Not a bank,
but more

FINOM - the only financial service that combines a banking business account, invoicing, and accounting software integration

Up to 3% cashback on all purchases with a FINOM card!

  • Get a free Visa Debit card from FINOM

  • Up to 3%

    Depending on your plan, receive 2% or 3% cashback on all card purchases

    Promo terms

  • Easily earn more than you pay for the service!

Open account and enjoy all advantages of Finom smart financial instruments

  • Banking business account

    • German IBAN
    • Web&App
  • Reconciliation

    • Auto connection invoices with banking payments
  • Cards

    • Free plastic and virtual cards
    • The highest 3% Cashback on the market
  • Customer support

    • Support reaction less than 5 min
    • 92% of customers rated our work with 5 stars
  • Invoicing

    • Automatic payment reminders to your customer
    • 60 sec to create an invoice and send it to the client with: email, facebook, whats app
    • Link inside the invoice allows to pay just in one click
  • Accounting

    • Full or limited safe access for your accountant
    • Integrations with Lexoffice, DATEV Online, sevDesk, FastBill, Sorted, and more

Experience key benefits, relevant
to your business

  • For freelancer or self-starter

    • € 0 tariff plan
    • All the necessary online banking functions
    • Free cards
    • Cashback up to 3% for all expenses
    • Simple invoicing
  • For business with employees

    • Safe access for employees and accountant
    • Reconciliation
    • Money collection tools
    • Analytic data reports
    • Accounting software integrations
  • If company is under registration

    • Credit your account with authorised funds
    • Get statements
    • Complete registration of your legal entity GmbH i.G, or UG i.G.

Have a quick start with the simpliest invoicing service

Our clients get paid 20% faster and don’t waste time matching invoices with the bank payments

You can use invoicing without opening business account

Try invoicing

Invoicing service with the finance management features on your smartphone

  • Invoicing

    • 60 sec to create an invoice and send it to the client with: email, facebook, whats app
    • Automatic payment reminders to your customer
    • Using the link inside each invoice allows your customer to pay just in one click
  • Accounting

    • Full or limited safe access for your accountant
    • Integrations with Lexoffice, DATEV Online, sevDesk, FastBill, Sorted, and more
  • Reconciliation

    • Connect your business or personal bank account to FINOM
    • See all your transactions in FINOM dashboard
    • Auto connection invoices with banking payments
  • 92% of customers rated our service with
    5 stars
  • Our service provided in:
    englishfrenchgermanitalianrussian
  • Available Mon - Fri
    9am - 6pm CET

Get fast and professional support from our Customer Care team!

We respond:

  • min

    via chat

  • 10 min

    via email

Start WhatsApp
or contact us on e-mail:
[email protected]

What our clients say about us

About us

  • We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

    Ivo Dimitrov

    6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

  • That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

    Alena Valovaya

    Co-founder

    4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

  • Our goal is to simplify the life of those who provide for half the Europe.

    Thomas Finan

    Co-founder

    10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

  • We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

    Sergey Petrov

    Co-founder

    14 years in fintech and finance. Entrepreneur: online store of digital devices, bakery. Amsterdam, the Netherlands.

About us

Ivo Dimitrov

6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

We're using FINOM every day ourselves because we believe that we deserve the best. We're improving FINOM every day based on what entrepreneurs wish and desire. And of course, we're going to build more services for those like us. For those whom “enough” is not enough.

About us

Alena Valovaya

Co-founder

4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

About us

Thomas Finan

Co-founder

10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

Our goal is to simplify the life of those who provide for half the Europe.

About us

Sergey Petrov

Co-founder

14 years in fintech and finance. Entrepreneur: online store of digital devices, bakery. Amsterdam, the Netherlands.

We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

Ivo
Dimitrov

Alena
Valovaya

Thomas
Finan

Sergey
Petrov