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Open a business account for an oHG online
Your oHG account – fast setup with German IBAN and powerful financial tools
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Open a business account for an OHG: How to do it
Is a general partnership business account mandatory?
What documents are required to open an OHG business account with Finom?
Can I open an OHG business account online with Finom and receive an IBAN immediately?
Is it possible to open an OHG business account completely online?
Is it possible to open a business account for an OHG with Finom without a SCHUFA check?
What are the advantages of opening an online business account for a general partnership with Finom?
How much does it cost to open a business account for an OHG with Finom?
How long does it take to open an OHG business account with Finom?
How does Finom protect your money when you open an OHG business account?
Is a general partnership business account mandatory?
A business account is mandatory for a general partnership (OHG) as it is required by law to properly document a company’s income and expenditure. A business account enables the clear separation of private and business finances, which is necessary for bookkeeping and tax returns.
Open accountWhat documents are required to open an OHG business account with Finom?
The following documents are required to open an OHG business account with Finom:
- Commercial register number: This is required to open the business account online.
- Information on the beneficial owners: Details of the persons who manage or benefit from the company
- ID and video identification of the legal representatives: Each representative must identify him/herself by video and present his/her ID. If there are more than two representatives, two can be selected.
- Tax number and tax identification number of the legal representatives: These must be presented within 90/180 days of opening the account. If the representatives are legal entities, we require their tax number and VAT ID number.
Can I open an OHG business account online with Finom and receive an IBAN immediately?
Yes, you can open an OHG business account online with Finom. The process only takes about 15 minutes. You will usually receive a German IBAN within 24 hours. The opening process is quick, easy and does not require a personal visit.Is it possible to open an OHG business account completely online?
Yes, at Finom it is possible to open an OHG business account completely online. The entire process, from registration to verification, can be done conveniently via the website or app. You don’t have to visit a branch in person and usually receive your IBAN within 24 hours. Finom therefore offers a quick and easy solution for opening an account, which is ideal for companies and the self-employed.Is it possible to open a business account for an OHG with Finom without a SCHUFA check?
Yes, at Finom it is possible to open a business account for a general partnership without a Schufa check. Finom relies on an uncomplicated account opening process that does not require a Schufa check, so that even companies that do not want such a check can open an account.What are the advantages of opening an online business account for a general partnership with Finom?
Opening an online business account for a general partnership with Finom offers numerous advantages:
- Fast account opening: The entire process is digital and only takes around 15 minutes. You will usually receive your IBAN within 24 hours.
- No need to visit a branch: Opening an account is done completely online, which saves time and effort.
- No Schufa check: Finom does not carry out a Schufa check, which is particularly important for companies that do not want a Schufa check.
- Easy accounting: Finom offers tools to easily manage your finances, including automatic receipt entry and easy integration with accounting software.
- Multibanking function: You can link your Finom account with other bank accounts and monitor all transactions in one place.
- Customer service: If you have any questions or problems, reliable and fast customer service is always available.
- Scalability: Finom offers flexible rates that can be adjusted as needed so that the account grows with your business.
These advantages make opening a business account with Finom particularly attractive for a general partnership.
How much does it cost to open a business account for an OHG with Finom?
Opening a business account with Finom is free of charge. There are no one-off fees for opening an account. The monthly costs depend on the chosen plan:
- Basic: €9/month with annual payment (€12/month with monthly payment)
- Smart: €19/month with annual payment (€23/month with monthly payment)
- Pro: €119/month with annual payment (€149/month with monthly payment)
- Grow: €249/month with annual payment (€339/month with monthly payment)
Please note that additional fees may apply for certain services, such as international transfers or additional team members. There is a 30-day trial period. You will receive a discount if you pay annually.
How long does it take to open an OHG business account with Finom?
Opening a business account for an OHG with Finom usually only takes about 15 minutes. After registration and identification, you will receive a German IBAN within 24 hours and can use your account immediately. The process is completely online and does not require a personal visit to a branch.How does Finom protect your money when you open an OHG business account?
Finom works with regulated partner banks. These banks are subject to supervision by BaFin or ACPR (French financial regulator) and comply with all the provisions of the EU Payment Services Directive (PSD2).
The funds of Finom customers, including OHG, are not mixed with company assets, but are managed separately in trust accounts. In the event of insolvency, this means:
- The OHG’s money remains protected.
- It is not legally part of the insolvency estate of Finom or the partner bank.
As the funds are held at fully regulated banks, the statutory deposit protection also applies.
Finom also protects account data and transactions with modern security technology:
- Two-factor authentication (2FA) for logins and transfers
- Data encryption in accordance with banking standards (TLS/SSL)
- Security certifications (e.g. ISO 27001, if provided by the partner banks)
- Real-time monitoring of transactions for fraud detection
Finom also complies with strict anti-money laundering (AML) and Know Your Customer (KYC) identification regulations, which means:
- Only verified users may open business accounts
- Transactions are actively monitored
- Suspicious activities are automatically checked and blocked if necessary
So is a Finom account for a general partnership safe? Yes, Finom offers a high level of security comparable to traditional banks through its regulated banking partners, legal protection mechanisms and technical security measures. For a general partnership (OHG), the account is therefore both legally and technically secure.
A hassle-free business account for oHG, local IBAN included.
Manage your oHG finances with a business account featuring IBAN.
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For freelancers who need simple, essential features
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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
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To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds
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Your money is protected with secure passwordless authentication and single-use passwords
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Interactive Help Center available 24 hours
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Contact us on e-mail: hello@finom.co
FAQ
What is a general partnership business account?
A business account for a general partnership (OHG) is a special bank account that is used to manage the company’s financial transactions and ensure a clear separation between the private finances of the partners and the business transactions of the OHG. It enables efficient monitoring of income and expenditure, facilitates bookkeeping and is necessary for making payments, receiving customer payments and managing cash flows. Setting up a business account is also important from a legal perspective, as the OHG is entered in the commercial register as a commercial trading company and therefore requires proper bookkeeping.Can an OHG have several business accounts?
Yes, a general partnership (OHG) can open several business accounts, both at the same bank and at different banks. This enables differentiated financial management, for example by separating income and expenses according to business areas or projects. With Finom, you also have the option of managing all bank accounts centrally via the multibanking function. This makes financial overview and control much easier.What happens to the OHG business account when the OHG is dissolved?
When a general partnership (OHG) is dissolved, the business account remains active during the subsequent liquidation phase in order to process all necessary financial transactions. During this phase, ongoing transactions are terminated, receivables are collected and liabilities are settled. Only after these activities have been completed and the remaining assets have been finally distributed is the business account closed and the company deleted from the commercial register.
