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Open a business account for an AG online
Your digital business account for the AG – with German IBAN and all financial tools included
German IBAN
Opened fully online. No hidden commisions. Up to € 3% cashback.
Wisely manage your finances with multiple wallets
Each wallet for the specific expense item. No more accidental spending of money you set aside
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Open a business account for an AG: How it works
Is a business account for a public limited company (AG) required by law?
Is it possible to open a business account for a public limited company (AG) online with Finom?
What documents are required to open an AG business account?
How quickly can I open an AG business account with Finom and will I receive an IBAN immediately?
Why should I open an AG business account with Finom?
How much does it cost to open and maintain an AG business account with Finom?
Are there business accounts for a public limited company without a SCHUFA check?
Is a business account for a public limited company (AG) required by law?
Yes, a public limited company (AG) is required by law to have a business account. A business account must be opened at the time of formation in order to pay in the required share capital of at least 50,000 euros.
The reasons for this obligation are:
- Entry in the commercial register: The payment of the share capital must be evidenced by a bank certificate – this is only possible via a business account.
- Legal independence of the AG: The AG is a legal entity. All financial transactions must be clearly assigned to the company.
- Accounting obligation: As a corporation, the AG is obliged to keep proper accounts – a separate business account is essential for this.
A business account is therefore not just a practical aid, but a legal requirement for the formation and operation of a public limited company.
Open accountIs it possible to open a business account for a public limited company (AG) online with Finom?
Yes, a business account for a public limited company (AG) can be opened completely online with Finom. The entire process is digital, without paper forms or branch visits, and is usually completed within 24 hours.
Finom uses automated interfaces to the commercial register to retrieve existing information. Additional documents are only requested if data is missing or not available digitally.
The business account is ready for use immediately after successful verification, including the German IBAN.
What documents are required to open an AG business account?
The following documents are required to open an AG business account:
- Commercial register number – required for online opening
- Information on the beneficial owners – details of the persons who manage or benefit from the AG
- ID and video identification of the legal representatives – each representative must identify themselves by video and present a valid ID – if there are more than two representatives, two of them can be selected.
- Tax number and tax identification number of all representatives – these must be submitted within 90/180 days. If the representatives are legal entities, their tax number and VAT ID number are required instead.
How quickly can I open an AG business account with Finom and will I receive an IBAN immediately?
Opening an AG business account with Finom usually takes place within 24 hours. After successful identity verification of the authorized representatives and verification of the submitted documents, you will usually receive a German IBAN immediately so that the account is ready for immediate use.Why should I open an AG business account with Finom?
A business account with Finom offers numerous advantages for a public limited company (AG):
- German IBAN: Open your account completely online and receive a local German IBAN with no hidden fees.
- Free physical and virtual cards: Issue several free VISA debit cards for you and your team. With these cards you benefit from up to 3% cashback on your spending.
- Increased security: Finom places great importance on the security of your finances. Your money is managed by our own trust foundation, which is supervised by DNB. Functions such as Passkeys and 3D-Secure also provide additional protection.
- Integration with accounting software: Seamlessly link your Finom account with popular accounting software to optimize your financial management.
- Efficient expense management: Manage your team’s expenses through individual limits and guidelines. The customizable dashboard allows you to keep track of all transactions at all times.
These features make Finom an attractive choice for AGs looking for a secure and efficient business account.
How much does it cost to open and maintain an AG business account with Finom?
Opening an AG business account with Finom is free of charge. Finom offers various tariffs for ongoing account management, depending on the range of functions and the needs of the company:
Tariff overview:
- Solo: free of charge – suitable for sole traders and freelancers. Not available for AG.
- Basic: €9 per month (€108 per year) with annual payment or €12 per month with monthly payment. For small businesses with basic requirements.
- Smart: €19 per month when paid annually (€228 per year) or €23 per month when paid monthly. Advanced features, including team access, accounting integration and higher limits.
- Pro: €119 per month when paid annually (€1,428 per year) or €149 per month when paid monthly. For larger companies with more complex structures and requirements – ideal for PLCs.
Additional benefits:
- 30-day free trial – All fee-based tariffs start with a free trial period.
- Discount for annual payment – significantly cheaper than monthly billing.
Finom generally recommends the corporate tariff for public limited companies, as this is specially designed for larger organizations with multiple user roles and extensive payment transactions.
Are there business accounts for a public limited company without a SCHUFA check?
Yes, there are business accounts for an AG without a SCHUFA check. Companies can open a business account without a credit check by SCHUFA. This is particularly advantageous for newly founded public limited companies or companies with limited creditworthiness, as opening an account is quick and uncomplicated.
Finom offers a modern business account without a SCHUFA check, which includes all essential functions such as transfers, direct debits and card payments. In addition, companies have access to innovative financial tools that make payment transactions and administration easier.
A hassle-free business account for AG, local IBAN included.
Open your AG business account in an instant, complete with a German IBAN.
Link your bank accounts to Finom
Connect all your other online banking accounts to Finom. Access all your wallets, transactions, account statements, and tax assessments across several banks on a single platform. You can even delete those bank apps altogether
Control your spending flow
Use your business account to manage team expenses and enhance your financial planning
Finom pricing and plans
Subscription plans at a fair cost tailored to fit your business.
For freelancers who need simple, essential features
You save € 24
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
You save € 48
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
Business account
Business account
Business account
Users included
1
Users included
2
Users included
Cashback
0%
Cashback
1%
Cashback
3%
AI Assistant
AI Assistant
AI Assistant
Chat support
Up to 1 business day
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Account Manager
Account Manager
Account Manager
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)
Free outgoing SEPA transfers
€2 500
Free outgoing SEPA transfers
€25 000
Free outgoing SEPA transfers
€50 000
Free VISA physical cards per user
0
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA virtual cards per user
1
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Outgoing international payments
1%
Outgoing international payments
0.50%
Outgoing international payments
0.40%
Role and user management
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
You save € 24
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
You save € 48
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
You save € 360
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
Business account
Business account
Business account
Users included
2
Users included
Users included
Cashback
1%
Cashback
3%
Cashback
unlimited cashback up to 0,5%
AI Assistant
AI Assistant
AI Assistant
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Manager
Account Manager
Account Management team
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)
Free outgoing SEPA transfers
€25 000
Free outgoing SEPA transfers
€50 000
Free outgoing SEPA transfers
€100 000
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Free VISA virtual cards per user
Outgoing international payments
0.50%
Outgoing international payments
0.40%
Outgoing international payments
0.20%
Role and user management
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
You save € 360
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
You save € 1.080
For small to medium-sized businesses scaling at speed. Our most comprehensive package with concierge-level support and full customization
Business account
Business account
Users included
Users included
Cashback
unlimited cashback up to 0,5%
Cashback
unlimited cashback up to 1%
AI Assistant
AI Assistant
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Management team
Account Manager
Dedicated Account Manager
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)
Free outgoing SEPA transfers
€100 000
Free outgoing SEPA transfers
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
Free VISA virtual cards per user
Outgoing international payments
0.20%
Outgoing international payments
0.10%
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Security is our top priority
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
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
Customer support, providing real-time care
Help is just a click away
Interactive Help Center available 24 hours
Fast response time
Contact us on e-mail: hello@finom.co
FAQ
What is an AG business account?
An AG business account is a bank account that is opened and managed specifically for a public limited company (AG). It is used to process all financial transactions of the company – for example, the payment of invoices, salaries, taxes or the receipt of customer payments.
The main features of an AG business account are:- The account holder is the AG, not an individual natural person.
- Only authorized representatives act in a legally binding manner, usually board members with individual or joint power of representation.
- For the notarized formation of an AG, the share capital of at least €50,000 must be paid into a business account – usually a so-called capital investment account.
- Use exclusively for business purposes: Private payments or mixing with private finances are not permitted.
When can I apply to open an AG business account?
The opening of an AG business account can be applied for before entry in the commercial register. This is necessary because the minimum share capital of €50,000 must be paid into the account so that the AG can be entered in the commercial register. As soon as the capital has been paid in, the bank issues a deposit confirmation, which is required for registration in the commercial register. After registration, the account can be used in full.What happens to the AG business account if the AG is dissolved?
If an AG is dissolved, the AG business account remains in place until all legal and financial obligations have been settled. After the dissolution of the AG, there is usually a liquidation phase in which the account is used for the following purposes:
- Settlement of outstanding invoices and debts
- Payment of the remaining company assets to the shareholders
- Fulfillment of tax obligations
As soon as the liquidation is completed and the AG is deleted from the commercial register, the business account is terminated.
Who can open a business account for an AG?
A business account for a public limited company (AG) can generally be opened by the legally authorized representatives of the company, i.e. the members of the board of directors or managing directors. They are authorized to act on behalf of the AG and to take all necessary legal and financial steps to open the account. It is also possible for other persons, such as authorized signatories, to take on the task of opening a business account with appropriate authorization. However, these powers of attorney must be clearly defined and documented and presented to the bank when the account is opened in order to prove the authority of these persons
