential international customers in English.

Fidor also refused my bank statement, which was sent this month. The reason for this is incomprehensible.

Do Fidor think that I'm happily hopping from residence to residence during a bloody pandemic? Moreover, our airport is on lock down, which highlights the critical situation we're in.

The people working for Fidor seem very inefficient. To me that indicates that the company is untrustworthy.

This bank is blocking my account and ignoring all communication and support since beginning of the year for 3 months now. They scam you by blocking your access, denying all communication and then charging new maintenance fees for an account that you cannot use and you even cannot transfer funds from them. Avoid this scam bank!!!

Fidor bank,
I want to transfer all my money to another bank and close my account in your bank. Now you limited my access to online banking so I cannot use it anymore. I still can use app but there is a daily limit that I cannot change… What I should do to transfer all my money to another bank and close my account as soon as possible???

I had one year using Fidor bank account fine, however they started to change policy and it did not fit with me anymore..therefore I left the account balance as 0 and moved all my funds to somewhere else. Back in December 2019 they started to charge me account service fee and cut money directly from that account without informing me. I cancelled the account immediately early December, in January 2020, I got another email to ask me to pay for the account service fee……To write email is in vain, no one answers; to call is also the same, no one answers. This is insane!!!! I put stars in two instead of one, because I still have 1 year fine with them! But not anymore!!!!! UPDATE right after their response below: After so many negative reviews on your bank, I see no real apologizes from you. I change the two stars to 1.

Super unfriendly and unsupportive staff, terrible banking experience: Filed an online fraud, emphasized on urgency as fraudster was in the UK – NOTHING HAPPENED FOR 6 MONTH! I called every week, just to FILE THE SAME TICKET OVER AND OVER AGAIN! Finally, they started a Reverse Charge process – and of course, nothing happened as time ran out. Banking comes from trust – and I don't trust this "bank" anymore. Change your account and leave the bank as soon as you can!!!! Go to Penta or Qonto

I have used my free bank account without problems for over a year. Then I didn't need the account anymore, so transferred remaining funds to my day-to-day account (wanted to delete the account but no clear info on the website on how to do so). Then, some months later, I'm notified that I'm in the negative – turns out Fidor has started charging monthly fees without clear communication! This was never properly communicated, the internal message system alone does not count as you're not notified of a new message, and no email was ever sent. When sending them an email to complain and request closure of the account they take more than a month to reply, saying that yes they can close the account but I still have to pay the fees that I never agreed to. Illegal, fraudulent and banking maffia are some words that come to mind, stay away!

2 weeks and still waiting for a response to an urgent matter. no answer when I call, standard email response 'your issue will now be clarified for you promptly'. is this bank still in operation? how can they have no way of being contacted?

They don't accept my account termination to keep earning their 5 EUR per month. Very poor. Bad customer service.

Fidor is an absolute disaster! I try to reach them to close my account. Nobody answers the phone even after hours on the line and nobody answers an email for weeks! And then they charge you for not closing your account for another month. This is just ridiculously bad customer service.

And then they claim that they informed you about a change in the AGB which is simply not true. I have received no email or letter from Fidor for over a year and certainly not on the date they claim they sent one.

This bank is a fraud – keep away!

i made an account by the bank, but the same day I changed my account data they send me a letter to tell me they closed my account.
I had to ID myself.I did that too. Multiple times. No result. No reopening of the account for the remaining time till termination.

I wanted access to my account, I have done that ID thing multiple times, I was also calling and waiting on the line ….for hours…no exageration, I am right now on the line and I have been staying on the line for more then 40 minutes…absolutely no answer!

They had neither reopened my account till the time it expires, nor answer my phone calls nor even transferred my money to another one of my accounts. I have my landlord wants to kick me out because I can麓t manage to get the money from them and pay my bills.
Ah, plus they told me that actually I have terminated my account with them. No I did not, they mixed my account with an old, closed one. What a joke!
The client service is completely useless and close the phone in your face… that is if they answer…
I never once had access to my own account online! Not once even!

The last week I tried to call. Nobody answered me.

If I could give less than a star I would.
I will never ever advise anyone or make myself an account with this bank. So deeply disappointing.
They create financial problems to their clients because they don't do their designated job, what a joke!

Without announcement started to charge me monthly 5 EUR inactivity fee. This is very close to fraud!

Update on the answer: Fidor put announcement in the "Sonstiges" folder in the postbox on their web site (which i no longer use). Fidor lies about email. I get no mails from them after April 2019 and until a few weeks ago when they started complaining that my account is in minus because of their new fees. In fact, it seems that they changed my notification settings to prevent delivery of fidor internal messages to my email to prevent me from knowing about their manipulation with prices.
Furthermore, i have immediately requested to terminate my account (over email as nobody seems to answer the phones and there is no other way to close account). They ignore these emails already for 2 weeks, but have time to post lies here.

Suddenly they begin to charge you for a free Account.

Fidor Bank AG: Its verification is a joke. Although i have a European residence permit and It does not accept the passport of some countries.

I had a Fidor bank account. I have used more than 1 year and it was fine. But, suddenly, I got an email that my account will be closed without any specific reason. Ordentliche K眉ndigung? I have contact the supporter and the answer was so funny. They said "We can close the account without any reason. Please take back your money within 2 months.". I see many reviews that their credit is locked. Don't use Fidor bank. You can lose your money if you don't focus your account.

MY CARD STILL DOESN'T WORK
I wrote a review on October 18th explaining that my card was always declined except from ATM withdrawal. I live in Paris and when I use it at any business or vendor I insert the card and it doesn't ask for my PIN! It simply says "declined".

The response I received from FIDOR explained, "The terminals are asking for a signature and it is required to give a PIN. You must ask the vendors to make sure the terminals are adjusted for a PIN."

I have tried everything and every business has tried to get my card to read and it simply won't. It only asks for a PIN at the ATM. My American visa? Asks for signature and I sign. My American debit card? Asks for a PIN, which I enter and everything works. FIDOR IS THE ONLY CARD NOT WORKING. I requested a replacement card, and confirmed just last night (06/11/19) that yet again my new card does the same thing and doesn't work. Only by ATM.

This is completely unacceptable. Nearly all of my funds are in this bank and yet…I'm sitting here not able to spend my money except for cash. WHAT DO I DO?

FIDOR – please address this problem if you see this. My email reference number I received is: 2152717 FIDE

Here is 2 months can get back money on card still blocked by bank.
Their answers:
They always promise to check and fix but nothing changed. Money is still blocked

They only say no competence, must forward to someone in backoffice – not helpfull

Yesterday our lawyer sent them letter.

And worst they was so quick to apply me here on site for violence, why you are not so fast to solve problems and answer emails. Not like here with stupid answers we are sorry… bla bla. SHAME YOU

What to say DISASTER !! CONTINUE
I made review for problem E-Mail-ID FiDe-2127949 still pending 🙂 🙂 🙂 50 DAYS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

OWNER OF ACCOUNT CALLED DAYS AND WAIT 1 HOUR IN LOOP NO OPERATOR, HOW TO REACH YOU. I got email from Fidor Bank that owner contact Fidor to see option. Week can't get anyone on phone, email received standard, ticket still in process…

Fidor.de used to be great. I have had an account with them for nearly 3 years and have not had any problems, but in the last few months, it has deteriorated massively.

Unfortunately, Fidor.de customer service has completely disappeared. I sent a few questions regarding the tariff changes on the 29th August and have followed up with another email on 30th September but still no reply. I've called today and after an hour of "hold" music, I have given up.

I realise you have now closed your UK bank, but surely there is still someone in customer service in Munich? Or did all your customer service people work in the UK and have now been sacked?
I really don't want to close my account as I use it to send funds to my family, but if you cannot answer some simple questions, I don't have a choice.

If anyone at Fidor.de reads this, my email ref is 2067624 FIDE (from the confirmation email you sent me on the 29/8/19). PLEASE RESPOND!