Do you plan to launch a credit card in the UK
I do NOT think they should start working on a credit card until they have done all the basic stuff like incoming SEPA credit transfers, IBANs, fully automated BACS credits and BACS direct debits, overdrafts, banking apps, etc.
Perhaps a credit card would be easier to launch, especially if 'piggy backing' off the likes of an existing provider and rebranding cards 'Fidor' ?
You may be right Sal, perhaps a white label Tandem card
IBAN is an important feature that needs implementation into Fidor services.