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Liberating banks.
Meet five°degrees. 

Experience the freedom of carefree core banking.
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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. In 2021, we launched °neo, our cloud native core banking platform built from the ground up, to continue to allow our clients to meet ever-changing market demands.

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 at an exclusive digital event: °neo live

Meet °neo, the ultimate cloud native core banking platform at an exclusive digital event on June 24th.

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Discover our career opportunities

As we are realizing our ambitions, we are looking for new team members to join our growing company.

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