Business account
A €0 Solo plan for freelancers with a local IBAN

Simplify your freelancing with a local IBAN, convenient invoicing, and accounting tools – all completely free
No hidden cost
Use our Solo plan for free – it’s €0 per month
Easy Invoicing
Create and send professional invoices in seconds
Expense tracking
Categorize and track your expenses automatically
Customer support
Chat with our team in your language, 7 days a week
Top-notch features to help you compete with big players
A €0 Solo plan for freelancers with a local IBAN
Clear, convenient, professional invoices ready in seconds
Managing your taxes can be easy. Let us show you how
Optimize finances – transactions being automapped with invoices and receipts in accounting ready data
Store and export your e-invoices as XRechnung or ZUGFeRD. Collect receipts and other important documents in Finom’s secure storage
Extract data from receipt or any other document with auto-recognition feature
Track and categorize expenses online. Control where you spend more and reduce costs month-by-month
via smartphone or desktop
Subscription plans at a fair cost tailored to fit your business.
Solo
For freelancers and new entrepreneurs who need simple, essential features
/ month
/ month
Start
For growing businesses that need advanced features to manage their increasing operations.
/ month
excl. VAT
/ month
excl. VAT
You save € 24
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Business account
Business account
Business account
Users included
1
Users included
2
Users included
5
Multiaccounts
Multiaccounts
Multiaccounts
Cashback
0 %
Cashback
2 %
Cashback
3 %
Dedicated Account Manager
Dedicated Account Manager
Dedicated Account Manager
Accounting & Invoicing
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
30+ accounting integrations
Payment Solutions
Provided by Finom Payments/Solaris SE
Payment Solutions
Provided by Finom Payments/Solaris SE
Payment Solutions
Provided by Finom Payments/Solaris SE
Personal IBAN (unique account number for global transfers)
Personal IBAN (unique account number for global transfers)
Personal IBAN (unique account number for global transfers)
Transfers between Finom users
0 €
Transfers between Finom users
0 €
Transfers between Finom users
0 €
SEPA transaction fee
2 €
SEPA transaction fee
0 €
SEPA transaction fee
0 €
VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
3 €
Physical card monthly maintenance
0 €
Physical card monthly maintenance
0 €
International payments (in&out)
5 €
International payments (in&out)
5 €
International payments (in&out)
5 €
Outgoing international payments
2 %
Outgoing international payments
0,9 %
Outgoing international payments
0,8 %
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Compare plans
You save € 24
You save € 48
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
0 %
2 %
3 %
Users included
1
2
5
Monthly fee for extra team member
4 €
2 €
1 €
Dedicated Account Manager
Accounting & Invoicing
Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)
DATEV Belegbilderservice
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
0 €
0 €
0 €
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments/Solaris SE
SEPA payments
Transfers between Finom's users in a few seconds
Outgoing SEPA transfers
2 €
0 €
0 €
Extra SEPA OUT & Direct Debit transfers (per month)
0,1 % after € 25.000
0,1 % after 50.000 €
0,1 % after € 100.000
SEPA Instant transfers
€ 0 - € 500
1 €
0 €
0 €
€ 500+
2 €
0 €
0 €
Decline of Direct Debit
5 €
5 €
5 €
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
3
Monthly card payment limit
100.000 €
100.000 €
100.000 €
Monthly ATM withdrawal limit
500 €
2.000 €
5.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
3 %
0 %
0 %
500 € - 1.000 €
3 %
2 %
1 %
1.000 €+
3 %
2 %
1 %
ATM withdrawals in foreign currency (non-EUR)
3 %
2 %
1 %
Card payments for certain MCCs (%, minimum 1 €)
0 € - 500 €
3 %
2 %
1 %
500 € - 2.500 €
4 %
3 %
2 %
2.500 € - 5.000 €
5 %
4 %
3 %
5.000 €+
6 %
5 %
4 %
ATM withdrawal amounts (applicable for all cards)
0 € - 500 €
1 %
0 %
0 %
500 € - 2.000 €
3 %
1 %
0 %
2.000 € - 5.000 €
5 %
5 %
3 %
5.000 € - 10.000 €
8 %
8 %
5 %
10.000 €+
8 %
8 %
8 %
Monthly fee for physical VISA card
3 €
0 €
0 €
Monthly fee for the inactive physical card
0 €
1 €
1 €
Virtual VISA card issuance
Monthly fee for virtual VISA Card
0 €
0 €
0 €
Monthly fee for the inactive virtual card
1 €
0,5 €
0 €
International payments
Outgoing international payments (fee per payment)
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
Fee for the volume of international payments
2 %
0,9 %
0,8 %
Coverage of the International transfer cost, optional
35 €
35 €
35 €
Incoming international payments – provided specifically for Solaris users
0,5 %
0,4 %
0,3 %
Additional fees for special services
Monthly fee for extra wallet
€ 4 after 1
€ 2 after 2
€ 1 after 3
Express delivery of Finom Card
15 €
15 €
15 €
Reference letter fee for business
80 €
80 €
80 €
Business Account Closure Refund Processing Fee
5 €
5 €
5 €
Recall of outgoing SEPA SCT
15 €
15 €
15 €
Inquiry on SEPA SCT (Payment Investigation)
15 €
15 €
15 €
Recall of international payments
60 €
60 €
60 €
Outgoing payment investigation
Incoming payment investigation
Fee for providing MT103
20 €
20 €
20 €
Fee for MT199 request
45 €
45 €
45 €
Audit confirmation statement
100 €
100 €
100 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
5 €
Card dispute for an authorised transaction (per transaction)
30 €
30 €
30 €
Administrating irregularities applied to the Finom Business Account
25 €
25 €
25 €
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Compliance fee
Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.
For our detailed price list, download PDF here
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Contact us on e-mail: [email protected]
Your money is in safe hands because we strive to provide a high level of security to protect it:
For accounts operating under Finom’s own licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., i.e. Safeguarding your account via Finom Payments B.V.:
For accounts operating under Solaris licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE and not PNL Fintech B.V. For more information, please refer to the Terms of Solaris SE.
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:
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Plan configurator
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