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A one-stop Business Account for freelancers

Streamline daily financial tasks with Finom’s Business Account. Pay globally, invoice, and control incomes, all in one place. Simplify and save while focusing on what you do best.

Open account

  • European IBAN

    Account opened online in 24 hours

  • € 0 per month

    Start with fully functional free Solo plan

  • Up to 3% cashback

    Spend anywhere and receive the highest rebate on the market

  • International

    All around the globe 17 currencies and 150 countries

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

  • Discover our exceptional exchange rates: Interbank + 0,5%

  • Send and receive funds with a fixed fee of €5

  • Store money with no commission in any of the 17 currencies available

  • Expect up to 75% of global transactions to come within the same day

Open account

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission for you and your team

  • ATM withdrawal limit up to € 5 000 per card

  • Issue, limit, top up or block with just a clickNew

  • Apple Pay & Google Pay

  • Special offers from our partners

Learn more

Expense Management

Get personal and team expenses in control and keep your books tidy

  • Issue, top-up or limit cards for employees in clicks

  • Get employees' receipts uploaded with just a camera tap

  • Bulk export of documents and transactions data

Open account

Meet our 100,000+ customers

Read real, authentic reviews

Alexander

Ergonomic platform, very clear to create your company.

Maria

Everything is well thought out and super simple to use. I highly recommend Finom, especially if you're just starting out.

Peter

Responsiveness, ease of use, prices lower than the market. It's great to have a tool like this available for a small business.

Christina

Finom is 10 times better and more modern than comparable platforms, the price is very reasonable. I've never experienced such a smooth integration process when opening an account.

Philip

Opening an account is easy. We stay constantly informed of account access and activity, with 2-factor authentication. I'm really satisfied with the service!

Anna

Everything is clear, with no hidden costs, and with a great team on hand to do everything they can to support you! The app is very user-friendly with lots of possibilities.

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers, who need simple, essential features

You save € 48

Basic

For individual entrepreneurs and companies looking to scale their business 

You save € 72

Smart

Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations

€ 0 / month€ 0 / monthStart

excl. VAT

€ 21 / month€ 17 / month30-day trial

excl. VAT

€ 40 / month€ 34 / month30-day trial
Business account
Business account
Business account

Users included

1

Users included

2

Users included

Cashback

0 %

Cashback

1 %

Cashback

3 %

AI Assistant 

AI Assistant 

AI Assistant 

Chat support

Up to 1 business day

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Dedicated Account Manager

Dedicated Account Manager

Dedicated Account Manager

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

€ 2.500

Free outgoing SEPA transfers

€ 25.000

Free outgoing SEPA transfers

€ 50.000

Free VISA physical cards per user

0

Free VISA physical cards per user

1

Free VISA physical cards per user

3

Free VISA virtual cards per user

1

Free VISA virtual cards per user

3

Free VISA virtual cards per user

10

Outgoing international payments

1 %

Outgoing international payments

0.50 %

Outgoing international payments

0.40 %

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

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Security is our top priority

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

Learn more

Customer support, providing real-time care

Help is just a click away
Interactive Help Center available 24 hours
Fast response time

Contact us on e-mail: [email protected]

FAQ

  • What is Finom?

    Finom is a European fintech company built for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe. We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we combined all these different financial services, such as accounting, financial management, and a business account, into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy our features’ advantages via our mobile and web apps.

  • When did the project start?

    Founded in the Netherlands in 2019 by a group of experienced fintech entrepreneurs, Finom entered Europe’s market as the smartest and fastest e-invoicing solution. Now Finom is a trusted financial platform with approximately €1 billion in monthly transactions and serves thousands of entrepreneurs from France, Germany, the Netherlands, Belgium, Italy, Spain, and Poland daily.

  • How does Finom differ from competitors?

    At Finom, we are setting new standards for doing business, demonstrating how finances can and should be managed in the modern world – as easily as using your smartphone. With us, you can track your expenses and income and categorize your movement to know where and how you spend. We provide bank account aggregation so you can monitor all your flows in one place. You will have your IBAN, physical and virtual cards loaded with cashback and the chance to manage your invoices, matching them with transactions.

  • How many customers does Finom have?

    Finom’s customers include over 100,000 freelancers, self-employed, startups, and small to medium-sized companies from all across Europe.

  • Is my data safe with Finom?

    Finom protects your data and guarantees the highest level of security: Finom has no access to your online banking credentials, and they are double-encrypted (for additional protection) using passkeys or a one-time password that must be entered each time you try to log in). All data transfers are transmitted over TLS-encrypted channels and are thereby protected via end-to-end encryption. We do not store your personal data against your will or without your explicit consent. Finom is GDPR (DSGVO for Germany and RGPD for France) compliant, which means that you can revoke your consent to the processing of your personal data at any time. Finom Privacy Policy regulates the processing of your personal data.

  • How does a Finom business account differ from a traditional bank account?

    Finom is a fintech company and NOT a bank. Finom allows you to access some services associated with traditional banking, such as payments, withdrawals, and cards, but in the fastest and smartest way. With Finom, you can set up a business account in a few seconds, check your balance on the go, get cashback of up to 3%, create and send invoices, rely on real-time customer support, delegate tasks to team members, monitor your expenses and incomes, and have them categorized according to your habits.

  • Under which license does Finom operate?

    Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB), to operate in the European Union (EU) and the European Economic Area (EEA).

  • What documents do I need to open an account?

    Whether you are a freelancer or own a company, opening your Finom business account only takes a few minutes. You will only need three things for it:
    • The email address and password you used for the pre-registration (if you forgot them, click ‘forgot password’)
    • Your ID or passport ready to verify your identity
    • All the information about your business

  • Can entrepreneurs from any country open an account?

    Currently, we open business accounts for companies based in and operating from Germany, France, Italy, the Netherlands, Belgium, and Spain. Our invoicing plan is available in Poland, while freelancer and customized corporate tariffs can be picked by any of the EEA countries’ entrepreneurs. The legal representative (the sole individual authorized to open a business account on behalf of a company) and the beneficial owners must possess a valid residence permit in one of the mentioned countries, irrespective of the country where their passport/ID card is issued. Additionally, we welcome applications from US residents and citizens establishing businesses in the EU.

  • Who is the legal representative?

    To open your Finom business account, you must be your company’s legal representative. A legal representative is a natural person who is authorized to act on behalf of the company and is empowered to perform all actions related to the general administration of the company under the company’s purpose, such as a CEO.

  • How can I withdraw funds from my account or make deposits into it?

    A Finom Business Account has all the main services of a traditional bank, such as making withdrawals from the account and depositing funds into it. You can use a SEPA transfer from your other bank account to deposit into an account. To withdraw, you can use your physical Finom card at any European ATM, free amount to withdraw per month depends on your chosen plan.

  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?

    Yes, Finom allows you to send payments within the SEPA zone as well as international payments worldwide.

  • Does your support team speak my language?

    Of course! Our customer care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won’t be a barrier when you need assistance.

  • If I need help, can I talk to someone?

    Finom users can rely on fast and prompt Customer Care support that replies and solves all your questions, concerns, and difficulties in a few minutes, in your language. You can reach us via a live chat in the mobile application and the web version or by email during office hours.