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Your free start as a self-employed entrepreneur

Thinking of starting a business? Get self-employed status for free and start working right away – 100% online.

Register as a self-employed

Start as self-employed in hours

  1. Sign up for Finom
  2. Click ‘I want to get self-employed status’
  3. Fill out a convenient form in your preferred language
  4. Our trusted partner Norman will send it to tax authorities for you
  5. Open a business account with a local IBAN
  6. No need to wait for a tax number: you can provide it in 90 days

Registering your business has never been easier

Become self-employed in a couple of clicks – fully online. Norman, our trusted partner in Germany, will send your tax registration form for you.

  • Register for free, no strings attached

  • Complete the process online with no paperwork

  • Fill out a simplified form with no irrelevant questions

  • Apply in both German and English

  • Have your tax form* sent directly to Finanzamt with no Elster account required

*Fragebogen zur steuerlichen Erfassung

Get the easiest financial tool for the self-employed

Open a fully functional free Solo account for freelancers. Get a local IBAN in 24 hours and use convenient invoicing tools

  • Use our Solo plan for free – it’s €0 per month

  • Create and send professional invoices in seconds

  • Categorize and track your expenses automatically

  • Chat with our team in your language, 7 days a week

Cards

Physical and virtual cards for every project

  • Unlimited and instantly issued virtual cards

  • Cash withdrawal in every European ATM

  • Apple Pay & Google Pay

Invoicing

Simple, powerful – built to get you paid twice as fast

  • Shared in seconds via email or messenger

  • One-click payment link in every invoice you send

  • Customers are reminded on overdue payments with smart notifications

Get started now

Register your business without queues, paperwork, and face-to-face appointments. Get ready to start your business in hours.

Become self-employed

FAQ

  • When can I start my business activities?

    You can start working right away, no need to wait for a letter from the Finanzamt. Finom will help you create an invoice for your first customer to get paid fast. After creating a business account, you have 90 days to provide your tax ID.

  • How exactly does Norman help me with registration?

    Norman simplifies the process of tax registration. You fill out a convenient Norman form with no questions that are irrelevant for your business – in German or in English. Norman then sends your documents to the German tax authorities for free. You don’t need to wait for an official response from the tax office – you can start right away and open a business account with Finom.

  • Why is it better than sending the documents myself?

    Norman simplifies the process and lets you fill out the form in German or in English. It is a more convenient and straightforward form that minimizes the risk of mistakes.

  • Do I get a German IBAN?

    Yes, you do! All Finom accounts in Germany receive a German IBAN, both through our own license and our partnership with Solaris SE.

  • How safe is my money with Finom?

    Your money is in safe hands because we strive to provide a high level of security to protect it:

    • With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction.
    • Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity.
    • Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud.
    • The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls.

    For accounts operating under Finom’s own license, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., i.e. Safeguarding your account via Finom Payments B.V.:

    • When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account.
    • It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else.
    • We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds.
    • We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk.
    • Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB.

    For more information, please refer to the Terms of Finom Payments.

    For accounts operating under Solaris license, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE and not PNL Fintech B.V. For more information, please refer to the Terms of Solaris SE.