Liberating banks.
Meet five°degrees. 

Experience the freedom of carefree core banking.
Contact us

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





Our mission is to liberate banks.

Experience the freedom to focus 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.

Be the best bank you can be.

Who we are

We are a team of passionate developers, financial specialists, and former bank employees who unite their experience with solid cloud native technology. Together with our clients and industry specialists, we are on a mission to liberate banks through the °neo core banking platform.

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Martijn Hohmann

CEO, co-founder

Bjorn Holmthorsson

CEO Iceland, co-founder

Jeffrey Severijn


Martijn Meijer


Reza Warnink


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.

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.

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.

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.


Join us in our mission.

After a decade of providing core banking to class-leading banks, we now set new standards and bring cloud native core technology to financial services. We are looking for new talents to join our team of international experts dedicated to continuously improve our technology and let our customers succeed.

Our job openings:

See all job openings
Incident Manager

The Netherlands

IT Ops Engineer

The Netherlands

Project Manager

The Netherlands

Senior Marketing Specialist

The Netherlands

See all job openings

Webinar: Designing the core: applied design thinking in banking. 

Watch our webinar to learn how design thinking reshapes banking efficiency.

Watch now

Cloud Native Core Banking Guide

Learn about building and implementing your cloud native core banking platform, flexible and future-proof.