Lidion Bank
Lidion Bank plc is a Malta-licensed, MFSA-regulated digital corporate bank serving 500+ SMEs and mid-market corporates across Europe, specializing in tech, digital advertising, and regulated gaming sectors with multi-currency accounts, factoring, lending, and deposit products.
- Company typePrivate
- Founded2012
- HeadquartersBirkirkara, Malta
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Lidion Bank does
Lidion Bank plc is a Malta-incorporated, MFSA-licensed credit institution providing digital-first corporate banking services, primarily to SMEs and mid-market corporates with up to €50M in annual turnover. Originally established as AgriBank in 2012, the bank rebranded in November 2023 and repositioned itself toward tech startups, software houses, digital advertising businesses, and Malta-regulated gaming and gambling operators — verticals that are often underserved by traditional banks. Its product suite spans corporate current accounts, multi-currency accounts supporting 10 currencies (EUR, USD, GBP, SEK, NOK, DKK, CZK, CHF, AUD, PLN), term and notice deposits, invoice factoring with up to 80% advance rates, corporate lending, FX and payout services, and a specialized Corporate Players' Account for the gaming sector.
The bank operates a digital platform (ebanking.lidionbank.com) with self-serve corporate onboarding (onboard.lidionbank.com), 128-bit SSL encryption, and OTP-based two-factor authentication. Distribution is multichannel: direct digital, face-to-face onboarding, business introducers, and — since June 2025 — a partnership with European savings platform PickTheBank for cross-border term deposit distribution. Revenue mechanics combine net interest income from deposits and lending (asset spread on EUR deposit rates of 2.20–2.50% p.a.), transaction fees on SEPA, Target2, and SWIFT transfers, factoring margins, and treasury/FX services. With 50+ employees representing 10+ nationalities, 500+ corporate clients, €1Bn+ in payments processed in 2023, authorised share capital of €58.8M, and €5M of subordinated bonds issued under a June 2025 base prospectus, Lidion Bank is a sub-scale but growth-oriented niche operator leveraging EEA passporting to extend its footprint beyond Malta.
Lidion Bank firmographics
Firmographics- Name
- Lidion Bank
- Legal name
- Lidion Bank plc
- Website
- https://lidionbank.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lidion Bank plc is a Malta-licensed, MFSA-regulated digital corporate bank serving 500+ SMEs and mid-market corporates across Europe, specializing in tech, digital advertising, and regulated gaming sectors with multi-currency accounts, factoring, lending, and deposit products.
- Ownership category
- akta.pro rank
Lidion Bank industry classification
Industry- Product category
- Corporate Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Digital Banking & Neobank Platforms (BPAMAFAD)
- akta.pro secondary industries
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG), Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ)
Keywords
Where Lidion Bank is headquartered
LocationHeadquarters
- HQ city
- Birkirkara
- HQ country
- Malta
- HQ region
- Europe
Offices1 record
Markets served
Lidion Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income from Deposits: Lidion Bank offers EUR fixed deposit rates up to 2.5% p.a. for 1-5 year terms, attracting deposits from European savers through PickTheBank partnership and direct channels
- Corporate Lending: Invoice factoring services (up to 80% advance rates) and strategic lending for business expansion with flexible terms and swift approvals
- Fees and Charges: Tariff of charges for various banking services including accounts, transfers (SEPA, Target2, SWIFT international), and other banking operations
- Bond Issuance: €5,000,000 6% callable unsecured subordinated bonds issued to investors; Base Prospectus dated June 2025
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | EUR Fixed Term Deposits - 3 month term at 2.20% p.a. |
| Subscription | Pay-as-you-go | EUR Fixed Term Deposits - 6 to 9 month terms at 2.25% p.a. |
| Subscription | Pay-as-you-go | EUR Fixed Term Deposits - 1 to 5 year terms at 2.50% p.a. |
| Subscription | Pay-as-you-go | USD Fixed Term Deposits up to 3.80% p.a. |
| Subscription | Pay-as-you-go | GBP Fixed Term Deposits up to 3.35% p.a. |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Lidion Bank product offering
Product offeringCore offering
Lidion Bank plc provides digital-first corporate banking services to Maltese-regulated businesses with EEA passporting, including corporate current accounts, multi-currency accounts in 10 currencies, term and notice deposits, factoring services, corporate lending, cash management and treasury services, FX and payout services, technology banking services, and corporate players' accounts for the igaming sector. The bank earns revenue primarily through net interest income on deposits and lending and through published transactional service fees, and operates through an Online Banking System with a Digital Customer Onboarding Platform.
Product overview
Lidion Bank is a Maltese digital bank offering a comprehensive portfolio of corporate banking products and services. The offering consists of core account products (Corporate Current Accounts, Multi-Currency Accounts supporting 10 currencies, Term Deposit Accounts, Notice Accounts) combined with financing solutions (Factoring Services, Corporate Lending) and specialized services (Cash Management & Treasury, Technology Banking Services for tech and digital advertising sectors, FX/Payout Services). The bank also serves specific regulated industries including gaming and gambling through specialized accounts. The portfolio is delivered via digital-first online banking and a customer onboarding platform, with term deposit products distributed through partnerships like PickTheBank across Europe.
Differentiator
Problem solved
Functional benefit
Products and services
- Corporate Current Accounts Standard corporate current accounts for business clients, supporting everyday banking operations including incoming and outgoing payments via the Online Banking System. Targeted at Maltese-regulated businesses and EEA-passported corporates.
- Multi-Currency Accounts Corporate accounts available in 10 currencies, enabling clients to hold, receive, and make payments in multiple currencies through SEPA, TARGET2, and SWIFT rails. Built for tech, digital advertising, gaming, and internationally active corporates.
- Term Deposit Accounts Fixed-term deposit accounts offered to corporate clients in multiple currencies with tiered interest rates by tenor. Suitable for treasury management and surplus cash placement by businesses.
- Notice Accounts Notice deposit accounts that allow corporate clients to place funds on deposit with a notice period for withdrawal, providing flexibility between instant access and fixed-term deposits.
- Factoring Services Invoice factoring services for corporate clients, providing working capital advances against receivables to support short-term liquidity for businesses.
- Corporate Lending Corporate lending facilities extended to business clients to support financing needs, complementing the bank's deposit and current account offerings.
- Cash Management & Treasury Cash management and treasury services for corporate clients, combining deposit, payment, and liquidity tools to support day-to-day treasury operations.
- Technology Banking Services Dedicated banking services tailored to technology sector corporates, including tech-specific account structures and the bank's technology banking stack and APIs.
- FX and Payout Services Foreign exchange and payout services enabling corporate clients to convert between the bank's supported currencies and execute international payouts through SEPA, TARGET2, and SWIFT rails.
- Corporate Players' Account Dedicated Corporate Players' Account designed for regulated igaming and gambling operators, providing banking support for player fund handling within a Maltese-compliant framework.
Quantifiable outcome
- Processed over €1 billion in payments in 2023
- +1 more outcomes
Companies that use Lidion Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Lidion Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Lidion Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PickTheBankcorePickTheBank is a digital platform enabling customers across Europe to easily access and manage deposit products from selected financial institutions. Through this partnership, depositors can open term deposit accounts with Lidion Bank seamlessly and with confidence, supported by regulatory safeguards. This initiative strengthens Lidion Bank's commitment to providing secure, efficient, and innovative banking solutions in a digitally connected landscape.
Scale indicators6 records
Recent moves8 records
Expansion highlights5 records
Lidion Bank competitors and assessment
Company assessmentDirect peers
- Tide: UK-based digital business bank offering current accounts, invoicing, and lending to SMEs. Comparable in digital onboarding, SME-to-mid-corporate target market, and integrated financial tooling.
- Wise: Cross-border payments and multi-currency account specialist serving businesses and individuals globally. Comparable on multi-currency corporate accounts and FX/payout services, though stronger on remittance than full-service banking.
- Qonto: European neobank providing multi-currency business current accounts, financing, and expense management for SMEs and freelancers. Closely comparable to Lidion on B2B digital-first corporate banking, multi-currency support, and factoring-style financing.
- Novo: US digital banking platform for small businesses and freelancers offering checking, payments, and integrations. Comparable SME-focused, digital-first B2B banking proposition with software integrations.
- Mercury: US digital bank focused on startups and tech businesses with multi-currency-style treasury and integrated software stack. Comparable in its tech-vertical focus, digital onboarding, and integrated treasury/cash-management tooling.
- Bunq: EU-licensed neobank offering multi-currency accounts, business banking, and savings products across the EEA. Highly comparable on regulatory licensing, multi-currency accounts, and pan-European deposit distribution.
- Holvi: EU-licensed digital business bank for freelancers, SMEs, and small corporates. Comparable product set (multi-currency accounts, invoicing, integrated banking) and similar regulatory banking-license structure for cross-border distribution.
- Starling Bank: UK-regulated digital bank serving retail and business customers with current accounts, lending, and treasury services. Comparable digital-first model and corporate-banking suite, though operating at much larger scale.
Broad incumbents
- Revolut: Global digital bank with broad consumer and business offerings including multi-currency accounts, corporate cards, and FX. Comparable multi-currency and digital-corporate capabilities but at vastly larger scale and broader scope.
Regional players
- Bank of Valletta: Largest incumbent Maltese retail and commercial bank. Comparable on Malta jurisdiction and corporate-banking services but traditional branch-led model versus Lidion's digital-first positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Lidion Bank social profiles
Digital presenceLidion Bank compliance and trust
Trust signalCompliance6 records
Lidion Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lidion Bank leadership team
Management profileNumber of profiles
Profiles12 records
Lidion Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lidion Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lidion Bank
What does Lidion Bank do?
Lidion Bank plc provides digital-first corporate banking services to Maltese-regulated businesses with EEA passporting, including corporate current accounts, multi-currency accounts in 10 currencies, term and notice deposits, factoring services, corporate lending, cash management and treasury services, FX and payout services, technology banking services, and corporate players' accounts for the igaming sector. The bank earns revenue primarily through net interest income on deposits and lending and through published transactional service fees, and operates through an Online Banking System with a Digital Customer Onboarding Platform.
Is Lidion Bank a public or private company?
Lidion Bank is a private company. It is classified as unknown and is currently operating.
When was Lidion Bank founded?
Lidion Bank was founded in 2012. It employs 11 to 50 people.
Where is Lidion Bank based?
Lidion Bank is headquartered in Birkirkara, Malta, in the Europe region.
How does Lidion Bank make money?
Four revenue lines are on record. Interest Income from Deposits are the primary driver. The others are corporate Lending, fees and Charges and bond Issuance.
Who are Lidion Bank's main competitors?
Direct peers on record are Tide, Wise, Qonto, Novo, Mercury, Bunq, Holvi and Starling Bank. Revolut is listed as a broad incumbent. Bank of Valletta is listed as a regional player.
Does Lidion Bank have an API?
No public API is recorded for Lidion Bank.
What industry is Lidion Bank in?
Lidion Bank's product category is Corporate Banking. Its primary akta.pro industry code is BPAMAFAD, Digital Banking & Neobank Platforms, with a secondary code of FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 522110 and its SIC code is 6021.