Not a bank,
but more

FINOM - the fastest and easiest online business banking for SMEs, freelancers, and the self-employed in Europe.

Manage your finances easily on your smartphone

Online business account with German IBAN
Free virtual cards with cashback
Income and expense schedules for any period
Issue, send, and match invoices to payments
Expense reports by category (e.g. transport, utilities, counterparties)

Connect any bank account to FINOM to get all your finances in one place

You can easily see from which account it is best to pay from or invoice to at any given moment
When your bank fails you, make instant payments with us - all your contractor billing details are stored with FINOM

Free virtual card for your business

Issue and block virtual
cards in less than a minute
Use virtual cards with different limits for different employees
Benefit from comprehensive tracking of
all card actions
Easily pay anywhere using contactless payments on your phone
Our virtual
card service is free of charge

our general partner in Germany

The financial service that pays you back

0.30%

Earn from your expenses:
get 0.30% cashback on all card payments

No more unexpected cash gaps

The fastest
support in Europe

We resolve issues online:

5min

Chat

10min

Email

The easiest invoicing solution in Europe

The easiest invoicing solution in Europe

Free
invoicing
Easily match client invoices with payments
Create invoices within 60 seconds
Regular friendly payment auto reminders for your customer