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Business account

As cool as Qonto but cheaper*

Business account for freelancers, startups, small businesses & companies under registration. IBAN, cards, invoicing for as much as €0! You're gonna love it.

Open free business account

1-month free trial available on any plan

* Based on a comparison of the Finom Solo and Qonto Basic tariff plans

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.

Over 50,000 entrepreneurs in Europe have already taken the plunge. What about you?

Finom vs. Qonto
We have it all

Finom
Qonto

Overall pricing

per month when paid annually

Solo € 0

for freelancers/self-employed
(invoicing & bookkeeping included)

  • Start - € 7
  • Premium - € 24
  • Corporate - € 90
  • Custom - € 99

Basic € 9

for all legal forms
(invoicing & bookkeeping NOT included)

  • Smart - € 19
  • Premium - € 39
  • Essential - € 29
  • Business - € 99
  • Enterprise - € 249

German IBAN

Cashback

Up to 3%

Free virtual cards

Up to 10 FREE cards per user for both companies and freelancers on any plan. No extra cards available.*

*Card replacement (e.g. in case of blocking) is free of charge, even in excess of the specified quantity.

Basic - 1

Smart, Premium, Essential, Business, Enterprise – unlimited

Free physical cards

  • Solo - 1
  • Start - up to 2
  • Premium - up to 5
  • Corporate - up to 10

Card replacement (e.g. in case of blocking) is free of charge, even in excess of the specified quantity.

  • Basic, Smart, Premium - 1
  • Essential - 2
  • Business - 10
  • Enterprise - 30

Cash withdrawal

FREE cash withdrawal of up to € 2 000 per month on ANY plan

€ 2 fee excl. tax per withdrawal, up to € 1 000 per month with a One card
(No free withdrawals available)

Card monthly fee

ONLY INACTIVE cards are subject
to this fee:

  • Solo - € 2
  • Start - € 1
  • Premium - Free
  • Corporate - Free

Both active and inactive cards are subject to this fee:

  • One - € 5 excl. tax for extra cards if not included in the plan
  • Plus - € 6 excl. tax
  • Metal X - € 20 excl. tax

Card type

VISA

Mastercard

Apple Pay / Google Pay

Transfers from overseas

Free (only in EUR)

€ 5 per transaction

Free SEPA & Direct Debit transfers (per month)

  • Solo - 50*
  • Start - 100*
  • Premium - 200*
  • Corporate - Unlimited

*a fee of € 0,2 applied to further transfers

  • Basic - 30*
  • Smart - 60*
  • Premium - 100*
  • Essential - 100*
  • Business - 500*
  • Enterprise - 1000*

*a fee of € 0,25 - € 0,4 applied to further transfers

Customer support

24/7, response time within one minute

7 days a week, reply within 15 minutes

German legal forms

Einzelunternehmer (Self-employed), Freiberufler (freelancers), GmbH, OHG, GbR, AG, KG, KGaA, PartG, UG, eK, eG, GmbH & Co. KG, Gmbh iG, UG iG

eK / e.Kfm / e.Kfr (Sole proprietorship), GmbH, GmbH iG, gGmbH, UG, UG iG, gUG, AG, AG & Co. KG, GmbH & Co. KG, AG & Co. oHG, UG & Co .KG, oHG, GmbH & Co. oHG, KG, KGaA, GbR

Please note that this November, 2023 comparison table doesn’t encompass the complete range of offerings from each platform. To explore and compare all the features and services, we recommend visiting the respective platform's website

Why choose Finom for business?

  • Icon of Person

    Free business account

    Open a fully functional business account with invoicing for as much as €0
  • Icon of 3 percent

    Up to 3% cashback

    Use your VISA cards and score cashback that pays the subscription off
  • Icon with document and signature

    Invoicing

    Create and send smart invoices in 60 seconds and get paid 20%+ faster
  • Icon with euro currency

    Expense management

    Add your teammates and customize their wallet access & spending limits
Open account1-month free trial available on any plan

Entrepreneurs love Finom

Check what our users are saying about us on Trustpilot

It was easy to set up a business account for a company in the founding process. And the support was excellent – they replied quickly when I asked where to claim my referral reward.

Hana C.

Finom has been an absolute game-changer for my startup journey. Their platform is incredibly user-friendly, and the customer support is top! It's honestly one of the best experiences I've had in the digital world. Banking is no longer a hustle for startup founders.

Fares H.

Fast and easy registration. The whole process from the start to the ready business account took less than an hour.

Sascha K.

Happily using Finom as a Business Account. The performance of the App is super fast. Everything works nicely!

Joschua G.

I worked with many digital financial platforms, and I must say Finom has the best business account, it’s my favorite! Integrated accounting helps you save costs with your tax consultants, too.

Michel X.

I am freelancing as a Web Designer and Finom has given me the opportunity to keep track of my finances in a highly efficient manner. Easy to use, nice user interface, and free of cost.

Vadim R.

Security First

  • Industry compliant

    Payment Card Industry Data Security Standards compliant

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • TLS protocol

    Data encryption prevents it from being stolen or intercepted

  • 3D Secure

    Confirm each online card transaction with a unique one-time password

Learn more

FAQ

  • Who is Finom?
    Finom is your go-to financial platform, born in 2019 in the Netherlands. It started as a smart e-invoicing solution but quickly evolved to become the trusted companion of tens of thousands of entrepreneurs across Europe. We process about €1 billion in monthly transactions, and our reach extends to France, Italy, Belgium, Spain, Poland, and of course, Germany. Such big names in the investment world as Target Global, General Catalyst, and FJ Labs trust us too. With Finom, you can open a business account in a few clicks, fully online. You can manage your finances from your phone or laptop with our mobile and web apps. We cover everything from payments and invoicing to bookkeeping and team access, all with transparent pricing and zero hidden fees. You'll get a local IBAN, free virtual and physical cards with cashback, SEPA & Direct Debit transfers, and much more. Plus, we've got your funds protected with €100,000 deposit insurance.
  • Who is Qonto?
    Qonto is another player in the European finance management field. They offer digital business accounts and IBANs to self-employed individuals and companies in Germany, France, Italy, and Spain. As well as us, they aim to simplify expense management and save customers' time with an intuitive online platform and transparent pricing, starting at €9 per month if paid annually.
  • What subscription plans does Finom offer?
    We've got five subscription plans to choose from: Solo Plan Perfect for freelancers, it's completely free and packed with features that simplify daily tasks: a German IBAN, free virtual & physical VISA debit cards, ApplePay & GooglePay, invoicing, a €500 monthly free ATM withdrawal limit, and up to 50 free SEPA & Direct Debit transfers, all within the intuitive app with no hidden fees. Plus, our support team is lightning-fast and ready to help. Start Plan Tailored for startups, it costs €7 per month (if paid annually). You can manage your business account with a partner, enjoy 2% cashback that offsets your monthly plan cost, pay on the go, and get quick in-app support when you need it. Premium Plan Ideal for SMEs, it's €24 per month (if paid annually) and lets you add up to 5 team members to your account for efficient delegation and expense tracking. You can customize wallet access and provide individual cards with 3% cashback for your team, allowing each of them to be responsible for their own area of payments. Corporate Plan Designed for growing businesses, it accommodates up to 10 team members and costs €90 per month (if paid annually). You'll get free business expense cards with 3% cashback, optional spending limits and no monthly SEPA transfer restrictions. Custom Plan This plan will be a discovery for those who deal with international payments in various currencies. For €99 per month, you can benefit from quick international transfers from/to 150+ countries in 20+ most popular currencies, great currency exchange rates (Interbank + 0,5%), and more. No forced conversion, free incoming transactions, no amount restrictions – this plan opens a range of possibilities and comfort for those who act and sell globally.
  • Are there free subscription plans at Qonto?
    Are there free subscription plans at Qonto?
  • I’m a freelance photographer, are free Solo plan features at Finom enough for me?
    Absolutely! Our free Solo plan is tailor-made for freelancers and solo entrepreneurs. It includes all the essentials for your business, like a German IBAN, free VISA debit cards, on-the-go payments, smart invoicing, a €500 monthly free ATM withdrawal limit, and up to 50 free SEPA & Direct Debit transfers. And if you decide to upgrade, the cashback might just cover your monthly plan cost.
  • I’m moving from Germany to the Netherlands, can I use one of these services there?
    Congratulations on the move! While Qonto isn't available in the Netherlands, Finom is deeply committed to the Dutch market. Our headquarters are there, and we're proud to serve Dutch entrepreneurs with our innovative digital products.
  • I plan to run my marketplace and sell beyond the EU, is it real to accept payments from the US and Canada with Finom?
    Sure! Check out our Custom plan, designed for international payments in various currencies. It offers quick transfers from/to 150+ countries (75% of transfers come within the same business day!), competitive currency exchange rates (20+ most popular currencies & no forced conversion), and more. You'll be able to receive and send payments of any amount from around the globe with ease and no hidden fees.
  • That’s cool that Finom has cashback, is it fixed?
    No, the amount of cashback depends on your chosen plan, still, it spreads on all transactions made in-store or online with both physical and virtual Finom cards. The higher your plan, the more cashback you'll earn: Start Plan: 2% cashback Premium Plan: 3% cashback Corporate Plan: 3% cashback Just remember that there are a few rules, like a maximum cashback limit per month based on your plan (from €10 to €90). Plus, as Finom VISA cards are eligible for inner VISA promotions and special offers, you’ll benefit from exclusive deals. For instance, until the end of the year 2023, Finom users can get up to 6% cashback from their accommodation purchases at Booking.com thanks to its joint promo with VISA – read here.
  • Does your support staff speak German?
    Of course! Our support team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won't be a barrier when you need assistance.
  • You write about payments coming faster with Finom’s invoicing. What does it mean?
    It literally means you can get paid quicker! We've made it super easy for your customers to pay directly from the invoice page. You spend less than a minute creating an invoice, and then you can send it via email, Facebook, messengers, or by simply copying the direct link. Your customers can securely pay the invoice right from that page with a simple click. It's fast and, best of all, free! You can read a guide where we explain how to enable this option, and why it's easy and convenient for your customers.
  • Is Finom secure?
    Absolutely! We use advanced anti-fraud techniques, double encryption, and the TLS protocol to protect your personal and transfer data. Plus, all accounts are covered by €100,000 deposit guarantee scheme via Solaris SE. Your finances are in safe hands with Finom – here, you can read more about our security policy.
  • Is it easy to open a business account with Finom?
    Super easy! You can do it all online in under 15 minutes. Just 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 1-2 business days), you'll have immediate access to a German IBAN, up to 3% cashback, and a bunch of other features.
  • I know my friend uses your service, do you have a referral program?
    Yes, indeed! If your friend shares their unique referral link with you, you both get rewarded. You'll enjoy 3 free months on any subscription plan of your choice, and your friend will get a little something from us too. So don't miss out on this win-win opportunity! Check out the full Terms & Conditions and Reward Rules for all the details.