Fidor Bank

Fidor Bank was a German digital challenger bank founded in Munich in 2009 and an early pioneer of Banking-as-a-Service and open banking through its fidorOS / bankOS middleware platform and public REST API, which covered Customers, Accounts, Transfers, Transactions and Account Information over an OAuth2 authorization-code flow. Fidor was acquired by France's Groupe BPCE in 2016; following years of post-acquisition integration struggles the bank ceased business operations in mid-2023 and entered liquidation. Its developer portal (fidor.com) is now a parked domain and the sandbox and production API hosts are offline. The surviving first-party developer artifacts are the archived official Ruby client (RubyGems: fidor_api, by Fidor Solutions AG) and the github.com/fidor organization. This is a retired provider retained for historical reference.

Fidor Bank publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Banking, Banking as a Service, and Open Banking.

Fidor Bank’s developer surface includes authentication and 6 more developer resources.

📡 Source on GitHub

7.5/100 minimal ▬ flat Agent 3/100 human only self hosted · MIT Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Company Fintech Banking Banking as a Service Open Banking Digital Bank Neobank Germany Retired

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 7.5/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/fidor-bank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Fidor Germany Banking API

Fidor's REST API for Customers, Accounts, Transfers, Transactions and Account Information, secured with OAuth2 (authorization-code flow). Now retired: the sandbox (*.sandbox.fid...

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Fidor Bank Authentication

oauth2 · 1 scheme

SECURITY

Resources

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 1

Authentication, authorization, and security posture

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

IssueTracker

IssueTracker

Commercial 1

Pricing, plans, and the legal terms of use

License

License

Source (apis.yml)

aid: fidor-bank
deliveryModel:
  model: self-hosted
  license: MIT
  open_source: true
  commercial: false
  callable_host: false
  label: Self-hosted open source · you run it yourself
  confidence: high
  source:
  - license
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fidor-bank.png
name: Fidor Bank
description: 'Fidor Bank was a German digital challenger bank founded in Munich in 2009 and an early pioneer of Banking-as-a-Service
  and open banking through its fidorOS / bankOS middleware platform and public REST API, which covered Customers, Accounts,
  Transfers, Transactions and Account Information over an OAuth2 authorization-code flow. Fidor was acquired by France''s
  Groupe BPCE in 2016; following years of post-acquisition integration struggles the bank ceased business operations in mid-2023
  and entered liquidation. Its developer portal (fidor.com) is now a parked domain and the sandbox and production API hosts
  are offline. The surviving first-party developer artifacts are the archived official Ruby client (RubyGems: fidor_api, by
  Fidor Solutions AG) and the github.com/fidor organization. This is a retired provider retained for historical reference.'
url: https://raw.githubusercontent.com/api-evangelist/fidor-bank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: stub
x-tier-reason: portfolio-lead
x-status: retired
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Banking
- Banking as a Service
- Open Banking
- Digital Bank
- Neobank
- Germany
- Retired
apis:
- name: Fidor Germany Banking API
  description: 'Fidor''s REST API for Customers, Accounts, Transfers, Transactions and Account Information, secured with OAuth2
    (authorization-code flow). Now retired: the sandbox (*.sandbox.fidor.com) and production (*.fidor.de) hosts and the Stoplight-hosted
    documentation are offline. The archived official Ruby client is the best surviving reference.'
  humanURL: https://github.com/fidor/fidor_api
  baseURL: https://api.fidor.de
  x-status: retired
  tags:
  - Banking
  - Payments
  - Open Banking
  properties:
  - type: SourceCode
    url: https://github.com/fidor/fidor_api
  - type: Authentication
    url: authentication/fidor-bank-authentication.yml
common:
- type: IssueTracker
  url: https://github.com/fidor/fidor_api/issues
- type: License
  name: MIT
  url: https://github.com/fidor/fidor_api/blob/master/LICENSE
- type: GitHubOrganization
  url: https://github.com/fidor
- type: Packages
  url: packages/fidor-bank-packages.yml
- type: SDKs
  url: packages/fidor-bank-packages.yml
- type: Authentication
  url: authentication/fidor-bank-authentication.yml
- type: Lifecycle
  url: lifecycle/fidor-bank-lifecycle.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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