Finom vs N26: a side-by-side comparison
Finom: we have it all and more
Prices
from € 0
for solo proprietors, freelancers, and self-employed
from € 9
with an annual payment for companies
Standard - € 0
Smart - € 4,90
Go - € 9,90
Metal - € 16,90
German IBAN
Cashback
Up to 3%
Up to 0.5%
Free physical cards
Solo - 0
Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited
Up to 3 free cards can be issued per user
Standard - 0
Smart - 1
Go - 1
Metal - 1
Free virtual cards
Unlimited number of FREE cards can be issued per user on any plan
Standard - 1
Smart - 1
You - 1
Metal - 1
Monthly card payment limit
Cash withdrawal
€ 1,000 per day per card
€ 2,500 per week per card
Apple Pay / Google Pay
Cards for team members
Free SEPA & Direct Debit transfers (per month)
Free transfers between Finom users;
SEPA transfers*;
Direct Debit transfers*;
SEPA Instant transfers;
Payments to 150 countries in 17 currencies.
*Free monthly volume depends on the chosen plan.
Free transfers between N26 users;
SEPA Instant transfers.
Smart built-in invoicing
Supported legal forms
Here’s why
Top-notch solution Business account opened from the comfort of your couch in 2 days. Free cards, state-of-the-art invoicing, payments all around the globe, and more;
Never overpay We’re fully digital – no costs on branches. Ever seen our billboards and TV ads? No, we don’t spend on it;
Never walk alone Our lightning-fast phone, video or chat customer support assists you at every step of the way.
Why choose Finom for business?
Free business account
Open a fully functional business account with invoicing for as much as €0
Up to 3% cashback
Use your VISA cards and score cashback that pays the subscription off
Invoicing
Create and send smart invoices in 60 seconds and get paid 20%+ faster
5% p.a. Interest Account
Get a fixed rate for your first 5 months with no lock-ins
1-month free trial available
Customers love Finom
Meet our 200,000+ customers
The app is intuitive and easy to use
The app is intuitive and easy to use. It really takes little time to start using. Maybe some more hits could be useful regarding different tax regimes and difference of the documents in them. But overall I am very happy that I am using this app. I saw a competitive app that my friend uses and Finom is definitely simplier and easier to use
Kirill B
11 June 2026
They are always helpful and transparent
They are always helpful and transparent Very cozy UI and great support. AI support is cool, by the way - not like in others companies
Philipp Dzyadko
08 June 2026
Usability & Fast Customer Service
I highly appreciate the great usability of the app (simple, clean, efficient) and the fast replies from the customer service. Good job!
Nicolas Limmroth
07 June 2026
Viktor Kaminskyi
12 June 2026
DBA
12 June 2026
Bulbas Cristin
12 June 2026
Advertised 5% – got 0.75% instead
I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.
Daniel Tridico
17 April 2026
It's easy open the account end register…
It's easy open the account end register all the documents. It need time for all the notar document. Good
Paolo
13 April 2026
I am new customer
I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .
Uday Kant
30 March 2026
Ori Stern - Cross-border Plann
29 May 2026
Rated 4.7 / 5 based on 13.555 reviews. Showing our latest reviews.
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
