A lot of what fills a working day isn’t really the work. It’s retyping an IBAN from a supplier’s PDF, waiting until Monday to exchange currency, or finding ten spare minutes to order a card for a new hire.

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This edition is about handing those bits over. Finom AI can now carry out tasks for you, PhotoPay reads supplier invoices on web, foreign exchange runs around the clock, and a few things in the app have moved closer to hand. Here’s what’s worth trying.

Finom MCP: your account, in your AI tools

If part of your week already happens in Claude or ChatGPT (planning, drafting, working through the numbers), Finom MCP puts your account in the same conversation. Add Finom as a connector, and your assistant can answer from your live Finom data instead of a general guess.

Connect once, then just ask

Setting it up takes about two minutes:

  • Add Finom in your assistant. Open the connector settings in Claude or ChatGPT, and add Finom. There’s no developer setup and no API keys to manage.
  • Sign in with your Finom login. You authenticate with Finom directly and approve the connection. Your credentials are never shared with the AI provider.
  • Ask in plain language. Ask about your Finom data the way you’d say it loud. Answers come back live, scoped to what your role can already see.

Where it earns its keep

The questions that used to mean logging in and scrolling through a dashboard are now a sentence away. A few that come up a lot:

  • “Which invoices are still unpaid?” before you start the chasing.
  • “Show all transactions over €500 from last week” when you’re closing the month.
  • “Show me this quarter’s VAT report data” when your accountant asks.
  • “Show me our cards grouped by who holds them” when the team changes.
  • “Give me a summary of yesterday’s business activity” with your first coffee.

Payments, invoicing, accounting, and cards are all covered, and it’s included in your Finom plan.

Your data is yours alone

Read-only access. The assistant sees exactly what your existing permissions allow and nothing more. You sign in with your own login, so at no point do Claude or ChatGPT get access to your credentials. And you can revoke the connection from your assistant’s settings whenever you like.

Business account with online accounting

Finom AI now takes action

Finom AI began as a place to ask questions about your finances, and in the last edition it learned to handle invoicing. Now it takes on a much wider set of everyday tasks, and it’s there in your account around the clock.

Ask it to order a card for a colleague, invite a new team member, draft an invoice, or send a batch of payments. It prepares the whole thing. You see exactly what it’s about to do, change anything that needs changing, and confirm. Nothing happens without that confirmation, so you stay in charge of every action. You just skip the clicking around.

It still answers questions, of course. About your spend, your invoices, your cards and who holds them. And if a task needs a real person, support can join the same chat, so you don’t have to start again somewhere else or explain the context twice.

Investments: now in USD too

Available in all markets except Italy (yet).

When Investments launched, you could move surplus EUR into a Money Market Fund without leaving Finom. Now your dollars can do the same.

If your business holds USD, that balance can go into a Money Market Fund directly from your Finom account. There’s no separate platform to sign up for and no money leaving your business account for somewhere you can’t see it. Everything stays in one place: the same login, the same overview, the same clean activity records for your reporting.

A quick refresher on Money Market Funds

Money Market Funds are regulated investment vehicles that invest in short-term, high-quality instruments such as government bonds and treasury bills. Three things worth knowing:

  • Low risk, not zero risk. MMFs are not deposit accounts. Returns can vary, though these assets are designed for stability.
  • Built for liquidity. Unlike fixed-term deposits, MMFs are structured so funds can be accessed at any time.
  • Historically higher returns. Over time, MMFs have offered returns above standard accounts.

Important: capital at risk. Money Market Funds are not deposit accounts and are not a guaranteed investment. Past performance is not a reliable indicator of future results. Terms and conditions apply.

Discover AI Accounting

PhotoPay, now on web

Paying a supplier invoice has a familiar rhythm: open the PDF, find the IBAN, copy it across, check it, copy the amount, add the reference, check it all again. It’s a small job that’s easy to get slightly wrong, and one wrong digit means a payment to chase.

PhotoPay on web takes the copying out of it. Upload the invoice to Finom. It extracts the payment details (IBAN, amount and reference) and pre-fills the transfer. You review what it found, correct anything that looks off, and confirm.

It’s worth giving the pre-filled details a glance before you confirm, as you would with any payment. That glance is still a good deal quicker than typing everything in.

A quicker way around Finom

We’ve moved a few things so that the ones you reach for most are closer to hand.

In the app, Settings, your cards, and the option to hide your balance now sit at the top of every screen rather than a few taps away, and cashback is easier to spot. The More tab brings all your products together in one place, from Accounting to Integrations, so when you’re not sure where something lives, there’s one obvious place to look.

On web, the side menu is shorter, with related products grouped together.

The web changes are live for everyone. The app update is rolling out gradually, so if yours still looks the same today, it’s on its way.

Learn more about Finom

Foreign exchange, 24/7

Currency exchange used to keep office hours. If a supplier needed paying in dollars on a Saturday, or a client paid you in another currency on a bank holiday, the exchange waited for the next working day.

Now you can exchange any currency to EUR, and EUR to USD, at any time, evenings, weekends and public holidays included. Whenever a payment needs another currency, you can sort it there and then.

Local transfers to Australia, Canada, Hong Kong and Singapore

Four more destinations now run over local payment rails rather than SWIFT: Australia, Canada, Hong Kong, and Singapore. Your money travels through the national network at the other end, so it reaches your business partners faster and doesn’t pick up intermediary bank fees along the way. You send the transfer as you normally would.

Auto-transfers between wallets

Wallets are a simple way to keep money for different purposes apart: one for VAT, another for paying contractors. Auto-transfers keep them topped up without you having to remember.

Set a rule, for example 10% of every incoming payment into your “Contractors” wallet, and Finom moves the money each time a payment lands. Your funds stay organised, there are no transfers to do by hand, and when the bill arrives, the money is already where it needs to be.

Germany: founding a company with Firma and Finom

Founding a company in Germany comes with a fair amount of paperwork. Our new guide walks you through the formation process step by step, and we’ve teamed up with Firma to make the rest lighter: you can get up to €200 off a Firma formation package.

Firma’s service is fully digital and comes with a dedicated digital advisor, and it can have your company founded in as little as 7 days.

Netherlands: iDEAL is becoming Wero

iDEAL is becoming Wero, the new European way to pay. For you, very little changes. Where a checkout offers Wero, you choose it and approve the payment in the Finom app, just as you did with iDEAL. There’s nothing to activate and nothing to set up.

What’s next

Finom AI is the main thread for the coming months. Next up is an external MCP connection inside Finom AI, followed by SWIFT and FX payments sent straight from the chat. As with everything Finom AI does today, you’ll confirm before anything moves. Also: Prime and Metal cards will come with an insurance package included, at no extra cost, for companies in Germany, France, and Italy.

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