FIB Frankfurt International Bank AG

What FIB Frankfurt International Bank AG does

FIB Frankfurt International Bank AG is a BaFin-licensed German bank (CRR Credit Institution; Aktiengesellschaft, HRB 126342) headquartered in Frankfurt am Main, founded in 2022 and operating with 11-50 employees. The institution runs two distinct business lines: structured export financing for German exporters and their international buyers, and retail banking services for international students and job seekers in Germany.

The export financing franchise is built around ECA-covered buyer credits for capital goods and machinery, typically sized between EUR 0.5 and 25 million with tenors of 3 to 10 years. FIB positions itself in the small- and mid-ticket segment that larger German banks bypass on scale-economics grounds, with its value proposition framed as early financing involvement, payment upon delivery for exporters, and lower financing costs for buyers relative to destination-country alternatives. The retail banking franchise provides blocked accounts (Sperrkonto) — a regulatory prerequisite for German visas — delivered through a digital-first model in cooperation with partner Fintiba, which manages customer onboarding while FIB provides the regulated banking infrastructure.

On the technology side, FIB deployed FIS Treasury & Risk Manager (Quantum Cloud Edition) in 10 weeks with implementation support from ALM Partners, giving the bank front-to-back treasury and risk capabilities from inception without legacy on-premises infrastructure. The proprietary FIB x PORTal digital platform handles export financing project submissions, indicative term sheets (24-hour turnaround), credit enquiries, and account management. Revenue derives from transaction fees on structured export finance deals and recurring monthly fees on blocked account deposits (EUR 11,904 for student visas, EUR 13,092 for the Chancenkarte job-seeker visa). The bank is privately held, with no disclosed external investors; governance follows a standard two-tier structure with a three-member Executive Board and a five-member Supervisory Board including experienced banking and insurance professionals.

Name

FIB Frankfurt International Bank AG

Legal name

FIB Frankfurt International Bank AG

Website

https://fib-ag.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

FIB Frankfurt International Bank AG is a BaFin-licensed German bank offering ECA-covered export financing (EUR 0.5–25 million) for German capital goods exporters and blocked account services for international visa applicants via Fintiba.

Ownership category

akta.pro rank

Product category

Export Finance & Specialty Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

akta.pro secondary industries

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF), Export Credit Agencies (ECAs) & Official Export Finance (FSABAKAC)

Keywords

• Export finance
• Buyer credits
• ECA-covered lending
• Blocked accounts
• Trade finance

Headquarters

HQ city

Frankfort

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Export Financing (Buyer Credits): ECA-covered buyer credits for capital goods transactions typically ranging from EUR 0.5 to 25 million with tenors of 3 to 10 years. Revenue generated through interest income and transaction fees on structured export finance deals.
2. Blocked Account Services: Banking services for non-EU/non-EEA nationals requiring blocked accounts for German visa applications. Operated in partnership with Fintiba, providing monthly maintenance and account opening fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

FIB Frankfurt International Bank AG is a BaFin-licensed German bank that specializes in ECA-covered buyer credit export financing for small and mid-ticket international transactions (typically EUR 0.5 to 25 million with tenors of 3 to 10 years). The bank also provides Sperrkonto (blocked account) banking services for non-EU/non-EEA students and job seekers applying for German visas, delivered in partnership with Fintiba. Both service lines are accessed via the FIB x PORTal digital platform.

Product overview

FIB Frankfurt International Bank AG operates as a specialized bank with two core business lines: international export financing and banking services for internationals in Germany. The export financing division centers on ECA-covered buyer credits (typically EUR 0.5-25 million with 3-10 year tenors) structured through the Transaction Process and supported by ECA Cover. The banking services division provides Blocked Accounts for visa purposes through partnership with Fintiba. Both service lines are accessible via the FIB x PORTal digital platform, which enables project submissions, credit enquiries, and account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Export Financing (Buyer Credits) ECA-covered buyer credit financing for small and mid-ticket cross-border export transactions, typically EUR 0.5 to 25 million with tenors of 3 to 10 years. Designed for German exporters of capital goods and machinery and their international buyers, enabling payment upon delivery without balance sheet exposure for exporters and providing longer-tenor, lower-cost financing for buyers than destination country alternatives.
• ECA Cover Export Credit Agency coverage that mitigates political and economic risks in export transactions, providing the risk framework required to enable bank financing of buyer credits under frameworks in Germany, Austria, Denmark, and Switzerland.
• Blocked Account (Sperrkonto) Compliant blocked account solution for non-EU/non-EEA nationals applying for German visas, serving as official proof of financial resources. Required deposit EUR 11,904 for students (monthly withdrawal limit EUR 992) and EUR 13,092 for Chancenkarte job seekers (monthly limit EUR 1,091), with funds released in monthly installments after arrival in Germany. Delivered in cooperation with Fintiba.
• FIB x PORTal Digital customer portal enabling project submissions for export financing, credit enquiries, indicative term sheet requests, and account management for both export finance and blocked account services. Provides transparent status overview and step-by-step guidance through KYC/AML and credit risk processes.

Quantifiable outcome

• 24-hour indicative term sheet turnaround for export financing enquiries
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• ALM PartnerscoreImplementation/ SI/ Consulting Partner · 9 July 2026ALM Partners provided implementation support for the FIS Treasury & Risk Manager – Quantum Cloud Edition deployment. The implementation was completed in just 10 weeks, enabling FIB to launch with front-to-back treasury capabilities without deploying legacy on-premises infrastructure.
• FIS (Fidelity National Information Services)coreTechnology or Integration · 9 July 2026FIS provides the Treasury & Risk Manager – Quantum Cloud Edition platform powering FIB's treasury and risk operations. The cloud-based platform enables integrated front-to-back treasury capabilities from bank inception. The implementation reflects broader market shift toward cloud-native treasury infrastructure in banking.
• FintibacoreChannel Partner/ Reseller/ DistributorFIB partners with Fintiba to provide blocked account solutions for international students and professionals in Germany. Fintiba handles digital onboarding and customer support while FIB provides the regulated German bank infrastructure. The partnership combines a BaFin-licensed CRR Credit Institution with Fintiba's proven digital processes for visa-required banking services.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Deutsche Bank AG: Global universal bank with extensive trade finance and ECA-covered lending capabilities. Overlaps with FIB in export financing for German mid-cap exporters, though Deutsche Bank typically serves larger tickets and broader corporate banking needs.
• Standard Chartered Trade Finance: Major international trade-finance bank with deep emerging-markets presence. Comparable to FIB on the buyer-credit side where FIB finances buyers in emerging markets purchasing German capital goods.
• Euler Hermes / Allianz Trade: World's largest trade credit insurer and former German ECA-equivalent (now part of Allianz). Provides the credit-insurance/ECA-cover framework that underpins FIB's buyer credit structures, and is a structural counterparty to FIB's transactions.
• Commerzbank AG: Major German commercial bank with a large trade-finance and ECA-covered lending franchise. Competes with FIB across export finance and corporate banking; former Executive Board Member of Commerzbank (Michael Reuther) sits on FIB's Supervisory Board.
• HSBC Trade and Receivables Finance: Global leader in trade finance, including ECA-covered buyer credits and structured export finance. Competes with FIB for cross-border capital-goods financing mandates, particularly on the international-buyer side.

Emerging players

• Coracle: Provider of blocked accounts (Sperrkonto) for German visa applicants including students and skilled workers. Competes with the Fintiba/FIB blocked-account offering in the same visa-required banking niche.
• Expatrio: Digital platform offering blocked accounts and banking services to international students coming to Germany. Competes head-on with FIB's blocked-account product line, especially via integrated value-added services like insurance and remittance.

Direct peers

• KfW IPEX-Bank: Germany's principal export and project finance bank, a subsidiary of KfW. Most directly comparable institution offering ECA-covered buyer credits and structured trade finance for German exporters, though typically at larger ticket sizes than FIB.
• AKA Ausfuhrkredit-Gesellschaft: German export-finance specialist bank offering structured trade and ECA-backed buyer credits. Direct competitor to FIB in the German small/mid-ticket export-finance segment, though AKA typically serves a broader ticket range and longer-tenor mandates.
• Fintiba GmbH: FIB's distribution partner for blocked-account services to international students and Chancenkarte applicants in Germany. Operates the customer-facing digital onboarding while FIB provides the regulated banking infrastructure — a partner that could also be considered a competitor in adjacent markets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fib-frankfurt-international-bank-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

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 FIB Frankfurt International Bank AG