Not a bank, but more

All-in-one financial solution for SMEs,
Freelancers and companies under Registration

  • German IBAN Account opened online in 48 hours
  • Virtual and plastic cards with 0% commission and up to 3% cashback
  • Expense management solution for team spending control
  • Invoicing that gets you paid faster. Simple and powerful
  • Bookkeeping automation features with accounting software integrations
Open Free Account

Forever free

Warm offers in May!

FINOM gives Forever Free business account!

Open account on the Start Plan till the 31st of May and get a very special offer

For more details learn in Promo Terms.

Promo ends in:

00

days

00

hrs

00

mins

00

secs

Don’t miss a chance to get a

FOREVER FREE ACCOUNT

Open account

Save time on accounting with your favorite software integration

German IBAN account for small businesses, freelancers and companies under registration

German IBAN account

Don't wait for weeks - get your IBAN account opened online in 48 hours

  • Start as low as 0€ for a fully functional account. No hidden commissions

  • Enjoy whopping up to 10,000€ ATM withdrawal monthly limit

  • Connect your other bank accounts and manage your finances in a single interface with our multibanking feature

  • Get your peace of mind with up to 100,000€ deposit insurance

Plastic and virtual cards for you and your employees

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

  • Take just several clicks to instantly create a prepaid virtual card

  • Pay on the go with your smart phone using Apple Pay and Google Pay

  • Set limits, freeze, track, top-up or block cards in just a minute from mobile or desktop

Cashback up to 3%

Control your team spendings with expense management features

Set spending limits and policies for every card and employee

  • Get in control of every transaction with effortless categorization and real-time notifications

  • Keep books tidy by collecting receipts with just a snap to simplify reconcillation

  • Digitalize your receipts automatically with document recognition feature

  • Automate with your financial data easily exported into your favorite accounting software

Get your invoices paid 20% faster

Free, simple and unlimited built-in invoicing solution which reminds your customers to pay

  • Takes 60 seconds to create an invoice and send it via messenger with just a single click

  • Invoices you send contain direct payment links for customers to pay with a tap

  • Design unique invoicing template or just insert your logo with a simple drag and drop

  • Transactions auto-mapped with invoices for simple reconciliation

6 steps to get your expenses in control

  • Issue

    plastic and virtual
    cards

  • Customize

    card limits and spending
    policies

  • Track

    expenses at
    a glance

  • Snap

    or upload
    receipts

  • Digitalize

    Receipts and other docs with auto-recognition

  • Import

    accounting-ready data to your software

Get fast and professional premium support from our Customer Care team!

  • Response time less than 1 minute using our in app WhatsApp or Chat
  • Dedicated phone or video support at a time that suits you
  • Request a product demo from one of our specialists
  • Interactive Help Centre available 24 hours
Start WhatsApp

Stop overpaying banks

Start with affordable € 0 plan for freelancers and self-starters. Looking for more?
Enjoy 1 month free trial* for all the other extended plans

Invoicing only
All-in-one
Invoicing Solo
Invoicing Start
Solo
Start
Premium
Corporate
Pay annuallyPay monthly

 

 

Maximum users

Multi-banking. Connected banks

Manual reconciliation of invoices and receipts

Invoices statuses tracking

Customization of invoice templates

Accounting integrations

Invoicing Solo

€ 0

Maximum users

1

Multi-banking. Connected banks

Manual reconciliation of invoices and receipts

Invoices statuses tracking

Customization of invoice templates

Accounting integrations

Invoicing Start

€ 4.99
€ 6.99

/month (excl. VAT) you save € 24

Maximum users

3

Multi-banking. Connected banks

Manual reconciliation of invoices and receipts

Invoices statuses tracking

Customization of invoice templates

Accounting integrations

 

 

Cashback

ATM withdrawal limits

Maximum users

Total wallets (Accounts)

Physical cards included

Virtual cards included

In/Out SEPA transfers

Included in plan

German IBAN

Accounting software integrations
(DATEV, LexOffice, SevDesk and others)

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Solo

0 €
0 €

Cashback

0%

ATM withdrawal limits

€ 500

Maximum users

1

Total wallets (Accounts)

1

Physical cards included

1

Virtual cards included

1

In/Out SEPA transfers

50

German IBAN

Accounting software integrations
(DATEV, LexOffice, SevDesk and others)

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Premium

€ 18
€ 22

/month (excl. VAT) you save € 48

One month free, cancel anytime

Cashback

3%

ATM withdrawal limits

€ 5,000

Maximum users

5

Total wallets (Accounts)

3

Physical cards included

5

Virtual cards included

5

In/Out SEPA transfers

200

German IBAN

Accounting software integrations
(DATEV, LexOffice, SevDesk and others)

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Corporate

€ 69
€ 89

/month (excl. VAT) you save € 240

One month free, cancel anytime

Cashback

3%

ATM withdrawal limits

€ 10,000

Maximum users

Total wallets (Accounts)

4

Physical cards included

Virtual cards included

In/Out SEPA transfers

German IBAN

Accounting software integrations
(DATEV, LexOffice, SevDesk and others)

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

What you get with FINOM

  • Automatic reconciliation of invoices and receipts
  • Secure cloud storage
  • Payment auto-reminders for customers
  • Accountant access
  • Free iPhone and Android Apps
  • Smart filters and reports
  • Free high-speed support

*The offer is limited in time and subject to terms and conditions

All banking services are offered by

About us

  • 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.

    Ivo Dimitrov

    Co-founder

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

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

    Olivier Binet

    Head of business in France

    20 years of experience in E-Commerce and FinTech, focusing on business development and innovation. Conducts independent coaching for startups development. Lives in Paris, France.

  • 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’re specialists in the fintech market and serial entrepreneurs. We decided to make things pure and more intuitive. It’s essential to spend time on your business, family and friends. Everything else is just a waste of time like being engaged in paper administrative routines.

    Antonio la Mura

    Head of business in Italy

    6 years of experience in fintech and business development. Entrepreneur: farm in southern Italy. Milan, Italy.

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

Olivier Binet

Head of business in France

20 years of experience in E-Commerce and FinTech, focusing on business development and innovation. Conducts independent coaching for startups development. Lives in Paris, France.

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

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

Antonio la Mura

Head of business in Italy

6 years of experience in fintech and business development. Entrepreneur: farm in southern Italy. Milan, Italy.

We’re specialists in the fintech market and serial entrepreneurs. We decided to make things pure and more intuitive. It’s essential to spend time on your business, family and friends. Everything else is just a waste of time like being engaged in paper administrative routines.

Ivo
Dimitrov

Olivier
Binet

Thomas
Finan

Antonio
la Mura

The security of your data

  • Our servers are protected and hosted in the European Union

    We comply with the 2016 General Data Protection Rules (GDPR)

  • TLS protocol

    All information and registration data are encrypted before being sent to our servers so that no one can intercept them

  • 3D Secure

    Confirm each online card transaction with a unique one-time password