How can we help you?

Absolutely! With our referral program, you can invite other entrepreneurs to join Finom, and both of you will earn rewards once the required steps are completed. You’ll find your unique referral link and full terms in the “Invite friends” section of your Finom app (web and mobile).

Currently, we accept German companies with the following legal forms: 

Freiberufler
Nicht eingetragenes Einzelunternehmen
Selbständige
Gesamthandsgemeinschaft
LV (Landschaftsverband)
SoGem (Sonstige Gemeinschaft ohne eigene Rechtspersönlichkeit)
e.V. (eingetragener Verein)
V (Verein)
WEG (Wohnungseigentümergemeinschaft)
EWIV (Europäische Wirtschaftliche Interessenvereinigung)
SCE (Europäische Genossenschaft)
BRG (Bergrechtliche Gewerkschaft)
eG (eingetragene Genossenschaft)
Re (Reederei)
JPpR (Juristische Person des privaten Rechts)
NaV (Nachlassverwalter)
RAR (Rechtsform ausländischen Rechts)
KöR (Körperschaft des öffentlichen Rechts)
EGB (Eigenbetrieb)
St (Stiftung)
StbR (Stiftung des bürgerlichen Rechts)
St+Co OHG (Stiftung & Co. OHG)
oHG (offene Handelsgesellschaft)
GbR (Gesellschaft bürgerlichen Rechts)
GmbH+Co OHG (Gesellschaft mit beschränkter Haftung & Co.Offene Handelsgesellschaft)
AG+Co OHG (Aktiengesellschaft & Co. OHG)
eGbR (eingetragene Gesellschaft bürgerlichen Rechts) 
PartG (Partnerschaftsgesellschaft) 
gGmbH (Gemeinnützige GmbH) 
GmbH (Gesellschaft mit beschränkter Haftung) 
GmbH i.G. (GmbH in Gründung) 
KG (Kommanditgesellschaft) 
St+Co KG (Stiftung & Co. KG) 
GmbH & Co. KGaA (Kommanditgesellschaft auf Aktien)
AG+Co KG (Aktiengesellschaft & Co. KG) 
UG+Co KG (Unternehmergesellschaft & Co. KG) 
GmbH & Co KG (GmbH & Co. Kommanditgesellschaft) 
SRG (Seerechtliche Gesellschaft) 
UG (Unternehmergesellschaft)

Yes, US citizens are eligible to open a Finom business account for their enterprises established in the EU. Unlike traditional banks, Finom, as a licensed electronic money institution authorized to operate in the European Union (EU) and the European Economic Area (EEA), doesn’t require FATCA (Foreign Account Tax Compliance Act) compliance for opening accounts. We strive to provide financial services to all individuals legally running their businesses in the EU, ensuring compliance with relevant regulations governing our operations. Therefore, US citizens can confidently engage with our platform without needing FATCA documentation.

You can have unlimited virtual and up to 3 physical VISA cards per user. All these cards are free and score the exact % of cashback according to your chosen plan. Additional physical cards beyond this limit are available only in case of loss (physical), expiration, or blocking. In these situations, you can request replacements that will be totally free of charge.

No, the cashback amount (1-3%) depends on your chosen plan. Still, it spreads on all in-store or online business expenses made with physical and virtual Finom cards. The higher your plan, the more cashback you'll earn. Remember that there are a few rules, like a monthly maximum cashback limit based on your plan (from €15 to €30). Plus, as Finom VISA cards are eligible for inner VISA promotions and special offers, you’ll benefit from other exclusive deals.

Yes! You can do it all online in under 15 minutes. Sign up with your email, provide your company details, pass a quick verification, complete the application, and install our app. Once your account is verified (usually in 1-3 business days), you’ll have immediate access to a German IBAN, up to 3% cashback, and all other features.

Currently, we open business accounts for companies based in and operating from Germany, France, Italy, the Netherlands, Belgium, and Spain. Our invoicing plan is available in Poland, while freelancer and customized corporate tariffs can be picked by any of the EEA countries’ entrepreneurs.

The legal representative (the sole individual authorized to open a business account on behalf of a company) and the beneficial owners must possess a valid residence permit in one of the mentioned countries, irrespective of the country where their passport/ID card is issued. Additionally, we welcome applications from US residents and citizens establishing businesses in the EU.

A Finom Business Account has all the main services of a traditional bank, such as making withdrawals from the account and depositing funds into it. You can use a SEPA transfer from your other bank account to deposit into an account. To withdraw, you can use your physical Finom card at any European ATM, free amount to withdraw per month depends on your chosen plan.

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: 
- The email address and password you used for the pre-registration (if you forgot them, click 'forgot password');
- Your ID or passport ready to verify your identity;
- All the information about your business.

To open your Finom business account, you must be your company’s legal representative. A legal representative is 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 under the company's purpose, such as a CEO.

Yes, Finom allows you to send payments within the SEPA zone, as well as international payments worldwide if the account was opened under Finom’s own license. Accounts opened under a Solaris SE license do not currently support international transfers.