How can we help you?

  • Who is the legal representative?

    To open your Finom business account, you must be the legal representative of your company. Legal representative means a natural person who is authorized to act on behalf of the company and is empowered to perform all actions related to the general administration of the company in accordance with the company's purpose, such as a CEO.

  • What documents do I need to open an account?

    Whether you are a freelancer or represent a company, opening your Finom business account only takes a few minutes.

    Don't forget that you will need: 

    • Email address and password that you used for the pre-registration (if you forgot them, click 'forgot password')
    • Have your ID or passport ready to verify your identity
    • Don't forget to keep all the information about your business next to you.
  • Can I make only SEPA transfers, or are SWIFT payments also possible?

    A Finom business account allows you to make SEPA transactions. Currently we cannot offer SWIFT transactions, but they will be supported in the future.

  • How can I withdraw funds from my account or make deposits into it?

    With a Finom business account, you have access to the same important services that a traditional bank account provides, such as the ability to withdraw and deposit your money from the account.

    To make a deposit to your account, you can make a SEPA transfer from your current bank account. To make a withdrawal, you can use your physical Finom card at all European ATMs. This allows you to withdraw up to €10,000 per month free of charge.

  • Can entrepreneurs from any country open an account?

    Currently, you can easily open a business account with Finom for companies that are based and do business in France or Germany. The legal representative (the only person who can open a business account on behalf of a company), as well as the beneficial owners, must have a valid residence permit in one of these two countries, regardless of the country of issue of his or her passport/ID card.

    We plan to add more European countries in the future. However, if you are the owner of a company based in the US or if US taxpayers have an interest in your company, we are currently unable to open a business account for you (due to the FATCA agreement).

  • Referral rewards program

    FINOM rewards you and your friends for staying with us!

    This page stipulates current Referral Rewards Program and prevails over Reward Rules to the extent as stated on this page. In non-conflicting provisions Reward Rules apply. 

    YOU get:

    - 50 € for each friend who joins FINOM via your invitation link and opens a payment business account as a company

    - 5€ for every friend who joins FINOM using your invite link, opens an Invoicing Account and subscribes to the “Invoicing only” Start Plan or

    - 5 € for each freelancer friend who joins FINOM via your invitation link and opens a business account


    -3 months free on any FINOM business account plan or on the Invoicing Start plan

    FINOM Terms & Conditions and Reward Rules apply.

    This is how it works:

    Your friends can use the personal link you shared to open their Business or Invoicing Account right now!

    • Copy the link from your referral page
    • Share it with all your friends, family and partners (there's no limit)

    Remember: You will receive your reward only if your referral successfully opens either a FINOM Business Account or Invoicing Account and subscribes to an eligible “all-in-one” or “invoicing” plan.

    The more friends you invite, the more money you could possibly earn!

    Monitor your referral activity by clicking on the 'Invite friends' button at the top of the dashboard. There is a detailed chart at the bottom of the page to provide visibility on a total number of referrals invited and rewards earned.

    You can redeem your reward by transferring it to your FINOM Business Account once it has been opened. Just click on the 'Get my reward' button, and spend it however you want!

    By sharing the referral link, you accept FINOM Terms & Conditions and Reward Rules.

  • I subscribed to pre-order a Finom Business Account. What happens next?

    If you subscribed to pre-order a Finom Business Account – congratulations! You now have the chance to become one of the first 1,000 clients who can open permanently free accounts in autumn!

    This article explains everything you need to know while waiting.

    Your Finom Business Account will be ready to use in autumn 2020. As an early bird, you will be notified of our launch date and must act and actually open your Finom Business Account to get your permanently free Finom Business Account.

    Remember: this offer involves significantly more than 1,000 subscribers – so check your email and telephone regularly. We will advise you on our launch date and you need to know when and how to open your Finom Business Account to ensure the advantages of our permanently free offer.

    Choose from two plans for your permanently free account:

    • Solo plan for freelancers and the self-employed – you will never be charged the monthly rate of €8.99!
    • Start plan for companies – you will never be charged the monthly rate of €20.99!

    Both plans are our starter plans for each category and include all options for SMEs, the self-employed, and freelancers. With this offer, get all the basics needed to handle your business in the smartest and wisest way.

    After opening your Finom Business Account and enjoying all the features of the plan selected for free, take the opportunity to customize your account and add additional services and features at a very affordable rate. The best thing is that you will only pay for the services you truly need!

    If you haven't yet subscribed to pre-order our Finom Business Account, now is your chance to be one of 1,000 clients who will open a permanently free account in autumn!

    Become a Finom user by opening a free user's account. Subscribe to several services (your choice) and under the terms defined in the TERMS & CONDITIONS.

  • What will the first customers get?

    The first 1000 customers who apply for our business account will get a Finom business account on a Start plan for forever free. What does this mean? You will not be charged any monthly fee, saving you 240€ per year. Also - if you share your personal invite link with friends and partners, you will get 50€ cashback for every friend or partner who opens a Finom business account through your link.

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