Finom vs VIVID: a side-by-side comparison

Choosing the right provider for your business isn't easy. Let's take a look at why Finom might be a better choice in terms of cashback, card options, and pricing.

Finom: we have it all and more

Finom
Vivid
Finom
Vivid

Overall pricing  
per month when paid annually

Solo € 0 


Basic - € 8,99
Smart - € 23,99
Pro - € 119
Grow - € 249

Standard, Free Start  € 0


Prime, Basic- € 6,9
Pro - € 18,9
Pro+ - € 41
Enterprise - € 79
Enterprise+ - € 249

German IBAN

Cashback

Up to 3%

N/A

Free virtual cards

Solo - 1
Basic - 3
Smart - 10
Pro - Unlimited
Grow - Unlimited

Up to 25

Free physical cards

Solo - 0

Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited

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

Free

Cash withdrawal

Up to € 2 500 per day, depending on the plan
Up to € 500 per month, depending on the plan

Cards

3 free physical cards per user 
Unlimited number of free virtual cards
Free re-issuance of additional cards

Up to 25 cards included

Card type

VISA
VISA

Apple Pay / Google Pay

International payments

Fixed € 5 fee
€5 per transfer after free allowance

Free SEPA & Direct Debit transfers (per month)

Solo - € 2 per transaction
Start - Unlimited
Premium - Unlimited
Corporate - Unlimited
Enterprise - Unlimited

Free

Customer support

24/7, response time within minutes
7 days a week, reply within 1 hour

Sign up now and have it all set within 24 hours!

Open free business account

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

Open account

1-month free trial available

Customers love Finom

Meet our 200,000+ customers

Read real, authentic reviews

Five stars for Isaac's exceptional support and incredible reactiveness.

Five stars for Isaac's exceptional support and incredible reactiveness. In a highly stressful and complicated situation, his immediate action and professionalism made all the difference. Excellent and rapid assistance; his professional and immediate response in a difficult situation was truly impressive. Thank you to Isaac and the Finom team for protecting your users so efficiently and providing such a fast resolution!

ΑΠΟΣΤΟΛΟΣ ΧΡΙΣΤΟΔΟΥΛΑΚΗΣ

30 September 2026

Marina took real ownership of a case…

Marina took real ownership of a case that had been going back and forth for two weeks with several colleagues. She reviewed it properly, found the root cause rather than just processing the refund, and had it resolved within the hour. She also corrected her own earlier instructions without fuss when I pointed out they addressed a different section of the app. Clear, fast and genuinely helpful — exactly what you want from support.

Arnaud Lebrun

30 September 2026

Helpfulness, clarity, and kindness.

Helpfulness, clarity, and kindness. Even though my requests were not successful, the team was always professional.

Raffaele

29 September 2026

Finom

Finom, especially Lori, helped me solve a sensitive problem created by a big corporation. They were excellent in their communication and problem solving.

Catarina

28 September 2026

Excellent customer service and very…

Excellent customer service and very helpful support. Kuba was friendly, patient and professional throughout the whole conversation. He answered all my questions clearly and tried his best to help me find a solution to my issue. I really appreciate the quick response and the excellent support. Thank you, Kuba and Finom! ⭐️⭐️⭐️⭐️⭐️

Ali

27 September 2026

User Experience

User Experience

Deepak

30 September 2026

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

16 July 2026

I’ve very positive experience - highly recommended had a very positive experience…

I've had a very positive experience with Finom so far. The interface is intuitive, the bookkeeping features save me a lot of time, and the overall platform makes managing my business finances much easier on a daily basis. One area that could be improved is the MCC fees, as they can add up over time. On the other hand, the cashback program is a nice benefit and helps offset some of those costs. I'd also love to see Finom offer a proper credit line or other financing options for small entrepreneurs, credit that makes positive impact. Access to flexible funding would make it easier for businesses in the early stages to grow. Overall, I'm very happy with the service and would recommend it to other small business owners looking for a modern and easy-to-use business banking solution. Thanks a lot for your services.

Luiz Andrade

01 July 2026

Quick response

Quick response, valuable skills.

Olaf Sprick

28 September 2026

good helping only i dont have a phone…

good helping only i dont have a phone and cant registrerd.

God

13 September 2026

Rated 4.8 / 5 based on 15.555 reviews. Showing our latest reviews.

Security is our top priority

security-label
  • GDPR Compliance

    Our servers are protected and hosted in the European Union

    gdpr
  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

    banks
  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

    dnb
  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

    3d-secure