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Business account with cashback, e-invoicing and accounting tools

IBAN account opened online for SMEs, Freelancers and companies under Registration

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Fast. Reliable. Effortless.

Effect your payments and control expenses

  • German IBAN in 24 hours

  • International payments

  • Up to 3% cashback

  • Personal assistance in 1 minute

Hassle-free IBAN

No messy paperwork – experience unparalleled conditions available in the market

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  • German IBAN, opened fully online

    for small businesses, freelancers, and companies under registration

  • Your funds are

    ring-fenced

  • € 0

    Fully functional free Solo plan

  • Multibanking

    to keep all your accounts in one place

  • Account opening

    fully online

  • Free physical & virtual cards

  • Wachstumschancengesetz-compliant e-invoices

    New

Integrations that work

  • 50+ accounting and bookkeeping tools for business
  • Store and export your documents effortlessly
  • Synch receipts and invoices in a couple of clicks
  • Simplify your tax filing and financial reporting
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Make payments easily

Free physical and virtual cards for you and your employees

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  • Exceptional up to 3% cashback

  • On-the-go payments

    with ApplePay or GooglePay

  • S E P A

    Transfers & Direct Debits

  • International payments to 150+ countries

    New

  • Up to € 10 000

    Monthly ATM withdrawal limit

Join the ranks of over 100,000 happy clients all across Europe attesting to our responsiveness

Faced any challenges opening a business account? — We're here to find a solution

Receive payments faster

Get paid 20%+ faster with the built-in invoicing solution

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  • E-invoices issued in just 60 seconds

  • Automated payment notifications

  • One-click payment link

  • E-invoices in different currencies and languages

  • Both XRechnung and ZUGFeRD are supported

Customers love Finom

  • 4.7
  • 4.6
  • Global BankTech Awards 2024

Manage your finances like a pro

Control expenses and simplify accounting

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

  • Enjoy full visibility in customizable dashboard

  • Transactions tracking

    with real-time notifications

  • Automated VAT extraction

  • Take a picture and attach bills with a tap

What you get with Finom

  • IBAN, opened fully online

  • Simple yet powerful e-invoicing tools New

  • Free physical & virtual cards

  • Up to 3% cashback

  • Apple Pay & Google Pay

  • Accounting software integration

  • Expense management solution

  • Special offers from our partners New

  • In-cloud Document storage

Running an international business?

Save, exchange, spend, and receive money like a local everywhere. Enjoy worldwide transfers and transparent fees

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  • 17+ Currencies exchange at great rates

  • SEPA Fast and secure transfers & Direct Debits

  • Manage money in 17 currencies with no restrictions or fees

  • Low fees for all global payments in 150+ countries

All your business finances in one place

Don’t switch between your banks looking for best billing terms!

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Finom pricing and plans

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

Solo

For freelancers who need simple, essential features

€ 0

/ month

€ 0

/ month

Open account
Recommended

Start

For growing businesses that need advanced features to manage their increasing operations

€ 9

/ month

excl. VAT

€ 7

/ month

excl. VAT

You save € 24

30-day trial

Premium

For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits

€ 28

/ month

excl. VAT

€ 24

/ month

excl. VAT

You save € 48

30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

5

Multiaccounts

Multiaccounts

Multiaccounts

Cashback

0 %

Cashback

2 %

Cashback

3 %

Dedicated Account Manager

Dedicated Account Manager

Dedicated Account Manager

Accounting & Invoicing

Accounting & Invoicing

Accounting & Invoicing

Accountant access

Accountant access

Accountant access

Smart Invoicing

Smart Invoicing

Smart Invoicing

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

30+ accounting integrations

30+ accounting integrations

30+ accounting integrations

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Transfers between Finom users

€ 0

Transfers between Finom users

€ 0

Transfers between Finom users

€ 0

SEPA transaction fee

€ 2

SEPA transaction fee

€ 0

SEPA transaction fee

€ 0

VISA physical & virtual cards

VISA physical & virtual cards

VISA physical & virtual cards

Physical card monthly maintenance

€ 3

Physical card monthly maintenance

€ 0

Physical card monthly maintenance

€ 0

International payments (in&out)

€ 5

International payments (in&out)

€ 5

International payments (in&out)

€ 5

Outgoing international payments

2 %

Outgoing international payments

0,9 %

Outgoing international payments

0,8 %

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

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Security is our top priority

Learn more

  • 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

  • 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

Customer support, providing real-time care

  • Dedicated phone or video support

  • Response time less than 1 minute

  • Interactive Help Center available 24 hours

    24/7

Contact us on e-mail: [email protected]