Free physical & virtual cards
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
- Pay on the go with Apple Pay & Google Pay
Open a business account for a GbR online
An account with a German IBAN – tailored for civil law partnerships
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
- Effortlessly create wallets in seconds
- Instantly transfer funds between wallets
- Easily track your expenses by each wallet
Open a Business Account Online for a GbR: How Does It Work?
Which Documents Are Required to Open a GbR Account with Finom?
Which Plan Is Best for a GbR at Finom?
How long does it take to open a GbR business account with Finom?
What are the advantages of opening a GbR business account with Finom?
Can a GbR business account be opened with Finom without a SCHUFA check?
Can a GbR business account also be used by multiple shareholders?
How does Finom protect your data – and how does the secure account opening process work?
Can I open a business account for a GbR with Finom completely online?
What fees apply for opening and maintaining a GbR account?
Which Documents Are Required to Open a GbR Account with Finom?
Finom offers business accounts specifically designed for GbRs, enabling efficient management of payments, personnel costs, and sub-accounts. First and foremost, it’s important that your GbR is registered with the Trade Office (Gewerbeamt) and has a tax number, since Finom only offers business accounts. The account can only be opened for GbRs with a commercial purpose, whose shareholders are natural persons.
To open the account, the following documents are required:
- Trade license (Gewerbeschein)
- Partnership agreement (Gesellschaftsvertrag)
- ID and video identification for all shareholders
- Within 90/180 days after opening the business account:
- Tax number and tax identification number of all shareholders
Note: In individual cases, we may request additional documents.
Open accountWhich Plan Is Best for a GbR at Finom?
Finom’s Smart Plan is the best choice for a German GbR.
- Price: €28 per month – or €24 per month with annual billing (plus VAT), saving you €48 per year.
- 30-Day Trial: The first monthly fee is charged only after a free trial month.
Key Features for Your GbR
- 5 user accounts included – ideal if multiple partners are actively involved
- Up to 10 sub-accounts (multi-accounts) – useful for projects, tax reserves, or provisions
- Unlimited virtual cards + 3 physical cards per user – and up to 3% cashback
With Finom Smart, you get enough user and account flexibility to involve all shareholders and efficiently manage your GbR’s finances. Plus, the free trial month and annual discount help keep your budget in check.
How long does it take to open a GbR business account with Finom?
Typically, your online business account is fully activated within 24 hours. Even during the regulatory review, you’ll already have access to your online banking, the software, and your German IBAN – so you can get started right away.What are the advantages of opening a GbR business account with Finom?
The Finom business account for your GbR offers the following benefits:
- Fast online opening (24 hours) – The account opening process is fully digital, and your German IBAN is active even during the data verification phase.
- Unlimited virtual and up to three physical VISA debit cards per user – All cards are free and support Apple Pay/Google Pay; plus up to 3% cashback.
- Multiple sub-accounts (wallets) – Separate projects, tax reserves, or budgets clearly in sub-accounts with their own IBAN, keeping every funding source in view.
- Multibanking – Link external bank accounts and get an overview of all transactions, wallets, and statements in one dashboard.
- Automated invoicing and accounting – Over 30 integrations, including DATEV, Lexoffice, and Sage, plus AI-powered receipt recognition save you time every day.
- Real-time expense management – Set card and team limits, approve payments on the go, and monitor expenses live through a customizable dashboard.
- Five user accounts at no extra cost (Smart) – Ideal if multiple shareholders are actively involved.
- 30-day trial + annual discount – Try all Smart features free for one month and save around 18% with annual billing.
Finom combines account, cards, accounting, and expense control in a single app – perfect if you want to manage your GbR’s finances digitally, efficiently, and collaboratively.
Can a GbR business account be opened with Finom without a SCHUFA check?
Yes, with Finom you can open a business account for your GbR without a SCHUFA check. This makes it possible for individuals with negative SCHUFA entries to use a fully functional business account.Can a GbR business account also be used by multiple shareholders?
Yes, a GbR business account at Finom can be used by multiple shareholders. Finom allows several team members to access the account, so all shareholders can jointly manage the finances. Additionally, individual prepaid cards can be issued for each team member, and specific spending limits can be set to ensure transparent and efficient financial management.How does Finom protect your data – and how does the secure account opening process work?
Finom uses multi-level security mechanisms throughout the entire onboarding and usage process, certified according to European banking and data protection standards.
Secure, fully digital account opening
- Video identification with Sumsub: Your ID data is verified in an encrypted live session and processed in accordance with EU GDPR.
- TLS-encrypted document transmission: All uploaded files are transmitted only via secure connections and then stored in encrypted form.
- KYC and AML checks: Finom’s compliance team, including AML trainees, reviews every account opening in accordance with §§ 10 ff. GwG.
Strongly protected access
- Strong customer authentication (SCA) with mandatory two-factor login (OTP + password)
- Passkeys and biometrics: You can log in completely without a password using fingerprint, Face ID, or FIDO2 security key – phishing-resistant and PSD2-compliant.
- Granular permissions: You can define exactly which accounts, cards, or functions are visible for each team member.
Protection of your funds
- Separate safeguarding structure: Customer funds are held in trust accounts at BNP Paribas and managed by a safeguarding foundation supervised by the Dutch Central Bank (DNB).
- 3-D Secure and card encryption: Online payments are secured through one-time passwords and chip-based encryption.
Infrastructure and compliance
- EU servers and full GDPR compliance: All data is stored in high-availability data centers within the European Union.
- Regular external pen tests and security audits: Finom operates at ISO 27001 level and publishes its audit reports.
Finom protects your ID and company data during digital account onboarding with encrypted video identification and strict KYC checks. After opening, passwordless passkeys, two-factor login, EU servers, and trustee-managed customer funds ensure that both your data and capital are secured at all times according to the highest European security standards.
Can I open a business account for a GbR with Finom completely online?
Yes – opening a GbR account with Finom is 100% digital, with no paperwork or branch visits required. You receive a German IBAN already during the application process, and the account becomes fully usable no later than 24 hours after successful verification.What fees apply for opening and maintaining a GbR account?
Opening a GbR account with Finom is completely free. After that, the costs depend on the plan you choose:
- Basic: €9/month
- Smart: €19/month
- Pro: €119/month
- Grow: €249/month
(all prices based on annual billing, plus VAT).
Each plan includes its own free quota for SEPA transfers, cash withdrawals, and card usage; variable fees only apply if these are exceeded or for international transactions. Virtual cards are always free, and physical cards are included depending on the plan. You also get a 30-day free trial to test the service, and by paying annually you benefit from a significant discount compared to monthly billing.
A hassle-free business account for GbR, local IBAN included.
Instantly open a GbR business account with 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 € 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 GbR business account?
A GbR business account at Finom is an account specifically designed for civil law partnerships (GbRs) that enables efficient management of business transactions. It can be used to make payments, track personnel expenses, and create sub-accounts for various business areas. The account provides digital tools for accounting and financial management, simplifies payment processes, and supports the financial organization of a GbR. It serves as a central platform for managing financial and business operations. Opening a business account with Finom is not only possible for GbRs but also for sole proprietors, freelancers, and owners of GmbH, UG, oHG, and other business types.Is opening a GbR business account mandatory?
In Germany, there is no legal requirement for GbR shareholders to open a specific GbR business account. However, it is recommended for practical reasons, as it helps to separate business and personal finances, which significantly simplifies accounting and financial management. A business account also often includes features tailored to business needs, such as better payment overviews, invoicing tools, and the ability to manage finances jointly.What is a joint account for a GbR?
A joint account for a GbR is a business account managed collectively by all shareholders. It is used to separate private and business finances, enables professional payment handling, and simplifies bookkeeping. All shareholders usually have equal access rights or can assign powers of attorney. To open such an account, ID cards, the GbR agreement, and a trade registration are typically required.What is the difference between a GbR business account and a joint account for a GbR?
For a GbR, a dedicated business account is often the better choice, as it is tailored to the needs of businesses. Business accounts offer features such as accounting integrations, multiple user accesses, and special business cards. They are designed to simplify financial management for business partners, which is not the case with a standard joint account. Ultimately, the decision depends on the specific requirements of your GbR.Can a GbR have multiple business accounts?
Yes, a civil law partnership (GbR) can open multiple business accounts. There are no legal restrictions limiting the number of business accounts a GbR can hold. Opening several accounts can help make financial transactions more transparent and improve the management of various business areas or projects. However, it is important to consider the requirements and terms of each bank. Some banks may require specific documents or have certain conditions, especially when opening multiple accounts for the same GbR. Therefore, it is advisable to consult the respective bank in advance to ensure that all conditions are met and account management proceeds smoothly.What happens to the GbR business account when the partnership is dissolved?
- Pass a resolution → Inform the bank As soon as the shareholders have formally decided to dissolve the partnership (or in the case of a registered eGbR, have initiated deletion from the company register), you must inform Finom or the partner bank in writing and submit the resolution or registry excerpt. Only then can the account be converted into a liquidation or settlement account.
- Liquidation phase: Account remains active During the statutory settlement process (§§ 730 ff. BGB n. F.), all outstanding payments of the GbR continue to be processed via the account. The previous or officially appointed liquidators have access to the funds, settle liabilities, and collect outstanding receivables. Closing the account prematurely is not advisable, as direct debits, tax payments, or refunds could otherwise fail.
- Close the account once everything is settled Once all debts are paid and the remaining balance has been distributed to the shareholders, the account is formally terminated. Like any bank, Finom requires a written account termination signed by all authorized persons; the remaining funds will then be transferred to the destination accounts you specify.
- Observe post-liability Even after the account is closed, the (former) shareholders remain personally liable for past liabilities – legally up to five years after the dissolution of the GbR. Therefore, keep account statements and records to provide evidence for any future claims.
At Finom, your GbR account remains fully functional during the liquidation phase. Once all obligations are settled, you cancel the account in writing, the remaining balance is distributed, and the account is closed free of charge. However, the personal liability of the shareholders only ends five years after the completion of liquidation.
