Creditworthiness, thought through to the end.

Insight, action, access: FIAON shows your creditworthiness as a bank sees it, clears up what can be challenged, and opens account and card. Here is the whole platform – layer by layer, day by day.

One platform, three layers.

Each layer builds on the previous one. Most providers stop after the first: insight (report and bank statement explained), action (letters that go out), access (account, card, financing).

What happens, day by day.

Application in about five minutes, onboarding call in 15 minutes, documents uploaded via a link, credit assessment, every entry of your data copy explained, letters go out, replies and deletions, current account, credit card – and after twelve instalments you decide whether to stay.

Three countries, three systems.

FIAON knows the credit bureaus, deadlines and rights in Germany, Austria and Switzerland – and writes the letters the way they are read there.

Built like a bank, spoken like a human.

Only what you upload: FIAON requests nothing from credit bureaus. No letter without you: you see every letter before it is sent. Your data, your ending: after the contract ends we delete completely on request.

What FIAON is not.

Not a bank, not a loan broker, not legal advice, not debt counselling. FIAON is the cross-check of your credit report and the route that follows from it – with the bank at the end, which decides.

Frequently asked questions

How do I get my credit report?

You request your data copy yourself – free of charge, our generator writes the letter. The credit bureaus need between a few days and four weeks depending on country and route. The FIAON credit assessment adds your creditworthiness as a bank sees it – from your own bank statements. The credit assessment is not a report from a credit bureau and not a credit score. You can request your free data copy yourself at any time — upload it and we will include it.

What if all entries are justified?

Then we say so. You get the deletion dates, the 100-day rule where it applies, and the route to account and card via your value rather than via the clear-up.

Can I change or cancel the plan?

Yes – in the application, in the onboarding call and in the customer area under Plan & payments. Twelve instalments, then you decide freely.

Do I have to talk to someone?

Once, 15 minutes. The onboarding call is mandatory because it makes the difference. After that everything runs via the area, phone and e-mail as needed.

Who sees my data?

Your contact and the staff working on your file. Nobody else. Data is never sold or passed on for advertising.

Read on

The operating system for creditworthiness. – FIAON shows you what SCHUFA, KSV or CRIF hold on you, repairs it with you and opens the door to an account, a card and finance. Three layers, one path.
The credit card waiting at the end of your credit file. – Clean up entries, open an account, a credit card up to €25,000 — FIAON explains every entry in your credit report, sends the letters and opens the door.
One price, no surprises. – What FIAON costs: twelve monthly instalments, then cancellable monthly, or the credit assessment on its own. Every service compared with doing it yourself.
The most sensitive document about you. – EU hosting, encryption, only what you upload, approval before every letter, deletion on request. Plus a privacy check: who may do what with your data?
Das perfekte Konto, einmal durchgespielt. – Der FIAON-Kundenbereich im besten Fall – mit Platzhalterdaten – und die Sicht des Mitarbeiters im Startgespräch. Kein Login, keine echten Daten.