Built-in accounting that runs itself

Simple, AI-powered accounting – for freelancers, sole proprietors and Gewerbetreibende (GmbHs & UGs in beta). Easy for beginners, powerful as you grow

Everything you need: receipt scanning, invoicing, reconciliation, categorization, and taxes
Create and file UStVA, UStE, EÜR, GewSt, ZM effortlessly
€ 0 for the first 6 months, then just € 14/month

Start for free

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Accounting, done in minutes

No experience required
Our AI co-pilot guides you through every step – you stay in control.
Save up to € 3 000 yearly
Start free for 6 months, then pay just € 84 in your first year.
Auto-categorization
Scan a receipt – transactions matched, categorized, and VAT handled automatically.
No bank switch needed
Connect your existing bank in a couple of clicks, or open a Finom account.

From receipts to books – automatically

Just take a photo of your receipt. Finom extracts data and stores it securely.
Transactions are matched and categorized with the correct VAT, even in complex cases.
Stay ahead of VAT payments with our integrated VAT forecast.

Invoicing that works

Create, customize, and send compliant, ZUGFeRD-ready invoices and quotes in a few clicks.
Store e-invoices safely and never lose a document again.
Add Paypal links and QR codes. Issue invoices in multiple currencies and languages.

Stay tax-ready all year long

Create and submit tax reports directly to the Finanzamt.
Generate UStVA, UStE, EÜR, GewSt, and ZM forms in seconds.
Stay on track with a built-in tax calendar and automated reminders.

The full picture, all in one place

Manage invoices, expenses, records, reports, and taxes from a single dashboard
No more switching between tools or paying for multiple platforms
Invite your accountant to collaborate directly – no separate software required

Your AI accounting & tax co-pilot, always by your side

Not sure how to categorize an expense? Confused about VAT? Your Finom AI co-pilot is always there to guide you with smart suggestions.

Try it free for 6 months

You remain responsible for your tax declarations. We do not provide personalized tax advice within the meaning of § 3 StBerG

Meet our 200,000+ customers

Read real, authentic reviews

Verified

Questions on rejection of payment and…

Questions on rejection of payment and potential hacking - non-hacking was clarified - reason for rejection of payments was identified - colleague reacted rather professional on my bad mood

Stefan

08 July 2026

Verified

I would like to update my review.

I would like to update my review. Initially, I experienced significant difficulties with the processing of a medium-to-high value bank transfer. For several days, I received no clear information or concrete explanation about the delay. I also sent a formal email (PEC), but unfortunately I never received any response, which led me to seriously consider taking legal action. However, after I was finally able to speak directly with a real person and publicly express my concerns, the issue was resolved very quickly, and the transfer was credited shortly afterwards. For this reason, I would like to update my review. I am satisfied with the final outcome, although I believe that customer communication and the handling of situations like this could be improved to avoid causing unnecessary concern and frustration.

paola biello

04 July 2026

Verified

Endri is the embodiment of friendliness…

Endri is the embodiment of friendliness and kindness, and he exudes great professionalism. You can count on him whenever the need arises.

Andrea Palombarini

04 July 2026

Verified

I am using Finom as my primary bank and…

I am using Finom as my primary bank and quite happy with its services. Being a startup founder , I really want a banking partner to take care of baking stuff so that I can focus on building the company.

Pradeep Bohra

04 July 2026

Verified

Its so helpful

Anna Baptista Alves Bailey

09 July 2026

Verified

Good service

Abdullah Rasul Ghulam Bibi

08 July 2026

Verified

I’ve very positive experience - highly recommended had a very positive experience…

I've had a very positive experience with Finom so far. The interface is intuitive, the bookkeeping features save me a lot of time, and the overall platform makes managing my business finances much easier on a daily basis. One area that could be improved is the MCC fees, as they can add up over time. On the other hand, the cashback program is a nice benefit and helps offset some of those costs. I'd also love to see Finom offer a proper credit line or other financing options for small entrepreneurs, credit that makes positive impact. Access to flexible funding would make it easier for businesses in the early stages to grow. Overall, I'm very happy with the service and would recommend it to other small business owners looking for a modern and easy-to-use business banking solution. Thanks a lot for your services.

Luiz Andrade

01 July 2026

Verified

Advertised 5% – got 0.75% instead

I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.

Daniel Tridico

17 April 2026

Verified

It's easy open the account end register…

It's easy open the account end register all the documents. It need time for all the notar document. Good

Paolo

13 April 2026

Verified

I am new customer

I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .

Uday Kant

30 March 2026

Rated 4.7 / 5 based on 14.094 reviews. Showing our latest reviews.

Finom Accounting is built for the self-employed and small businesses

Freiberufler & Einzelunternehmer

Everything you need to stay compliant, without the admin. Clean, audit-ready records all year round

Gewerbetreibende

Stay compliant with minimal effort. Handle UStVA and VAT tracking seamlessly – focus on growth, not paperwork

Kleinunternehmer

Keep your books clear, even without VAT. Capture receipts and expenses easily. Organized from day one

Kapitalgesellschaften (e.g. GmbH, UG) (Beta)

Send and customize compliant e-invoices. Handle UStVA and VAT tracking seamlessly. Double-entry bookkeeping, balance sheets, GuV, and Körperschaftsteuer coming soon

Go further with a Finom business account

A Finom business account makes integration seamless

Business account: from € 0 per month, with a DE IBAN ready ready within 24 hours
Interest: fixed 5% p.a. for the first 5 months on EUR funds – withdraw anytime
Integrated tools: end-to-end Accounting, invoices, team management, financing
Transfers: instant transfers, free SEPA allowance up to € 50 000, international and multi-currency transfers, Direct Debit
Support: real human support, 7 days a week

Try Business account for free

Human support where it matters most

Our support team has your back. Available via chat and email – real help, from real people.

Competent help, one click away

Interactive Help Center available 24 hours

Fast response time

Contact us on e-mail:

Pricing that helps you grow

Up to 22 - 77% cheaper than competitors – and a whole lot smarter

Lite

Invoicing

You save € 14

Core

Invoicing, Accounting & Tax

You save € 9

Max

All-in-one: Invoicing, Accounting, Tax & Banking

€ 0 / month€ 0 / monthTry for free

€ 0 / month€ 0 / month€14 per month after 6 months

excl. VAT

€ 0 / month€ 0 / month€9 - €24 per month after 6 months depending on pricing plan

Access

Connect your bank accounts

Web & mobile app

Invoicing

Create and share compliant e-invoices (XRechnung / ZUGFeRD)

Optional QR Codes & clickable Paypal links on invoices

Multiple languages and currencies

Invoice customization

Invoice and incoming payments status tracking

Create offers and convert them to invoices

Send payment reminders

Recurring billing

Coming soon

Recurring billing

Coming soon

Recurring billing

Coming soon

Collecting documents via email forwarding

Upload, download, export, store

Bookkeeping

Receipt scanning & automatic recognition

Automatic receipt & transaction reconciliation

Smart categorisation nach SKR (AI smart rules)

Upload, download, export, store

GoBD Long term document archive

Taxes

Automatic VAT forecast

Automatic UStVA, UStE, GewSt, ZM creation

Automatic EÜR & GUV creation

Submit reports directly to the Finanzamt

DATEV / ELSTER exports

FAQ

What makes Finom Accounting worth trying?
Finom brings your entire accounting workflow into one place: scanning receipts, creating invoices, and filing directly with the Finanzamt. No accounting background needed, and cheaper than the alternatives. Start free for 6 months and see for yourself.
Does Finom Accounting work for Freelancers?
Yes. Finom Accounting is built for freelancers who want simple, compliant bookkeeping. You can easily create and submit UStVA, generate your EÜR, and track income, expenses, and VAT in one place. Everything stays organized and audit-ready.
I am a Gewerbetreibender, is Finom Accounting a good choice for me?
Absolutely. Finom Accounting helps Gewerbetreibenden to handle UStVA, track VAT, and keep their finances structured. You can generate EÜR-ready data and prepare for Gewerbesteuer with clean, organized records. It's designed to reduce manual work so you can focus on running your business.
I am an Einzelunternehmer, is Finom Accounting for me?
Yes. Finom Accounting covers everything you typically need as an Einzelunternehmer. Automate UStVA and UStE, generate your EÜR, and keep all transactions and receipts in one place. You'll always have accurate, export-ready data for your tax advisor.
I am a Kleinunternehmer, does Finom Accounting work for me?
Yes – even without VAT obligations, Finom Accounting helps Kleinunternehmern to stay organized. Track income and expenses, manage receipts, and prepare EÜR-ready reports when needed. It's a simple way to build structure from day one and scale as you grow.
Does Finom Accounting work for UGs and GmbHs?
Finom Accounting can support your day-to-day finance and VAT workflows. You can create and submit UStVA, UStE, and ZM, and automate bookkeeping. For full annual financial statements (Bilanz, GuV), you'd still have to work separately – more advanced reporting features coming soon.
How does Finom Accounting differ from other solutions like tax advisors, accountants or other accounting tools?
Finom Accounting makes it especially easy for beginners while still powerful enough for growing businesses. It's designed to be intuitive, so you always have a clear overview and full control of your finances – without needing to rely on manual processes. Unlike traditional accounting and tax tools, where you often have to collect, organize, and send documents back and forth, Finom keeps everything in one place. Your transactions are automatically checked, and you're notified if something is missing, so nothing falls through the cracks. Before tax deadlines, the system ensures your reports are complete and ready for submission. Compared to other accounting software, Finom goes further by combining automation with guidance. Routine tasks like document recognition, expense categorization, and report generation are handled automatically, while an integrated AI co-pilot supports you with insights and step-by-step guidance whenever you need it. Features like a built-in tax calendar make managing your finances even simpler and more efficient. And the best part: it comes at a fraction of the cost. Finom AI Accounting is free for the first six months, and the total cost for the first year is just €84 – compared to €500 to €3,000 per year for traditional accounting solutions. In short, Finom gives you the simplicity, control, and affordability to manage your finances confidently, all in one place.
Will I still need a tax advisor?
Not necessarily for day-to-day bookkeeping. Finom helps you handle most tasks yourself, but it doesn’t replace a licensed tax advisor for complex cases. You can use Finom’s Tax Advisor add-on for professional support or invite your tax advisor into your account and collaborate easily when needed.
Do I have to open a new bank account?
No. Finom Accounting is designed to work alongside whatever bank you already use. A Finom business account is available if you want a deeper integration, but it's completely optional.
How is my data protected?
Finom is a fully GDPR-compliant European company built with GoBD in mind. We use state-of-art encryption to keep your data safe. Your information is never shared without your control.

Built-in accounting that runs itself

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Accounting, done in minutes

No experience required

Save up to € 3 000 yearly

Auto-categorization

No bank switch needed

From receipts to books – automatically

Invoicing that works

Stay tax-ready all year long

The full picture, all in one place

Your AI accounting & tax co-pilot, always by your side

Meet our 200,000+ customers

Finom Accounting is built for the self-employed and small businesses

Freiberufler & Einzelunternehmer

Gewerbetreibende

Kleinunternehmer

Kapitalgesellschaften (e.g. GmbH, UG) (Beta)

Go further with a Finom business account

Human support where it matters most

Pricing that helps you grow

All-in-one Business Platform

FAQ

What makes Finom Accounting worth trying?

Does Finom Accounting work for Freelancers?

I am a Gewerbetreibender, is Finom Accounting a good choice for me?

I am an Einzelunternehmer, is Finom Accounting for me?

I am a Kleinunternehmer, does Finom Accounting work for me?

Does Finom Accounting work for UGs and GmbHs?

How does Finom Accounting differ from other solutions like tax advisors, accountants or other accounting tools?

Will I still need a tax advisor?

Do I have to open a new bank account?

How is my data protected?