European Banking Services
Comprehensive financial solutions fully compliant with EU regulations, designed for individuals and businesses across Europe.
Personal Banking
SEPA-compliant current accounts, high-yield savings, and multi-currency options for European residents with free instant transfers.
- Free SEPA Instant transfers
- Multi-currency (EUR/GBP/CHF/USD)
- Instant card payments
Business Banking
Corporate accounts, payment processing, and EU trade finance solutions for businesses of all sizes with API integration.
- Bulk SEPA transfers
- API banking integration
- FX hedging solutions
Loans & Credit
Competitive personal loans, home mortgages, and business financing across the Eurozone with EURIBOR-linked rates.
- EURIBOR-linked rates
- Up to 30-year mortgages
- Green energy loans
Why European Businesses Choose Ngendo
We combine the stability of traditional European banking with the innovation of modern fintech, serving clients across 12 EU countries with a commitment to excellence.
EU-Wide Coverage
SEPA instant payments and cross-border banking services throughout the European Union, with local support in every market.
EU Regulatory Compliance
Full compliance with GDPR, PSD2, and all EU banking directives. Licensed by CSSF and supervised by the ECB.
Multilingual Support
Customer service in English, French, German, Spanish, Italian, and Portuguese. Local account managers for business clients.
Banking Made Simple
Experience the future of banking with features designed for modern European life.
Mobile First
Award-winning iOS & Android apps with biometric login and real-time notifications.
Instant Transfers
SEPA Instant payments 24/7, including weekends and holidays across Europe.
Bank-Grade Security
256-bit encryption, two-factor authentication, and real-time fraud monitoring.
Smart Savings
Automated savings rules, round-up features, and competitive interest rates.
Licensed European Credit Institution
Supervised by the European Central Bank (ECB) • Member of the Single Supervisory Mechanism (SSM)
Trusted by Europeans
"The best banking experience I've had in Europe. The SEPA instant transfers have transformed how I do business across borders."
"Finally, a bank that understands European freelancers. The multi-currency account saves me hundreds in conversion fees monthly."
"The mortgage process was incredibly smooth. Competitive rates and a team that speaks multiple languages made all the difference."
Join 85,000+ Europeans Banking Smarter
Open your account online in minutes. EU residents welcome. No hidden fees, full deposit protection up to €100,000.
About Ngendo
A licensed European credit institution headquartered in Luxembourg, serving 85,000+ clients across 12 EU countries with innovative and compliant banking solutions.
A European Story of Growth & Innovation
Founded in 2009 in Luxembourg, Ngendo Credit Bank was established with a vision to create a truly pan-European bank. Named after the founder's grandmother whose values of integrity guide us, we combine traditional banking stability with fintech innovation.
From our first office in Kirchberg to serving over 85,000 clients today, we've remained committed to our founding principles: integrity, transparency, and client-centric service. As a credit institution licensed by the CSSF and supervised by the European Central Bank, we operate under the strictest regulatory standards.
Today, we manage over €4.2 billion in assets across 12 European countries, offering everything from everyday current accounts to complex cross-border financing for multinational corporations.
Licensed & Protected
Your deposits are protected and our operations are fully compliant with EU banking regulations. We maintain the highest standards of financial security.
ECB Supervision
Directly supervised by the European Central Bank under the Single Supervisory Mechanism (SSM), ensuring the highest standards of financial stability.
- Capital Requirements Regulation
- Regular stress testing
- Quarterly supervision reports
Deposit Protection
Member of the Fonds de Garantie des Dépôts Luxembourg (FGDL). Your deposits are protected up to €100,000 per depositor.
- €100,000 per person
- Luxembourg government backed
- Automatic protection
Full EU Compliance
Operating under CRR/CRD IV, PSD2, GDPR, and all applicable EU banking regulations for maximum security.
- GDPR data protection
- PSD2 payment services
- AML5 compliance
Our Core Values
The principles that guide every decision we make and every interaction we have with our clients.
Integrity
Uncompromising ethical standards in all operations, ensuring transparency and honesty in every transaction.
Innovation
Pioneering digital banking solutions while maintaining the highest European security standards.
Client Focus
Personalized service for every client, from individual account holders to multinational corporations.
European Spirit
Dedicated to the European project, facilitating cross-border commerce and financial integration.
Executive Leadership
Experienced professionals leading our European banking operations with decades of combined expertise.
Dr. François Müller
Chief Executive Officer
Former ECB economist with 25+ years in European banking. Leads our strategic vision and regulatory relationships with the ECB.
Isabella Rossi
Chief Financial Officer
Chartered accountant with expertise in EU regulatory compliance and risk management across multiple jurisdictions.
Dr. Klaus Weber
Chief Technology Officer
Director of our digital transformation and cybersecurity initiatives, ensuring PSD2 compliance and data security.
Key Milestones
Founded in Luxembourg
Established with initial capital of €50M and a vision for pan-European banking.
ECB Banking License
Granted full ECB banking license, expanded operations to 3 EU countries.
Digital Transformation
Launched award-winning mobile banking app, reached 50,000 clients milestone.
Present Day
€4.2B assets under management, operating in 12 EU countries with 85,000+ clients.
Banking Services
Comprehensive EU-compliant financial solutions for individuals and businesses. From everyday banking to complex financing.
Personal Banking
Everyday banking solutions designed for European residents. Enjoy fee-free SEPA transfers, multi-currency accounts, and instant card payments across the Eurozone.
Account Benefits
- €0 monthly maintenance fee
- Free SEPA Instant transfers
- Free Visa Debit card
- Mobile app with biometrics
Current Account
SEPA-compliant EUR account with free instant transfers and contactless debit card.
Savings Account
High-yield EUR savings with daily interest calculation and flexible withdrawals.
Multi-Currency
Hold, exchange, and transfer EUR, GBP, CHF, and USD with competitive rates.
Fixed Deposit
Secure your savings with guaranteed returns over fixed terms from 3 to 60 months.
Credit & Lending
Competitive financing solutions with EURIBOR-linked rates and flexible terms.
Personal Loan
Flexible financing for any purpose
APR from
Education, medical expenses, travel, or debt consolidation. Instant approval available for existing clients.
- Amounts from €1,000 to €100,000
- Terms from 12 to 84 months
- No early repayment fees
- EURIBOR-linked rates
Home Mortgage
Finance your dream home
Fixed APR
Property financing for primary residences and investment properties across the EU.
- Up to 90% loan-to-value
- Fixed or variable rate options
- Terms up to 30 years
- Green mortgage discounts
Business Banking
Comprehensive solutions for SMEs and corporate clients. From current accounts to international trade finance, we support your growth across Europe.
Business Benefits
- Bulk SEPA transfers
- API banking integration
- Multi-user access
- Dedicated manager
Business Account
Multi-currency accounts with SEPA Instant and virtual IBANs.
- Unlimited transactions
- 10 virtual IBANs
- API access
Business Credit
Working capital, expansion loans, and invoice financing.
- Credit lines to €5M
- Flexible terms
- Invoice financing
FX & Trade
FX hedging, letters of credit, and export financing.
- FX hedging tools
- Documentary credits
- Export guarantees
Ready to grow your business?
Open a business account in 24 hours with digital onboarding.
Get in Touch
Our multilingual customer service team is ready to assist you. Reach out through any channel - we're here to help.
Phone Support
24/7 multilingual customer service available
+352 123 456 789Toll-free EU: 00800 1234 5678
Email Us
Response within 24 hours guaranteed
support@ngendo.onlinecomplaints@ngendo.online
Visit Us
Headquarters in Luxembourg City
2, Place de Paris
L-2314 Luxembourg
Mon-Fri: 9:00 - 17:00 CET
Send us a Message
Fill out the form below and we'll respond within 24 hours.
Our Offices
Luxembourg HQ
2, Place de Paris
L-2314 Luxembourg
Mon-Fri 9:00 - 17:00 CET
Paris Branch
15 Avenue des Champs-Élysées
75008 Paris, France
Mon-Fri 9:00 - 17:00
Frankfurt Branch
Taunusanlage 8
60325 Frankfurt, Germany
Mon-Fri 9:00 - 17:00 CET
SEPA Instant
24/7 instant transfers available across the EU through online banking.
Access Online Banking