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 This is a retired provider retained for historical reference.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 is listed with 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 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

0.0/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 0/100 dormant self hosted · MIT Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API

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

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 0.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 0.0 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 0/100 · 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/fidor-bank/apis.yml: open an issue on github.com/api-evangelist/fidor-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	distribution	9.6 (thin)	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	distribution	9.6 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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

Company 1

The organization behind the API

Website

Website

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
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  generated: '2026-11-06'
  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: '2026-09-16'
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: Website
  url: https://fidor.de
- 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

Fidor Bank API — frequently asked questions

Does Fidor Bank have an API?

Yes. APIs.io lists 1 API from Fidor Bank, including Fidor Germany Banking API.

How do I authenticate with the Fidor Bank API?

Fidor Bank uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Fidor Bank Authentication.

Is the Fidor Bank API ready for AI agents?

Fidor Bank has a Kin Score of 0.0 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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