Meet five°degrees.
We liberate banks.

After a decade of providing core banking to class-leading banks, we now set the new standard and bring cloud native core technology to financial services.

The five°degrees story.

five°degrees was founded by bankers in 2010. Our launching customer KNAB was based on our technology to become the first challenger bank in Europe in 2012. Soon incumbent banks throughout Western Europe, the United States and Canada also chose five°degrees as their digital banking technology provider. In 2018, five°degrees added lending to its product suite by the acquisition of Libra EHF, the market leader in lending technology in Iceland. Today, over 40 banks in Europe and North America use our technology. With over 150 colleagues working from our offices in Amsterdam, Reykjavik, Lisbon and Novi Sad, we launched °neo in 2021. The °neo core banking platform was built for the cloud from the ground up to continue to allow our clients to meet ever-changing market demands


Years of developing core banking systems


Team members worldwide





Maurits van Schooneveld

Head of Business Development

Annika Kiestra

Head of Marketing

Fridrik Reynisson,

Chief Architect

Marcel Verrijdt

Head of Delivery

Willem Willemstein

CEO of Velocity Capital Private Equity, a venture fund, Willem’s experience spans two IPOs, 40 M&As and a multitude of other business deals.

Thomas Desmond

Thomas has spent his career building and investing in successful FinTech companies including TradeKing an online broker and digital wealth manager, Baird Venture Partners, and Robert W. Baird & Company. He is currently a partner at Velocity Capital FinTech Ventures.

Hadewych Cels

Hadewych is a co-founder of Karmijn Kapitaal. Before Karmijn, Hadewych was partner at Plain Vanilla, a turnaround investment firm active in Southern Europe.

Wilco Jiskoot

Wilco has an extensive career in banking, including 32 years at ABN AMRO in which he occupied the role of Vice Chairman of the Managing Board. He is currently a member of the Supervisory Board at Jumbo and Chairman of HEMA.


Be the best bank you can be.

Our core focus is to help you on what is most important to you. At all times you want to be in full control of your business while being able to move fast and respond effectively to opportunities and new realities. At five°degrees, we are devoted to delivering the best core banking experience with an open and flexible platform that literally runs as a service in the back, delivering the carefree value you need

Join us on our mission.

We are continuously looking for new talent to join our team of international experts dedicated to continuously improve our technology and let our customers succeed. Also if we are currently not looking for your expertise, don't hesitate to reach out.

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