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Issue multiple free VISA debit cards for you and your team, 0% commission
- ATM withdrawal limit up to € 5 000 per card
- Issue, limit, top up or block in a single click
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Open a business account for freelancers online
Your smart account – ready in just 15 minutes, 100% digital and with no hidden fees
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 as a freelancer: Here’s how
Do I need a business account as a freelancer?
What documents do I need to open a business account online with Finom as a freelancer?
How can I open a business account with Finom as a freelancer?
What are the costs for opening and maintaining a business account as a freelancer with Finom?
As a freelancer, can I collect direct debits with a business account at Finom?
How does a business account with Finom help freelancers with financial management?
How long does it take to open an account for freelancers at Finom?
Does Finom offer a free account for freelancers?
Do I need a business account as a freelancer?
As a freelancer, you are not obliged to have a business account, but it makes sense for accounting and tax reasons. It helps to separate private and business finances, makes tax returns easier and makes you look more professional. Some banks also prohibit the business use of personal accounts, and some payment services require a business account. If you have few transactions and your bank allows it, you can use a private account. Otherwise, it is worth having a business account to avoid legal and organizational problems.
Open accountWhat documents do I need to open a business account online with Finom as a freelancer?
To open a business account with Finom as a freelancer, you need a valid ID and must complete a video identification process. You must also submit your tax identification number within 90 or 180 days of opening the account.How can I open a business account with Finom as a freelancer?
As a freelancer, you can easily open a business account with Finom online. The process takes just a few steps:
- Registration → Go to the Finom website and select the business account for freelancers.
- Enter your personal details → Enter your name, email address and business information.
- Identity check → Upload a valid ID card or passport and go through the video identification process
- Confirmation and account opening → After successful verification, your account will be activated.
- Submit your tax ID → Within 90 or 180 days of opening your account, you must provide your tax identification number.
After opening, you can immediately make transfers, manage invoices and benefit from Finom’s business functions.
What are the costs for opening and maintaining a business account as a freelancer with Finom?
Opening a business account with Finom is completely free of charge. For self-employed people with basic requirements, we recommend the free Solo plan. If you need additional functions or extended services, you can switch to one of the paid plans at any time:
- Basic: €9 per month with annual payment (€108 per year) or €12 with monthly payment – ideal for growing companies
- Smart: €19 per month with annual payment (€228 per year) or €23 with monthly payment – with extended tools and higher limits
- Pro: €119 per month with annual payment (€1,428 per year) or €149 with monthly payment – for larger companies with more complex requirements
All plans can be tested free of charge for 30 days. You also receive an attractive discount if you pay annually.
As a freelancer, can I collect direct debits with a business account at Finom?
Yes, as a freelancer you can collect SEPA direct debits with a business account at Finom. Finom offers both the SEPA Core Direct Debit Scheme for private customers and the SEPA B2B Direct Debit Scheme for business customers. Please note that fees of €2 per transaction apply for outgoing direct debits in the free Solo tariff. In the fee-based Start and Premium tariffs, however, these transactions are free of charge.How does a business account with Finom help freelancers with financial management?
A business account with Finom makes financial management easier for freelancers thanks to several functions:
- Automatic categorization → Automatic sorting of income and expenses, which simplifies bookkeeping
- Invoicing → Direct creation and management of invoices from the account
- Multi-banking → Integration of different accounts for central management of all finances
- Virtual and physical cards → Easy management of business expenses with individual limits
- Real-time notifications → Full control over transactions with instant updates
- Interfaces with accounting software → Integration with programs such as DATEV and Lexoffice for seamless bookkeeping
These features save time, improve clarity and minimize errors in financial management.
How long does it take to open an account for freelancers at Finom?
Opening a business account for freelancers at Finom usually only takes around 15 minutes. The entire process can be completed online – traditional Postident verification is not required.
For freelancers without a trade license, such as journalists, designers or consultants, no business documents need to be submitted, so the account can be used immediately after registration.
For freelancers with a trade license (sole proprietorship), the trade license is requested as part of the registration process.
Nevertheless, the process remains quick and uncomplicated – opening an account also only takes around 15 minutes.
As a rule, a German IBAN is assigned immediately after registration so that payments and transfers can be made directly.
Does Finom offer a free account for freelancers?
Yes, Finom offers a free business account for freelancers with the Solo tariff.
The features of the free Solo plan:
- €0 monthly basic fee
- €2 per transaction for outgoing SEPA transfers
- Virtual debit card including
- Real-time notifications of transactions
- Invoicing directly in the account
- Multi-banking function for managing multiple accounts
The Solo account is particularly suitable for freelancers with a low transaction volume. If you need more SEPA transfers or extended functions, you can upgrade to the Basic, Smart, Pro or Grow tariffs, which are subject to a fee.
A hassle-free business account for freelancers, local IBAN included.
A business account with a German IBAN designed for freelancers. Free and 100% online.
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 € 36
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 € 36
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 a business account for freelancers?
A business account for freelancers serves to separate private and professional financial flows. It makes bookkeeping, tax returns and financial management easier by providing a clear overview of income and expenses.Business account or private account for freelancers – which is better?
A business account is the better choice for freelancers in most cases, as it clearly separates business and private finances, makes bookkeeping easier and offers tax advantages. In addition, banks and payment services often expect a business account for business transactions. A private account may be sufficient if the bank allows it and only a few transactions are made. In the long term, however, a business account is usually the more professional and practical solution.Current account or business account for freelancers – what’s the difference?
A current account is primarily intended for private payment transactions and may not be used for business purposes by many banks. It usually offers fewer functions in terms of bookkeeping and tax administration. A business account is specifically designed for business transactions and often offers additional functions such as invoicing, interfaces to accounting programs and several cards or sub-accounts. It usually costs more than a current account, but offers legal and tax advantages as it makes it easier to separate private and business payments.What are the advantages of a business account for freelancers?
A business account offers freelancers several advantages:- Clear separation of private and business payments → Bookkeeping and tax returns are made easier.
- Professional appearance → Invoices and transfers are made via a business account, which looks more serious.
- Better overview and control → All business income and expenses can be seen at a glance.
- Access to business functions → Many business accounts offer interfaces to accounting software, sub-accounts or multiple cards.
- Compliance with banking guidelines → Some banks do not allow business transactions on private accounts.
- Facilitated collaboration with tax advisors → All relevant data is structured and separated from private finances.
- In the long term, a business account saves time and reduces errors in tax and financial matters.
Can freelancers open a business account without registering a company?
Yes, freelancers can open a business account without registering a company. In Germany, freelancers, including doctors, journalists and consultants, are not considered tradespeople and therefore do not have to register a business.Can I have multiple business accounts as a freelancer?
Yes, as a freelancer you can have several business accounts both with Finom and with other banks. There is no legal restriction on the number of business accounts.- Better financial organization → Separation of different sources of income or projects
- Optimization of costs and functions → Use of specific advantages of different banks, for example cheap SEPA payments at one bank, better accounting tools at another
- Reduction of risks → If there are problems at one bank or restrictions are implemented, an alternative account remains available.
