Growing a business today means working across countries, currencies, and platforms. Whether you’re paying suppliers abroad, travelling for work, automating admin, or simply trying to keep everything organized, your financial tools should collaborate.

Contents

That’s exactly what this month’s Finom updates are about – from Metal card perks and faster multi-currency payments to AI-powered finance partner and new local integrations, here’s what’s worth trying.

Finom AI: your AI-powered finance partner inside Finom

AI is becoming part of everyday work – but most tools still wait for instructions. 

Finom AI takes a different approach. Built directly into your business account, it reads your transactions, invoices, balances, and account context. Ask questions in plain language, upload files, and get answers based on your real business data, not generic internet results.

This is just the beginning. Finom AI is gradually rolling out in beta and will continue evolving with proactive insights, approval-first actions, and workflows that help reduce financial admin even further.

Business account with online accounting

Meet Metal: our most rewarding business card yet

Metal is our newest premium card built for entrepreneurs that travel, spend internationally, or simply want more from their everyday payments.

Highlights include:

  • Highest cashback in Finom – 1.2%, up to €5,000/month back
  • €100,000 per month of FX-markup-free card spend
  • 1 airport lounge visit every month
  • 2 fast-track passes every month
  • 2 eSIMs, 1GB each, every month
  • Free AI subscriptions – one month of ChatGPT, Perplexity, Cursor, etc.
  • Express delivery, included
  • Premium 18g metal Visa card

Depending on your Finom plan, Metal is either included or available as an add-on.

Plans that grow with your business

Pro and Grow plans now include even more value for businesses operating locally and internationally.

Expect expanded transfer limits, premium cards, better FX conditions, local payment methods included for free, and reduced international payment costs – all designed to keep business moving.

Pro: all EUR payments free with no limits, one free Prime card per company, local payment methods free (F24, pagoPA, MAV/RAV in Italy, iDEAL | Wero in the Netherlands).

Grow: no fees for ATM withdrawals in foreign currencies outside the EUR zone or for non-EUR card payments, one free Prime card per company, one free Metal card per company, SWIFT transfer fees reduced to zero, local payment methods free (F24, pagoPA, MAV/RAV in Italy, iDEAL | Wero in the Netherlands).

Discover AI Accounting

International payments, faster and easier than ever

Running your business internationally shouldn’t mean overpaying or dealing with added complexity.

That’s why we’ve expanded our SWIFT payment capabilities:

  • GBP transfers to the UK arrive in minutes through UK Faster Payments
  • USD transfers to the US arrive within one business day through FedACH
  • Local payment rails across multiple European currencies: CHF, CZK, HUF, PLN, RON, DKK, NOK 
  • Flat €5 fee per payment, no intermediary SWIFT fees for EU/EEA banks – regardless of the currency used

Together, these updates help you send money faster, with clearer pricing and fewer surprises.

Local improvements

Some updates are designed specifically for how businesses operate in each market.

Germany: Lexware Office integration, upgraded. Our new PSD2-compliant integration brings more reliable transaction syncing and lets you initiate payments directly from Lexware Office.

Italy: Simplify books with Fatture in Cloud. Connect Finom with Fatture in Cloud to automatically sync paid invoices between platforms and reduce manual work.

Learn more about Finom

Everyday payments, improved

Enjoy a redesigned mobile experience: new sections for transactions awaiting approval and upcoming payments, a dashboard widget for pending actions, quick buttons for faster approvals, and more.

Each payment can now be approved by two team members with signing authority before it’s sent. Added security and greater control, without requiring the account owner to approve every payment.

Tip of the month: sign in with passkeys

Passkeys let you sign in and confirm payments on the web using Face ID, fingerprints, screen lock, or a USB security key (like YubiKey or Google Titan) instead of passwords and SMS codes. It’s faster, more secure, and phishing-resistant. 

What’s next

We’re continuing to invest in the things that save entrepreneurs time.

Expect Finom AI to become increasingly proactive (surfacing insights, opportunities, and risks before you ask), new local integrations across Europe, smarter payment capabilities, and even more automation built directly into your business account.

The goal stays the same: less admin, fewer tools to juggle, and more time to focus on growing your business.

Last articles