The security of your personal and banking data is our absolute priority. Discover all the protection measures put in place by Fidexico.
All communications between your browser and our servers are protected by the TLS 1.3 protocol (Transport Layer Security), the most recent and most secure encryption standard. This protocol guarantees the confidentiality and integrity of the data exchanged, in particular your personal and banking information and the documents you upload during your credit application. The presence of the padlock and the "https://" prefix in your browser's address bar attests to this protection.
Our servers are hosted in ISO 27001 certified datacenters (information security management), equipped with redundancy systems, automatic backups and physical protection devices (biometric access control, 24/7 video surveillance). Data is stored exclusively within the territory of the European Union, in accordance with GDPR requirements.
Access to your Fidexico client area is protected by a strong two-factor authentication (2FA) system compliant with the requirements of the PSD2 directive (Payment Services Directive, 2nd version). When you log in from a new device or during sensitive operations (IBAN modification, early repayment), additional validation is requested via a code sent by SMS or by push notification on the mobile application.
Our systems continuously analyse suspicious login attempts (unusual location, repeated attempts with incorrect codes) and automatically trigger a temporary block of the account in the event of suspected compromise. You are alerted immediately by email if unusual activity is detected on your account.
All card payments made on our site are processed by payment service providers certified PCI DSS (Payment Card Industry Data Security Standard). Your card data never passes through our servers and is never stored by Fidexico. The 3D Secure protocol (Visa Secure, Mastercard Identity Check) adds an additional authentication layer for all online payments.
Direct debits (repayment of your monthly instalments) are carried out via the SEPA direct debit system, which offers a challenge period of 8 weeks for authorised debits (13 months for unauthorised debits). In the event of a challenged debit, your bank is required to refund you immediately.
Fidexico S.A. is subject to the permanent supervision of the Banco de Portugal, which verifies compliance with prudential and customer protection standards. Our information systems are subject to regular security audits conducted by independent providers. We carry out periodic penetration tests to identify and correct potential vulnerabilities before they are exploited.
In accordance with the GDPR and the NIS2 directive (Network and Information Security), we have a security incident management process. In the event of a personal data breach likely to result in a risk to your rights and freedoms, we are required to inform you as soon as possible and to notify the CNPD within 72 hours.
Your vigilance is the first line of defence against fraud. Fidexico will never ask you by telephone, email or SMS for your access codes, your PIN, your full card numbers or your 3D Secure code. If you receive such a request, it is a phishing attempt. Hang up immediately and report the incident to us at security@fidexico.eu.
If you suspect fraudulent use of your account or a phishing attempt impersonating Fidexico, contact us immediately by email at security@fidexico.eu, via our contact form, or via the secure messaging of your client area. You can also report phishing attempts to the Portuguese platform CNCS: www.cncs.gov.pt.
Our servers are hosted in ISO 27001 certified datacenters, the international benchmark standard for information security management. This certification attests to the implementation of rigorous processes for risk management, access control and business continuity.
All card payments made on our site are processed by providers certified PCI DSS (Payment Card Industry Data Security Standard), the security standard required by all international card networks. Your card data never passes through our servers and is never stored by Fidexico.
The 3D Secure protocol (Visa Secure, Mastercard Identity Check) adds an additional authentication layer for all online card payments, requiring validation via your bank at the time of payment, significantly reducing the risk of card fraud.
The European payment services directive (PSD2) requires strong customer authentication for access to online banking services and for sensitive transactions. Fidexico applies this requirement across the whole of its client area, through a two-factor authentication system.
The TLS 1.3 protocol encrypts all data exchanged between your browser and our servers, preventing any interception or reading of this data by a third party. The presence of the padlock and the "https://" prefix in your browser's address bar attests to this protection at every moment of your browsing.
Our infrastructure has redundancy systems and regular automatic backups, guaranteeing the continuous availability of our services and protection against any data loss, even in the event of a major technical incident.
The datacenters hosting our data have enhanced physical protection measures: biometric access control, 24/7 video surveillance, and continuous monitoring by dedicated staff, ensuring that no unauthorised physical access can compromise your data.
All of your personal and banking data is stored exclusively within the territory of the European Union, in accordance with GDPR requirements relating to data transfers outside the European Economic Area.
Our systems continuously analyse login attempts to your client area: unusual location, repeated attempts with incorrect codes, atypical behaviour. Any anomaly detected automatically triggers protective measures, including a temporary block of the account concerned.
You are alerted by email in real time if unusual activity is detected on your account: login from a new device, modification of your bank details, or an attempted sensitive transaction. These alerts allow you to react immediately in the event of unauthorised use.
Repayment of your monthly instalments is carried out via the SEPA direct debit system, which offers a challenge period of 8 weeks for authorised debits (13 months for unauthorised debits). Your bank is required to refund you immediately in the event of a challenged debit.
Our information systems undergo regular security audits, conducted by independent providers specialising in cybersecurity, in order to continuously verify the effectiveness of our protective measures against the most recent threats.
We carry out periodic penetration testing designed to identify and correct potential vulnerabilities in our systems before they can be exploited by malicious actors. These tests are conducted by offensive security experts independent of our development teams.
In accordance with the NIS2 directive (Network and Information Security), Fidexico has a structured security incident management process, including the detection, analysis, containment and remediation of any incident affecting our information systems.
In the event of a personal data breach likely to result in a risk to your rights and freedoms, Fidexico is required to inform you as soon as possible and to notify the CNPD (the Portuguese data protection authority) within 72 hours, in accordance with the GDPR.
Our mobile application benefits from the same security standards as our website: encrypted communications, strong authentication, and detection of unauthorised access attempts, for a secure experience regardless of the channel you use to access your client area.
We recommend that you choose a strong password, unique to your Fidexico account, combining upper and lower case letters, numbers and special characters. Never reuse a password used on another online service.
We recommend avoiding connecting to your Fidexico client area from an unsecured public Wi-Fi network. If this proves necessary, use a virtual private network (VPN) or your personal mobile connection instead.
The documents you submit as part of your credit application (proof of identity, proof of income, bank details) are transmitted exclusively via encrypted channels: your secure client area or our internal messaging service, never by unencrypted email.
In accordance with applicable regulations, Fidexico implements identity verification procedures (KYC) and transaction monitoring as part of the fight against money laundering and terrorist financing, contributing to the overall security of the financial ecosystem.
Fidexico cooperates, as needed, with the CNCS (Centro Nacional de Cibersegurança), the Portuguese national body dedicated to cybersecurity, in particular in reporting phishing attempts impersonating our institution.
Beyond the technical measures described on this page, Fidexico deploys a comprehensive programme to raise awareness among and support its customers against the risk of fraud, detailed on our dedicated fraud prevention page.
Is my banking data stored by Fidexico? No, card data never passes through our servers and is never stored.
What should I do if I lose access to my client area? Contact our customer service for a secure recovery procedure.
Is Fidexico ISO 27001 certified? Our hosting infrastructure is, guaranteeing a high level of security.
For any question relating to the security of your account or your data, contact our customer service via our contact form, or consult our fraud prevention page for the right habits to adopt.
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