Business account
Enjoy a local IBAN, instant SEPA payments, and international transfers in 150+ countries

Get a local IBAN, convenient invoicing tools, team expense controls, and international transfers in 150+ countries
Advanced invoicing
Create personalized invoices with a built-in payment link and get paid faster
Expense management
Set and edit expense limits for the whole company and for each teammate
Accounting integration
Connect your favorite accounting tools and synch the documents automatically
Support
Write us 7 days a week in dozens of languages
Boost your business with features that promote growth
Enjoy a local IBAN, instant SEPA payments, and international transfers in 150+ countries
Connect all your bank accounts and never lose track of your budgets
Keep your bank accounts in one place
See all your funds across several banks
Save time on logging in and switching between apps
Optimize finances – transactions being automapped with invoices and receipts in accounting ready data
Store and export your e-invoices as XRechnung or ZUGFeRD. Collect receipts and other important documents in Finom’s secure storage
Extract data from receipt or any other document with auto-recognition feature
Track and categorize expenses online. Control where you spend more and reduce costs month-by-month
Use the DATEV integration for exporting receipts and invoices
Read real, authentic reviews
via smartphone or desktop
Subscription plans at a fair cost tailored to fit your business.
Start
For growing businesses that need advanced features to manage their increasing operations.
/ month
excl. VAT
/ month
excl. VAT
You save € 24
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Business account
Business account
Users included
2
Users included
5
Multiaccounts
Multiaccounts
Cashback
2 %
Cashback
3 %
Dedicated Account Manager
Dedicated Account Manager
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
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)
Transfers between Finom users
0 €
Transfers between Finom users
0 €
SEPA transaction fee
0 €
SEPA transaction fee
0 €
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
0 €
Physical card monthly maintenance
0 €
International payments (in&out)
5 €
International payments (in&out)
5 €
Outgoing international payments
0,9 %
Outgoing international payments
0,8 %
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Compare plans
You save € 24
You save € 48
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
2 %
3 %
Users included
2
5
Monthly fee for extra team member
2 €
1 €
Dedicated Account Manager
Accounting & Invoicing
Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)
DATEV Belegbilderservice
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
0 €
0 €
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments/Solaris SE
SEPA payments
Transfers between Finom's users in a few seconds
Outgoing SEPA transfers
0 €
0 €
Extra SEPA OUT & Direct Debit transfers (per month)
0,1 % after 50.000 €
0,1 % after € 100.000
SEPA Instant transfers
€ 0 - € 500
0 €
0 €
€ 500+
0 €
0 €
Decline of Direct Debit
5 €
5 €
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
Monthly card payment limit
100.000 €
100.000 €
Monthly ATM withdrawal limit
2.000 €
5.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
0 %
0 %
500 € - 1.000 €
2 %
1 %
1.000 €+
2 %
1 %
ATM withdrawals in foreign currency (non-EUR)
2 %
1 %
Card payments for certain MCCs (%, minimum 1 €)
0 € - 500 €
2 %
1 %
500 € - 2.500 €
3 %
2 %
2.500 € - 5.000 €
4 %
3 %
5.000 €+
5 %
4 %
ATM withdrawal amounts (applicable for all cards)
0 € - 500 €
0 %
0 %
500 € - 2.000 €
1 %
0 %
2.000 € - 5.000 €
5 %
3 %
5.000 € - 10.000 €
8 %
5 %
10.000 €+
8 %
8 %
Monthly fee for physical VISA card
0 €
0 €
Monthly fee for the inactive physical card
1 €
1 €
Virtual VISA card issuance
Monthly fee for virtual VISA Card
0 €
0 €
Monthly fee for the inactive virtual card
0,5 €
0 €
International payments
Outgoing international payments (fee per payment)
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
Fee for the volume of international payments
0,9 %
0,8 %
Coverage of the International transfer cost, optional
35 €
35 €
Incoming international payments – provided specifically for Solaris users
0,4 %
0,3 %
Additional fees for special services
Monthly fee for extra wallet
€ 2 after 2
€ 1 after 3
Express delivery of Finom Card
15 €
15 €
Reference letter fee for business
80 €
80 €
Business Account Closure Refund Processing Fee
5 €
5 €
Recall of outgoing SEPA SCT
15 €
15 €
Inquiry on SEPA SCT (Payment Investigation)
15 €
15 €
Recall of international payments
60 €
60 €
Outgoing payment investigation
Incoming payment investigation
Fee for providing MT103
20 €
20 €
Fee for MT199 request
45 €
45 €
Audit confirmation statement
100 €
100 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
Card dispute for an authorised transaction (per transaction)
30 €
30 €
Administrating irregularities applied to the Finom Business Account
25 €
25 €
Personal account manager
Onboarding fee
Applied individually
Applied individually
Compliance fee
Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.
For our detailed price list, download PDF here
24/7
Contact us on e-mail: [email protected]
Your money is in safe hands because we strive to provide a high level of security to protect it:
For accounts operating under Finom’s own licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., i.e. Safeguarding your account via Finom Payments B.V.:
For accounts operating under Solaris licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE and not PNL Fintech B.V. For more information, please refer to the Terms of Solaris SE.
Whether you are a freelancer or own a company, opening your Finom business account only takes a few minutes.
You will only need three things for it:
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