Who wants to be owner of the first SmartCard in Germany, has to complete various application steps. This is not a problem: I am showing you step by step how you can get your own SmartCard.
In advance, the most important facts:
- Fidor SmartCard is free of charge
- it is a 3-in-1-card:
- MasterCard (credit card)
- MaestroCard (debit card, former EC-card)
- PayPass (contactless payments of low amounts)
- withdrawing of cash 2 × per month free of charge
- payments abroad without foreign currency fee (international service fee)
- account and credit card are schufa-free (credit investigation company)
(no query, no entries – therefore, one can use the Fidor Bank without risk as a second or third account).
Fidor – Account opening step by step
Go to the website of the Fidor Bank. This link will lead you directly to the correct page: https://www.fidor.de/kreditkarte (SmartCard).
Scroll down a little and then click on the button button “Jetzt registrieren und bestellen“ (Register and order now).
2. Confirm your e-mail address
3. State your cell phone number
4. Enter the mTAN
5. Complete to fill out your personal data
6a. Possible challenges at the post branch office
If available, take your federal ID for the identification with you. All necessary data that the Fidor Bank wants to have confirmed, is stated there.
ID is preferred!
As usual, I have carried my passport, but a problem came up. In the passport, whether the street nor the house number where you live is stated. Only the city.
For identification according to the Money Laundering Act, it is sufficient to identify the person beyond doubt. That is why the bank and post usually are satisfied, if you orally state the street and house number for the sake of completeness of the form. Finally, one would like to get sent the bank documents and the credit card.
At the Fidor Bank still another important point depends on the address! The creditworthiness check. The Fidor Bank does not work with the Schufa, whether does it query the creditworthiness there, nor enters your account or card. Therefore, the Fidor Bank cannot get a second address confirmation at the Schufa.
For the creditworthiness check, the Fidor Bank uses Creditreform – by telephone inquiry.
Of course, you can make the PostIdent-procedure with your passport too, but you will have to provide another proof of address by e-mail, fax or letter. This can be e.g. a bank statement, a pay slip, a telephone or other consumer bill.
Other ID documents require a confirmation of address.
This form of address confirmation also applies to people, who legitimate themselves with a foreign ID-card or passport of another country. Should neither consumer bill nor account exist (eg. because Fidor Bank is your first bank account in Germany), then there is still the possibility to bring a formal registration certificate from the registration office / civil service.
6b. Important to know
An account opening at the Fidor Bank works in almost 100% of cases. No one will be rejected the free Fidor current account due to one´s creditworthiness.
Anyone can get a Fidor account!
The creditworthiness check is required for the SmartCard, as this is an embossed credit card. This means: anyone can get a Fidor account, but not everyone will immediately get the SmartCard.
With the use of the Fidor account, the bank will make its own creditworthiness assessment over time, so that the free SmartCard can be issued at a later stage. Until then, you can get issued a Fidor-Prepaid-Card (for a fee) or use the account without a credit card.
The account is now opened,
but the set up still continues …
7. Enter FIN
After you receive a welcome e-mail with the information that your Fidor current account is opened, you will be asked to set your personal FIN. FIN is the abbreviation for Fidor Identification Number. It is a kind of super-PIN.
If you make changes to your personal data – for example, you change your e-mail address – then you will be prompted to enter your FIN for confirmation. This is only rarely needed, so it is probably best to note the FIN and keep it safe. For example, in a bank folder.
8. First Login into the Fidor banking
After completing the FIN, you will be automatically forwarded to the online banking:
9. Order the SmartCard
The smart card can be ordered directly after your first login through online banking. For this, you open the Cash-Manager, and then go to the right side in the area “Karten” (cards).
This short video clip guides you through the ordering steps:
10. Activate the SmartCard and show PIN
Shortly after the application, you will receive an e-mail in which you will be informed in the best case that your SmartCard is in production and will be sent in the next few days by mail.
Actually, this is the only mailing that you will get from the Fidor Bank. The PIN for the credit card is saved in the online banking system. Before you can retrieve the PIN, you must first activate the credit card. You can see how both works in this short video clip:
Done, your SmartCard is now ready for use!
“Open the account now and order the SmartCard”
… smart banking for smart people!
How payments with the Fidor-SmartCard work
In further articles and videos, we will further report on the SmartCard of the Fidor Bank. With this article, it is now officially included to our intensively observed credit cards and banks (german site).
Personally, I am particularly excited to find out how the SmartCard performs abroad. I will take it on my trips abroad and test it there. We will inform our fans (german site) via e-mail about important news.
Questions on the SmartCard?
The comments box is activated for your questions. You are also welcome to use it to exchange tips and experiences. On your marks, ready, set, GO!
Note for our readers from abroad: currently, you can only apply for the Fidor current account with a residence in Germany. However, the Fidor Bank plans to expand to other countries in the future. We will observe this for you and keep you up to date about important developments in future articles on this special portal.
If you are a German speaker, you can leave your e-mail address here and you will be informed proactively: Fan Application.