How can we help you?

  • As a US citizen, can I open an account for my business operating in the EU, and is FATCA compliance required?

    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.

  • Is there a limit on free cards I can issue?

    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.

  • Is Finom’s cashback fixed?

    No, the cashback amount (2-3%) 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 €10 to €20). Plus, as Finom VISA cards are eligible for inner VISA promotions and special offers, you’ll benefit from other exclusive deals.

  • Is it easy to open a business account with Finom?

    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.

  • Can entrepreneurs from any country open an account?

    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.

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

    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.

  • Referral rewards program

    Finom rewards you and your friends for staying with us!

    This page stipulates the 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 with Finom as a company (“Firma”), or

    - €5 for each freelancer (“Einzelunternehmen”) friend who joins Finom via your invitation link, opens a Business Account, and subscribes to any payment services plan, or opens an Invoicing Account, and subscribes to the Invoicing Start plan.


    YOUR FRIEND gets:

    - 3 months free on any Finom subscription plan

    Finom Terms & Conditions and Reward Rules apply.


    This is how it works:

    - Your friends, who operate as a business, 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: Your friends must meet the eligibility requirements of Finom.


    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 the 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!


    If you're on an Invoicing Start plan (so you do have a Finom Business Account) we'll apply the credit of reward towards your subscription fee.


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

  • What documents do I need to open an account?

    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.

  • Who is the legal representative?

    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.

  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?

    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.

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