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

Exceptional and hassle-free support – Thank you Lori!

I recently faced an extremely time-critical administrative hurdle regarding my business account. While other banks often leave you on hold with standard automated responses in situations like this, Finom proved how modern customer service should work. A massive thank you to Lori from the Customer Success Team! She understood my issue immediately and resolved it incredibly fast, pragmatically, and with a refreshingly human touch. As an entrepreneur, this is exactly the kind of reliable, unbureaucratic support you need backing you up. Highly recommended!

Jürgen Reinold

29 October 2026

Verified

With Jose`s answer it felt like in the…

With Jose`s answer it felt like in the good old days! Personal, honest and thoughtful. You feel like someone cares!!

hollenbachhanf

29 October 2026

Verified

Great and fast human customer service…

Great and fast human customer service if AI is not working not there yet. Flexible and accommodating with a clear customer satisfaction focus. AI accounting is not an alternative to a real accountant if it comes to a GmbH in Germany, but the banking experience is very good.

Sebastian Till Alexander Schäf

28 October 2026

Verified

I really like that you have a live account manager.25

I really liked how the bank prompts me with the required documents when filling out forms. It also responds quickly to any errors in the documents we provide. I like how easy it is to fill out and design forms. I really like that you have a live account manager. I enjoyed working with Luka Jaksic.

Anatolij

28 October 2026

Verified

I am very satisfied with Finom’s…

I am very satisfied with Finom’s service. The support team is friendly, professional, and helpful. Communication is clear, and my questions are handled efficiently. Thank you for your excellent support. I highly recommend Finom!

Kunde

27 October 2026

Verified

very good and simple onboarding

Jamal Pfeiffer

28 October 2026

Verified

Nothing is free, but its ok

Nothing is free. But if the value for money is right, then that's fine. I believe everything is just right here.

Levente Szücs

15 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

You helped me with one problem.

Margit Kühnel

22 October 2026

Verified

Cyclum Fin

We re waiting for accept of transfer but the contact with Finom is good

Andrey

08 October 2026

Rated 4.8 / 5 based on 16.207 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.

Paid Yearly-20%Paid monthly

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)

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

Outgoing international payments

0.20%

Outgoing international payments

NEW

0%

Role and user management

Scheduled payments

Bulk payments

Business account

Provided by PNL Fintech B.V.

Business account

Provided by PNL Fintech B.V.

Users included

Cashback

unlimited cashback up to 0,5%

Cashback

unlimited cashback up to 1%

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

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

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

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:

Business account, minus German paperwork

Built to keep your business moving

5% p.a. interest

DATEV export, built in

Low, fixed transaction fees

E-invoicing

Europe's best interest rate* for business accounts

Send more, spend less

No waiting around for your business

Team spending, under control

You're never on your own

Join 200K+ businesses leaving paperwork behind

Run your business. We'll handle the paperwork

Finom pricing and plans

All-in-one Business Platform

Security is our top priority

GDPR Compliance

Reliable partners

Safeguarded funds: unlimited

Passkeys and 3D Secure

A business account that's on your side