The operating system for creditworthiness.
FIAON shows you what the credit bureaus hold on you, repairs it with you — and then opens the door to real financial products. One sentence, three layers, one path.
Creditworthiness is not a verdict — it is a state
Today a report you have never seen decides on your account, your card, your flat and your loan. FIAON turns that around: first you see what is stored, then you change it, then the door opens.
- Layer 1 · Insight: your credit assessment from your bank statements, plus the data copy you request yourself, explained in plain language
- Layer 2 · Action: deletion requests, corrections, objections and instalment agreements — prepared, reviewed, sent
- Layer 3 · Access: a current account, a credit card, later finance — the bank decides
Why FIAON exists
100 million people in Germany, Austria and Switzerland have an entry with a credit bureau; six million in Germany alone are considered over-indebted. Score apps show a number, debt counselling is analogue, banks decide by the file. FIAON occupies the layer in between.
The path from e-mail address to card
Apply in about five minutes, an onboarding call with a person, your report explained entry by entry, letters approved and tracked stage by stage, then account and card prepared for partner banks. The bank always decides on the issue.
Frequently asked questions
Is FIAON a bank?
No. FIAON is not a credit institution and issues neither accounts nor cards. The respective partner bank always decides on the issue. FIAON prepares you and documents your credit file.
What makes FIAON different from a score app?
A score app shows a number. FIAON shows your creditworthiness as a bank sees it, explains every entry in the data copy you requested yourself, prepares the letter and sends it after your approval — and tracks the reply. Displaying is the first layer. FIAON has three.
Who reviews the letters?
Every letter type is approved and versioned by the legal team. No letter goes out that has not been reviewed — and none without your approval.
Which countries does this apply to?
Germany (SCHUFA), Austria (KSV) and Switzerland (CRIF). The platform recognises your country and names the right credit bureau for your free data copy.
What does FIAON cost?
Plans from €7.99 a month, twelve instalments by bank transfer, then you decide whether to stay. The credit assessment on its own costs €149 one-off, with a running plan €74; for new plan customers it is included in the plan. 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.
Where is my data held?
Encrypted on servers in the EU, GDPR-compliant. You decide what you upload and can have it deleted at any time.