Tired of the old banks that don't listen to customers? Do you want to be able to send money to friends via their email address or mobile number? Do you want to receive fair advice on what's best for you and your current situation as well as exchange information with peers in the UK? Do you want to be part of the banking revolution?
Then the Fidor Smart Current Account is the right account for you! You can apply for an online account in minutes through our video identification process through which you can open and verify your account via IDNow mobile app or a web camera. If you are using a smartphone, please use the IDNow App. The web version is not supported on a smartphone, only on a laptop or PC/Mac. This is a quick and hassle-free method saving you time and effort. It is real-time, secure and gives you the opportunity to have a face-to-face interaction with your bank. As soon as your ID is validated, you will be able to enjoy all the account features including a competitive interest rate on your current account balance, the "Instant transfer to friends" feature, payments to other UK accounts, as well as sending money to the EEA (European Economic Area) at a competitive rate.
Please note that you can only open a bank account with a valid passport. Driving license is not accepted.
Free account, easy sign-up, video identification process, no credit check, attractive interest rate and no maximum balance
Directly linked to your Fidor Smart Current Account to make quick, easy and safe payments. Fidor Debit Mastercard Digital is issued with your account. If you need the physical TAP Debit Mastercard, you will need to order the card separately.
Fidor Smart Current Account Fees and Frees
|Interest Earned on Fidor Smart Current Account Balance||
|Transfers to the EEA||
|Closing Account *||Free|
|Real-time transfers within Fidor accounts||Free|
|Paying in via a Bank Transfer||Free|
*Only when your account is zero. If you have money in your account we can immediately transfer it to another account of yours. If you have a negative balance, you will need to pay the amount back including any applicable charges before being able to close your account.
A Debit Mastercard® made for you!
- Secure, fast, easy
- Automatically issued with the account opening (as of 28th June 2017)
- Immediately ready to use
- Free of charge
- Valid for 3 years
- Can be upgraded to the contactless Fidor TAP Debit Mastercard
- Valid for online purchases or via the phone
- Not valid for offline points of sale or cash withdrawals
To order the physical or the digital debit card, simply click on the button below and you will be transferred to your account page where you can order your card immediately. It takes less than 60 seconds to order a card and it is completely free of charge!
Upon receiving your card you can simply activate it online under the “Card Management” section in your account. Please note that you can only have either of the two cards and not both at this stage.
Don’t forget to go green with Fidor TAP Debit Mastercard. Fidor would like to contribute to the protection of the environment and gives you the opportunity to order the contactless card instead of automatically sending you one. So, if you feel you won't need it, you can opt for the digital card instead. We hope that you will join us in our quest for a greener environment.
Fidor TAP Debit Mastercard® Fees and Frees
|Order a Fidor TAP Debit Mastercard||Free|
|Debit Card Purchases||Free|
ATM Withdrawals per month (UK & worldwide)
Free first 3 withdrawals then 1GBP per withdrawal
(1.5% FX fees applicable)*
|FX Fees||1.5% on all non-sterling transactions|
|Replacement Card if Expired||Free|
|Replacement Card if Lost/Stolen||Free|
*Only if you get your account debited in the local currency.
At Fidor Bank, we are all about community banking and know happy customers are our best advocates. For this reason, we have decided to reward the community for their active participation in helping us spread the word on Facebook with the Interest for Likes feature.
The principle is simple: The more likes Fidor UK receives on Facebook, the higher the interest rate on the Fidor Smart Current Account balance will be!
The interest rate is currently 0.3% per annum.
Start spreading the word today and contribute to the increase of interest earned on your Fidor Smart Current Account!
|Fidor UK Facebook Likes||Interest Rate|
|Less than 2,000 Facebook Likes (reached)||0.25 % p.a.|
From 2,000 Facebook Likes
|0.30 % p.a.|
|From 4,000 Facebook Likes||0.35 % p.a.|
|From 6,000 Facebook Likes||0.40 % p.a.|
|From 8,000 Facebook Likes||0.45 % p.a.|
|From 10,000 Facebook Likes||0.50 % p.a.|
How it works
1. Sign up
Just click on Register and fill in the required fields! If our Smart Current Account is available to you, we will send you an email, which describes the next steps to open your account.
After we have successfully verified your identity through the video identification process, we will send you a letter including a security code within 7 working days. As soon as you enter the security code online, you will be able to start using all the functionalities of your account.
Your Fidor Plus
Our Fidor Smart Current Account is free and fits the digital lifestyle perfectly. It offers many advantages such as:
Easy – No credit check, no hassle, faster, saves you time. Open an account in minutes with the video identification process!
Participatory – The more likes we get on Facebook, the higher your interest rate on your current account balance will be!
Safe – Your deposits are insured up to the GBP equivalent of €100,000.
With the Fidor Bank mobile app balance checker for iOS, you have an overview of your money 24/7 wherever you are. You’ll have access to your balance and transaction history to maintain an up-to-date overview of all transactions.
Simply log in once using your accounts details and after this you will need to create a TouchID or Passcode to log in. This ensures your safety as your online banking password won’t be stored in the app.
The useful search and filter functions allow you to search through your entire transaction history, which is always available securely and safely on your device.
Your Fidor Plus
Notifications for your incoming and outgoing payments wherever you are - with the Fidor Mobile App Balance Checker.
Know your balance - iOS users can see their account balance and transfer list 24/7.