Amsterdam Trade Bank

What Amsterdam Trade Bank does

Amsterdam Trade Bank N.V. (ATB) was a privately held Dutch bank incorporated in the Netherlands and founded in 1994, operating under the FIBR commercial brand. Prior to its bankruptcy declaration on 22 April 2022 by the Amsterdam court, the bank offered savings accounts (spaarrekeningen), term deposits (termijndeposito's), and related retail banking services to individual and business customers in the Netherlands. The bank operated under the supervision of De Nederlandsche Bank (DNB), the Dutch central bank, with deposits protected up to EUR 100,000 per depositor under the statutory Deposit Guarantee Fund (DGS).

Following the bankruptcy declaration, Mr. D.D. Nijkamp and Mr. J.E.P.A. van Hooff of the law firm Stibbe were appointed as curators (bankruptcy administrators) to manage the estate. By August 2022, the second curator report documented over EUR 515 million realized from asset sales and over EUR 664 million repaid to the Deposit Guarantee Fund. Interim distributions of 85% (October 2022) and 15% (February 2024) were made to account holders with balances exceeding the DGS threshold, with verification and final distribution processes completed through 2025-2026.

As of mid-2026, the company has no active operations, products, or services. Its website (atbank.nl) functions solely as an information portal for creditors, and an online web portal (atb.stibbe.com) was used during proceedings for account holders to update banking information. The first distribution list became definitive on 3 February 2026, with unclaimed amounts deposited with the Consignment Fund of the Dutch Ministry of Finance. The company has 16 public curator reports published in the Centraal Insolventieregister, and the bankruptcy is in its final phase of wind-down.

Name

Amsterdam Trade Bank

Legal name

Amsterdam Trade Bank N.V.

Website

https://atbank.nl

Company type

Private

Founded year

1994

Operating status

Closed

Headcount range

51–100 employees

Short description

Amsterdam Trade Bank N.V. was a Dutch bank founded in 1994 that operated under the FIBR brand, offering savings accounts and term deposits to retail and business customers in the Netherlands until its bankruptcy declaration on 22 April 2022. The company is currently in terminal wind-down with no active operations.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Digital Retail Banking (Online & Mobile) (FSABAAAF)

Keywords

• Retail savings accounts
• Term deposit banking
• Deposit guarantee banking
• High-yield savings
• Private banking

Headquarters

HQ city

Dordrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Others, Infrastructure, Technology or R&D, Marketing or Sales

Core offering

Amsterdam Trade Bank N.V. (ATB), operating under the FIBR trademark, was a Dutch bank that offered savings accounts (spaarrekeningen) and term deposits (termijndeposito's) to retail and business customers in the Netherlands. The bank was declared bankrupt on 22 April 2022 and its website now functions solely as a creditor information portal during the wind-down of the estate.

Product overview

Amsterdam Trade Bank N.V. (ATB) was a Dutch bank operating under the FIBR trademark. The bank offered savings accounts (spaarrekeningen), term deposits (termijndeposito's), and related banking services to customers. The company was declared bankrupt on April 22, 2022, and the website now functions solely as a bankruptcy information portal for creditors, providing updates on the liquidation proceedings, distribution lists, and creditor communications. No active products or services are currently offered.

Differentiator

Problem solved

Functional benefit

Products and services

• FIBR Savings Accounts (spaarrekeningen) Savings accounts (spaarrekeningen) offered to retail and business customers in the Netherlands under the FIBR trade name. The product was offered prior to the bank's bankruptcy declaration on 22 April 2022 and is no longer available to new customers.
• FIBR Term Deposits (termijndeposito's) Term deposits (termijndeposito's) offered to retail and business customers in the Netherlands under the FIBR trade name. The product was offered prior to the bank's bankruptcy declaration on 22 April 2022 and is no longer available to new customers.
• ATB Web Portal (atb.stibbe.com/accountholders) Online web portal operated by Stibbe as curator on behalf of Amsterdam Trade Bank N.V., enabling account holders and creditors to update their banking information and receive communications regarding the bankruptcy proceedings and distributions.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• De Nederlandsche Bank (DNB)coreOthers · 22 April 2022De Nederlandsche Bank (DNB) is the Dutch central bank and regulator. DNB oversaw the deposit guarantee scheme for Amsterdam Trade Bank N.V. following its bankruptcy on 22 April 2022. Account holders could register with DNB to receive compensation under the deposit guarantee scheme (up to EUR 100,000 per person per bank). DNB also maintains information for creditors about the deposit guarantee scheme on its website.
• Depositogarantiefonds (Deposit Guarantee Fund)coreOthers · 22 April 2022The Deposit Guarantee Fund (DGS) is a statutory protection scheme for bank deposits in the Netherlands. Under the DGS, savings and deposits are protected up to EUR 100,000 per person per bank. Following the bankruptcy of Amsterdam Trade Bank N.V., the Depositogarantiefonds compensated account holders for their deposits up to the protected limit. Over EUR 664 million was repaid to the Depositogarantiefonds by the curators.
• Stibbe (Curator / Bankruptcy Administrator)coreImplementation/ SI/ Consulting Partner · 22 April 2022Stibbe is the law firm acting as curator (bankruptcy administrator) for Amsterdam Trade Bank N.V. following its bankruptcy on 22 April 2022. Mr. J.E.P.A. van Hooff and mr. D.D. Nijkamp from Stibbe serve as the appointed curators. Their responsibilities include managing the bankruptcy estate, selling assets, verifying claims, and distributing payments to creditors. Creditors can contact the curators at [email protected].

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• MoneYou: MoneYou was a Dutch online savings brand offering high-interest savings accounts to retail customers in the Netherlands — a near-identical model to FIBR's pre-bankruptcy savings and term-deposit product set.
• Brand New Day: Brand New Day is a Dutch online savings and pension platform offering retail deposit products to Dutch consumers, overlapping with FIBR's retail savings and term-deposit customer proposition in the same market.
• Knab: Knab is a Dutch online bank providing retail and small-business banking services including savings accounts, directly comparable to ATB's digital-channel deposit offering to Dutch retail and business customers.
• bunq: bunq is a Dutch digital bank offering retail savings and deposit accounts via a mobile-first platform, competing in the same Dutch retail deposit market that FIBR previously targeted with its FIBR-brand savings products.
• NIBC Direct: NIBC Direct was a Dutch direct/online savings bank offering retail deposit products to consumers in the Netherlands, directly comparable to FIBR's savings and term-deposit offering to Dutch retail customers.

Broad incumbents

• Rabobank: Rabobank is a large Dutch cooperative bank offering retail savings and deposit products alongside a full suite of consumer and commercial banking services, operating in the same Dutch deposit market as ATB's former FIBR offerings.
• ING Group: ING is a major Dutch universal bank offering retail savings accounts alongside a broad portfolio of consumer and commercial banking products — a broad incumbent that competes with ATB's savings offering but across a much wider product range.
• ABN AMRO: ABN AMRO is a major Dutch universal bank providing retail savings, deposits, and full-service consumer and commercial banking — an incumbent competitor in the Dutch retail deposit market where FIBR historically operated.

Emerging players

• Trade Republic: Trade Republic is a European mobile-first broker and savings platform offering retail deposit and cash-management products across Europe, an emerging alternative to traditional Dutch retail savings banks like FIBR for cross-border retail depositors.

Others

• Raisin: Raisin is a pan-European savings marketplace that aggregates retail deposits from multiple partner banks across the EU, an adjacent platform that channels deposits away from individual European savings banks like ATB toward a broader multi-bank offering.

Market position

Strengths2 records

Weaknesses2 records

Competitive moat2 records

Key risks6 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/amsterdam-trade-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amsterdam Trade Bank