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mwri - 21/06/2017 - 16:10:57

Hot-wallets (covered under financial insurance license)

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in the category Virtual Currency

Will Fidor offer crypto-currency hot-wallet (online wallet) service in the future (and also covered under financial insurance license).

If you do this, you will have beaten the banks to the race.


mwri wrote on 22.06.2017 at 09:03

I am curious to hear if and why you would see this as either a good or bad thing.

Having your crypto "currency" covered under finance insurance is a good thing, you can recoup any lost (depending on fair market value at the time).

It would add "confidence" to holders of the "currency".



db1978 - 06/06/2017 - 16:56:56

2FA - Need alternatives to SMS

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in the category Customer Satisfaction

I have been having issues receiving SMS from Fidor and it is only Fidor that I have the issue with. I have had many other SMS messages in the 5 days that I have not received a Fidor message. It would be great if Authy, Google Authenticator etc. were options.


RdoubleC wrote on 06.06.2017 at 17:47

Agreed. SMS 2FA is simply not secure and is no more convenient than Authy or Google Authenticator unless you do not have a smart phone. But I'd be very surprised if anyone using an online only bank doesn't have a smart phone.


mwri wrote on 21.06.2017 at 16:18

We need/want the following 2-factor authentication methods.

(in order of least most vulnerable to least vulnerable)

1) TOTP (FreeOTP, Google Authenticator etc) - Time based OTP
2) FIDO U2F (YubiKey etc) - public/private key 2FA
3) FIDO UAF (password-less) - Biometrics 2FA

We are moving away from TOTP to U2F then onto UAF.

Nobody wants SMS or email authentication anymore.

FreeOTP is an open-source app for mobile OTP (source is on Github), TOTP is an IETF standard (RFC 6238)

Nobody should trust any finance or privacy to SMS/Email authentication at all.



Zerolski - 31/05/2017 - 00:52:59

More integration

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in the category Current Account

It would be great if Fidor intergrated with more online systems, e-commerce and even with PayPal. It would make it more flexible and a greater platform!


ZoeCFaircloth wrote on 16.06.2017 at 15:55

Great tip!


mwri wrote on 23.06.2017 at 10:30

Also Stripe (cheaper for merchants than PayPal).



sanjaygane5an - 21/05/2017 - 11:02:22

International Money Transfers

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in the category Foreign Exchange

International Money Transfer to Rest of the World is a product that many in the UK and Europe use to send money back to their home countries in Asia.
Some USP's for this would be :
1. Best competitive exchange rate
2. Zero or nominal fees for any amount
3. Transfer to receivers account in hours
(same day if before a cut-off time on
weekdays)


Tiger - 25/04/2017 - 15:32:18

Home and Vehicle Insurance

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in the category Home Insurance

This I feel could be a winner for Fidor, With Home Ownership on the increase. A New name on the Insurance Field would undoubtedly attract attention. If they could not totally Finance this themselves I would suggest linking up with one of the Big Boys in this Industry.
Also Vehicle Insurance Car ownership in Particular is on the increase so the Market Place is getting Bigger. Offer Inducement for Energy Efficient and Low Pollution rated cars.


MIROW - 24/04/2017 - 13:19:36

SOFORT payments

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in the category Current Account

Could Fidor UK join the SOFORT payments network


DRamtulla - 19/04/2017 - 21:27:22

Sort code and Account Details On Statements

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in the category Accounts

As the title suggests it would be great since the introduction of our own account numbers and sort codes if this would be included in our monthly bank statements. As most business doesn't accept it as proof of income because it misses this vital information.


garethedensmith - 13/04/2017 - 13:02:00

Automated Left Over

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in the category Current Account

Once direct debits have been integrated along with standing orders, it would be great if the system knows the total cost of your Direct Debits and Standing Orders and then only allows you to spend what is left over.


horologist007 wrote on 14.04.2017 at 08:44

finance control is more of a personal thing. Banks dislike this as they can;t have charges for people going into Over drafts and in negative



akiveli - 09/04/2017 - 14:10:46

direct debits

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in the category Current Account

need direct debits on this bank, everyone uses one or more and im suprised there is no word of it on here. thanks


MIROW wrote on 09.04.2017 at 16:54

It has already been suggested before as a product suggestions (e.g. 9/11/2015 and 29/11/2016) and it also had been discussed lots of times in the community, just a simple search for "Direct Debits" brings up over 15 pages of news and commentary type posts where users have asked about, requested or discussed Direct Debits.


rcstach wrote on 03.06.2017 at 23:16

The day we can have direct debits is the day I make Fidro my main bank account



hectorniyan - 01/03/2017 - 10:18:28

Bitcoin Wallet

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in the category Virtual Currency

I suggest (and I am sure you have thought of it)
1) offering a bitcoin wallet
2) linking with bitocin.de (as you do in Germany)
3) providing a EURO and GBP bitcoin debit card.
C'mon guys!


MIROW wrote on 01.03.2017 at 15:40

BT tell me "Sorry, the website bitocin.de cannot be found"


JoelDalais wrote on 01.03.2017 at 16:00

1) Sadly won't happen.
2) I don't see why not, but again not very likely to happen.
3) See no 1.


hectorniyan wrote on 01.03.2017 at 21:34

Sorry typo. Should be bitcoin.de



It's your turn.
Got an idea for a financial service, in app or internet banking function or a new innovative product that you would like Fidor to implement? We would love to hear from you here. After all, Fidor is YOUR bank. All product suggestions are being reviewed frequently by the Fidor team and potentially implemented depending on market research and traction amongst other Fidor customers. Before creating a new suggestion please check a similar suggestion doesn’t already exist to make it easier for the community to discuss suggestions!

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