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Business account, minus German paperwork

Your German business account, ready in 24 hours

  • German IBAN, fast

  • DATEV and Lexware Office built in

  • XRechnung e-invoicing with no extra fees

Open a business account
Verified

Great experience with Finom

Great experience with Finom! The AI and live support work perfectly together, providing fast and efficient solutions for every issue.

Serkan Eris

06 October 2026

Verified

Great service and very helpful support

Great service and very helpful support. Endri was professional, friendly and sorted everything out quickly. Thank you for your help!

Tomasz Jan Kozub

03 October 2026

Verified

Perfect problem solving!

Perfect problem solving! Many Thanks to Support Team!!

GoPro's

07 October 2026

Verified

Fast and easy onboarding

Fast and easy onboarding, clear and intuitive app.

Joost roset

07 October 2026

Verified

So easy to use for me

So easy to use, super fast transfer, clean system

Ilia Melnikov

07 October 2026

Verified

For me it's the on line bank number…

For me it's the on line bank number one!!!!

marco piemonte

07 October 2026

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

16 July 2026

Verified

I’ve very positive experience - highly recommended had a very positive experience…

I've had a very positive experience with Finom so far. The interface is intuitive, the bookkeeping features save me a lot of time, and the overall platform makes managing my business finances much easier on a daily basis. One area that could be improved is the MCC fees, as they can add up over time. On the other hand, the cashback program is a nice benefit and helps offset some of those costs. I'd also love to see Finom offer a proper credit line or other financing options for small entrepreneurs, credit that makes positive impact. Access to flexible funding would make it easier for businesses in the early stages to grow. Overall, I'm very happy with the service and would recommend it to other small business owners looking for a modern and easy-to-use business banking solution. Thanks a lot for your services.

Luiz Andrade

01 July 2026

Verified

Super application

Super application

Adam

06 October 2026

Verified

i am very happy

i am very happy. the acount i really relable for me

summra rubab

02 October 2026

Rated 4.8 / 5 based on 15.743 reviews. Showing our latest reviews.

Built to keep your business moving

  • 5% p.a. interest

    A fixed rate for your first 5 months, no lock-ins

  • DATEV export, built in

    Sync transactions straight to DATEV – free on every plan

  • Low, fixed transaction fees

    Transparent pricing. No surprise charges

  • E-invoicing

    XRechnung and ZUGFeRD-compliant, ready in under a minute

Start saving on fees

Europe's best interest rate* for business accounts

Stop leaving money on the table. Earn high-yield interest on your idle EUR business funds – at Europe’s best interest rate* for business accounts. 5% p.a. fixed for the first 5 months

Open account

Send more, spend less

Save, exchange, spend, and receive money like a local – wherever you are
currencies exchanged at great rates

No restrictions, no fees

1 min 7s

median incoming SEPA processing
*median from Jan 2026 to July 2026

Fast and secure SEPA Direct Debits

No waiting around for your business

Your business banking should move as fast as you do

  • German IBAN ready in 24 hours

  • 75% of transfers arrive the same day

  • Instant reconciliation and transaction matching

Team spending, under control

Manage account access and expenses without switching tools

  • Issue, top up, or limit employee cards in a few clicks

  • Let your Steuerberater work from DATEV, ELSTER, and Finanzamt-ready exports

  • Export documents and transaction data in bulk, anytime

You're never on your own

Get to know your personal account manager

  • Work with a manager who understands German tax and reporting requirements

  • Reach us by phone, chat, or email, with response times under 1 minute

  • Trust every transfer to a careful, human-checked review – not just an algorithm

Join 200K+ businesses leaving paperwork behind

Run your business. We'll handle the paperwork

Everything you need for daily operations, plus accounting-ready exports

  • Track expenses and store your documents automatically

  • Customise reports and categorise transactions in seconds

  • XRechnung and ZUGFeRD e-invoicing, auto-synced with DATEV

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.
You save € 360

Pro

For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits

You save € 1.080

Grow

For small to medium-sized businesses scaling at speed. Our most comprehensive package with concierge-level support and full customization

excl. VAT

€ 149 / month€ 119 / monthApply now

excl. VAT

€ 339 / month€ 249 / monthApply now

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

NEW

Free outgoing SEPA transfers

Prime Card

NEW

1 included

Prime Card

NEW

1 included

Metal card

NEW

€29,99

Metal card

NEW

1 included

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

NEW

0%

Role and user management 

Role and user management 

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Business account

Provided by PNL Fintech B.V.

Business account

Provided by PNL Fintech B.V.

Users included

Users included

Cashback

unlimited cashback up to 0,5%

Cashback

unlimited cashback up to 1%

AI Assistant

AI Assistant

Human chat support

Up to 3 minutes

Human chat support

Up to 3 minutes

Dedicated Account Manager

Account Management Team

Dedicated Account Manager

Dedicated Account Manager

Recognition of invoices and receipts

Recognition of invoices and receipts

Custom

Customize your plan and unlock exclusive benefits with Finom:

  • Set personalized limits

  • Tailor your international payments

  • Enjoy the highest cashback rates

  • Handle unpredictable inquiries with ease

Apply now

Full plan details

All-in-one Business Platform

Plans

ProYou save € 360

excl. VAT€ 149 / month€ 119 / monthApply now

GrowYou save € 1.080

excl. VAT€ 339 / month€ 249 / monthApply now

Provided by PNL Fintech B.V.

Business Account

Personal IBAN (unique account number for global transfers)

Multiaccounts

Cashback

unlimited cashback up to 0,5%

unlimited cashback up to 1%

Users included

Expense management

Team cards personalization

AI Assistant

Human chat support

Up to 3 minutes

Up to 3 minutes

Email support

Up to 30 minutes

Up to 30 minutes

Weekend support

Account Manager

Account Management Team

Dedicated Account Manager

Multi-approvals

Provided by Finom Payments

SEPA payments

Transfers between Finom's users in a few seconds

Extra SEPA OUT & Direct Debit transfers (per month)

€0 - €2 500

0%

0%

€2 500  - €10 000

0%

0%

€10 000 - €25 000

0%

0 %

€25 000 - €50 000

0%

0 %

€50 000 - €100 000

0%

0 %

 €100 000 +

0%

0 %

SEPA Instant transfers

Decline of Direct Debit

5 €

5 €

Scheduled payments

Bulk payments

Card payments

Free physical card

3 per user

3 per user

Monthly card payment limit

€100 000

€200 000

Monthly ATM withdrawal limit

5.000 €

5.000 €

Card payments in foreign currency (non-EUR)

€0 - €500

0%

0%

€500 - €1 000

0%

0%

€1 000 +

1%

0%

ATM withdrawals in foreign currency (non-EUR)

1%

0%

Card payments for certain MCCs (%, minimum 1 €)

€ 0 - € 500

1 %

1 %

€500 - €2 500

1 %

1 %

€2 500 - €5 000

2 %

2 %

€ 5 000 +

3 %

3 %

ATM withdrawal amounts (applicable for all cards)

€0 - €500

0 %

0 %

€500 - €2 000

0 %

% 0

€2 000 - €5 000

3 %

3 %

€5 000 - €10 000

5 %

5 %

€10 000 +

8 %

8 %

Monthly fee for the inactive physical card

€0

€0

Virtual cards

Monthly fee for virtual VISA Card

€0

€0

Monthly fee for the inactive virtual card

€0

€0

Free Card Express delivery

Basic card limits management

Advanced card limits management

Special offers

Prime Card

NEW

1 included

1 included

Metal card

NEW

€29,99

1 included

International payments

Incoming international payments (fee per payment)

€5

€0

Outgoing international payments (fee per payment)

€5

€0

Fee for the outgoing volume of international payments

0.20%

0%

Fee for the outgoing volume of international payments (Local network transfer)

0%

0%

Intermediary bank fee protection for SWIFT payments, optional

35 €

35 €

Accounting & Invoicing

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Role and user management

Visual analytics of income and expenses

Customization of invoice templates

Additional fees for special services

Express delivery of Finom Card

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

€45

€45

Incoming payment investigation

€50

€50

Fee for providing MT103

€20

€20

Fee for MT199 request

€45

€45

Audit confirmation statement

€100

€100

Refusal to redeem an authorized direct debit due to insufficient account balance

€1

€1

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)

€15

€15

Administrating irregularities applied to the Finom Business Account

€25

€25

Personal account manager

Onboarding fee

Applied individually

Applied individually

Compliance fee

Applied individually

Applied individually

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

Security is our top priority

security-label

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

    gdpr

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

    banks

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

    dnb

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

    3d-secure

A business account that's on your side

Open a business account online in minutes, or have a chat with one of our experts first

Dedicated phone or video support

Interactive Help Center available 24 hours

Fast response time

Contact us on e-mail: