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Business account for sole entrepreneurs — 100% online, free

Business account for sole entrepreneurs that lets you manage your finances right from your phone. All-in-one app with IBAN, cashback, invoicing, expense management, and much more, all without hidden fees

Open account

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
Learn more

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
Learn more

A hassle-free business account for sole entrepreneurs, local IBAN included.

A business account for individual entrepreneurs 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

  • Empower your employees with debit cards for any purpose
  • Set individual limits and spending policies
  • Authorize teammates to use the account if you need
  • Enjoy real-time expenses tracking in customizable dashboards
  • Get insights on the money flow and your business account balance
Learn more

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers and new entrepreneurs who need simple, essential features

€ 0

/ month

€ 0

/ month

Open account
Recommended

Start

For growing businesses that need advanced features to manage their increasing operations.

€ 9

/ month

excl. VAT

€ 7

/ month

excl. VAT

You save € 24

30-day trial

Premium

For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits

€ 28

/ month

excl. VAT

€ 24

/ month

excl. VAT

You save € 48

30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

5

Multiaccounts

Multiaccounts

Multiaccounts

Cashback

0 %

Cashback

2 %

Cashback

3 %

Dedicated Account Manager

Dedicated Account Manager

Dedicated Account Manager

Accounting & Invoicing

Accounting & Invoicing

Accounting & Invoicing

Accountant access

Accountant access

Accountant access

Smart Invoicing

Smart Invoicing

Smart Invoicing

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

30+ accounting integrations

30+ accounting integrations

30+ accounting integrations

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)

Transfers between Finom users

0 €

Transfers between Finom users

0 €

Transfers between Finom users

0 €

SEPA transaction fee

2 €

SEPA transaction fee

0 €

SEPA transaction fee

0 €

VISA physical & virtual cards

VISA physical & virtual cards

VISA physical & virtual cards

Physical card monthly maintenance

3 €

Physical card monthly maintenance

0 €

Physical card monthly maintenance

0 €

International payments (in&out)

5 €

International payments (in&out)

5 €

International payments (in&out)

5 €

Outgoing international payments

2 %

Outgoing international payments

0,9 %

Outgoing international payments

0,8 %

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

Compare plans

Security is our top priority

Learn more

  • 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

  • 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

Customer support, providing real-time care

  • Help is just a click away

  • Fast response time

  • Interactive Help Center available 24 hours

    24/7

Contact us on e-mail: [email protected]