
Maximize your start-up’s profits with Finom

Alleviating start-up struggles – discover how
Starting a business is tough. We are here to help you escape the burden of high fees and complexity:

Get your IBAN ready in 24 hours
Forget about lengthy account setup
Act global
securely store and manage investor funds

Never feel stranded
with our prompt and responsive customer support
24/7

Track cash flow
and reinforce teamwork with our user-friendly app

Receive and send money everywhere
150 countries, lowest FX rates

Cut through paperwork and challenges typical for traditional banks
Finom’s suite of benefits designed for your start-up
Up to 3% cashback


Up to € 5 000

International payments to 150+ countries

Meet our 200,000+ customers
Rated 4.7 / 5 based on 13.712 reviews. Showing our latest reviews.
Enjoy full visibility in customizable dashboard

Transactions tracking
Issue, top-up or limit cards for employees in clicks

Automated VAT extraction

Take a picture and attach bills with a tap

Customers love Finom

Finom pricing and plans
For freelancers who need simple, essential features
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
Business account
Business account
Business account
Chat support
Up to 1 business day
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Account Manager
Account Manager
Account Manager
Interest Account
Provided by Aksys Global Markets Europe Ltd
Interest Account
Provided by Aksys Global Markets Europe Ltd
Interest Account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
0
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA virtual cards per user
1
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
For small to medium-sized businesses outgrowing the essentials. More capacity to handle complex, day-to-day operations with ease.
Business account
Business account
Business account
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Manager
Account Manager
Interest Account
Provided by Aksys Global Markets Europe Ltd
Interest Account
Provided by Aksys Global Markets Europe Ltd
Interest Account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Free VISA virtual cards per user
20
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
For small to medium-sized businesses scaling at speed. Our most comprehensive package with concierge-level support and full customization
Business account
Business account
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Management team
Account Manager
Dedicated Account Manager
Interest Account
Provided by Aksys Global Markets Europe Ltd
Interest Account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
Free VISA virtual cards per user
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Compare plans
All-in-one Business Platform
Solo
Basic
Smart
Business Account
Multiaccounts
Users included
1
2
Chat support
Up to 1 business day
Up to 3 hours
Up to 3 minutes
Email support
Up to 1 business day
Up to 3 hours
Up to 30 minutes
Weekend support
Account Manager
Provided by Aksys Global Markets Europe Ltd
Interest account
Free account setup
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€0 - €2 500
0%
0%
0%
€2 500 - €10 000
0.30%
0%
0%
€10 000 - €25 000
0.30%
0%
0%
€25 000 - €50 000
0.30%
0.03%
0%
€50 000 - €100 000
0.30%
0.03%
0.025%
Above €100 000
0.30%
0.03%
0.025%
SEPA Instant transfers
Decline of Direct Debit
€5
€5
€5
Scheduled payments
Bulk payments
Card payments
Free Physical VISA
0
1 per user
3 per user
Physical card monthly maintenance
€3
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%
Virtual card
1 per user
3 per user
10 per user
Monthly fee for virtual VISA Card
€0
€0
€0
Free card express delivery
Special offers
International payments
Incoming international payments (fee per payment)
€5
€5
€5
Intermediary bank fee protection for SWIFT payments, optional
€35
€35
€35
Accounting & Invoicing
Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)
DATEV Belegbilderservice
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Role and user management
Customization of invoice templates
Visual analytics of income and expenses
Additional fees for special services
Express delivery of Finom Card
€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
Refusal to redeem an authorized direct debit due to insufficient account balance
€1
€1
€1
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)
€15
€15
€15
Administrating irregularities applied to the Finom Business Account
€25
€25
€25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
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
Basic
Smart
CoreYou save € 48
Business Account
Multiaccounts
Users included
2
Chat support
Up to 3 hours
Up to 3 minutes
Up to 3 minutes
Email support
Up to 3 hours
Up to 30 minutes
Up to 30 minutes
Weekend support
Account Manager
Provided by Aksys Global Markets Europe Ltd
Interest account
Free account setup
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€0 - €2 500
0%
0%
0%
€2 500 - €10 000
0%
0%
0%
€10 000 - €25 000
0%
0%
0%
€25 000 - €50 000
0.03%
0%
0%
€50 000 - €100 000
0.03%
0.025%
0%
Above €100 000
0.03%
0.025%
0.025%
SEPA Instant transfers
Decline of Direct Debit
€5
€5
€5
Scheduled payments
Bulk payments
Card payments
Free Physical VISA
1 per user
3 per user
3 per user
Physical card monthly maintenance
Card payments in foreign currency (non-EUR)
€0 - €500
0%
0%
0%
€500 - €1 000
2%
1%
1%
€1 000 +
2%
1%
1%
ATM withdrawals in foreign currency (non-EUR)
2%
1%
1%
Card payments for certain MCCs (%, minimum 1 €)
€0 - €500
2%
1%
1%
€500 - €2 500
3%
2%
2%
€2 500 - €5 000
4%
3%
3%
€5 000 +
5%
4%
4%
ATM withdrawal amounts (applicable for all cards)
€0 - €500
0%
0%
0%
€500 - €2 000
1%
0%
0%
€2 000 - €5 000
5%
3%
3%
€5 000 - €10 000
8%
5%
5%
€10 000 +
8%
8%
8%
Virtual card
3 per user
10 per user
20 per user
Monthly fee for virtual VISA Card
€0
€0
€0
Free card express delivery
Special offers
International payments
Incoming international payments (fee per payment)
€5
€5
€5
Intermediary bank fee protection for SWIFT payments, optional
€35
€35
€35
Accounting & Invoicing
Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)
DATEV Belegbilderservice
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Role and user management
Customization of invoice templates
Visual analytics of income and expenses
Additional fees for special services
Express delivery of Finom Card
€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
Refusal to redeem an authorized direct debit due to insufficient account balance
€1
€1
€1
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)
€15
€15
€15
Administrating irregularities applied to the Finom Business Account
€25
€25
€25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
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
ProYou save € 360
GrowYou save € 1.080
Business Account
Multiaccounts
Users included
Chat support
Up to 3 minutes
Up to 3 minutes
Email support
Up to 30 minutes
Up to 30 minutes
Weekend support
Account Manager
Account Management Team
Dedicated Account Manager
Provided by Aksys Global Markets Europe Ltd
Interest account
Free account setup
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€0 - €2 500
0%
0%
€2 500 - €10 000
0%
0%
€10 000 - €25 000
0%
0%
€25 000 - €50 000
0%
0%
€50 000 - €100 000
0%
0%
Above €100 000
0%
0%
SEPA Instant transfers
Decline of Direct Debit
€5
€5
Scheduled payments
Bulk payments
Card payments
Free Physical VISA
3 per user
3 per user
Physical card monthly maintenance
Card payments in foreign currency (non-EUR)
€0 - €500
0%
0%
€500 - €1 000
0%
0%
€1 000 +
1%
0%
ATM withdrawals in foreign currency (non-EUR)
1%
0%
Card payments for certain MCCs (%, minimum 1 €)
€0 - €500
1%
1%
€500 - €2 500
1%
1%
€2 500 - €5 000
2%
2%
€5 000 +
3%
3%
ATM withdrawal amounts (applicable for all cards)
€0 - €500
0%
0%
€500 - €2 000
0%
0%
€2 000 - €5 000
3%
3%
€5 000 - €10 000
5%
5%
€10 000 +
8%
8%
Virtual card
Monthly fee for virtual VISA Card
€0
€0
Free card express delivery
Special offers
International payments
Incoming international payments (fee per payment)
€5
€0
Intermediary bank fee protection for SWIFT payments, optional
€35
€35
Accounting & Invoicing
Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)
DATEV Belegbilderservice
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Role and user management
Customization of invoice templates
Visual analytics of income and expenses
Additional fees for special services
Express delivery of Finom Card
Reference letter fee for business
€80
€80
Business Account Closure Refund Processing Fee
€5
€5
Recall of outgoing SEPA SCT
€15
€15
Inquiry on SEPA SCT (Payment Investigation)
€15
€15
Recall of international payments
€60
€60
Outgoing payment investigation
€45
€45
Incoming payment investigation
€50
€50
Fee for providing MT103
€20
€20
Fee for MT199 request
€45
€45
Audit confirmation statement
€100
€100
Refusal to redeem an authorized direct debit due to insufficient account balance
€1
€1
Unarranged negative balance on Finom Business Account
€1 per day
€1 per day
Dunning letter (per letter)
€5
€5
Card dispute for an authorised transaction (per transaction)
€15
€15
Administrating irregularities applied to the Finom Business Account
€25
€25
Personal account manager
Onboarding fee
Applied individually
Applied individually
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
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
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.How safe is my money with Finom?
Your money is in safe hands because we strive to provide a high level of security to protect it: - With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction. - Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity. - Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud. - The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls. 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.: - When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account. - It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else. - We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds. - We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk. - Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB. For more information, please refer to the Terms of Finom Payments. 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.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.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.Can I make SEPA and other international transfers (like SWIFT)?
Yes, Finom allows you to send payments within the SEPA zone and international payments worldwide.Does Finom offer cashback?
Yes! The amount of cashback depends on the plan you're using and applies to all in-store and online transactions. Depending on the tariff, you can get up to 3% cashback, and in some cases, you can receive additional cashback from Visa promotions and special offers. To see exactly how much cashback you're eligible for, check your plan details.Does your support staff speak my language?
Of course! Our Customer Care 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.Is Finom secure?
Absolutely! We use advanced anti-fraud techniques, double encryption, and the TLS protocol to protect your personal and transfer data. 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 local IBAN, up to 3% cashback, and a bunch of other features.Which legal forms does Finom support in Germany?
Currently, we accept German companies with the following legal forms:- Freiberufler
- Nicht eingetragenes Einzelunternehmen
- Selbständige
- Gesamthandsgemeinschaft
- LV (Landschaftsverband)
- SoGem (Sonstige Gemeinschaft ohne eigene Rechtspersönlichkeit)
- e.V. (eingetragener Verein)
- V (Verein)
- WEG (Wohnungseigentümergemeinschaft)
- EWIV (Europäische Wirtschaftliche Interessenvereinigung)
- SCE (Europäische Genossenschaft)
- BRG (Bergrechtliche Gewerkschaft)
- eG (eingetragene Genossenschaft)
- Re (Reederei)
- JPpR (Juristische Person des privaten Rechts)
- NaV (Nachlassverwalter)
- RAR (Rechtsform ausländischen Rechts)
- KöR (Körperschaft des öffentlichen Rechts)
- EGB (Eigenbetrieb)
- St (Stiftung)
- StbR (Stiftung des bürgerlichen Rechts)
- St+Co OHG (Stiftung & Co. OHG)
- oHG (offene Handelsgesellschaft)
- GbR (Gesellschaft bürgerlichen Rechts)
- GmbH+Co OHG (Gesellschaft mit beschränkter Haftung & Co. Offene Handelsgesellschaft)
- AG+Co OHG (Aktiengesellschaft & Co. OHG)
- eGbR (eingetragene Gesellschaft bürgerlichen Rechts)
- PartG (Partnerschaftsgesellschaft)
- gGmbH (Gemeinnützige GmbH)
- GmbH (Gesellschaft mit beschränkter Haftung)
- GmbH i.G. (GmbH in Gründung)
- KG (Kommanditgesellschaft)
- St+Co KG (Stiftung & Co. KG)
- GmbH & Co. KGaA (Kommanditgesellschaft auf Aktien)
- AG+Co KG (Aktiengesellschaft & Co. KG)
- UG+Co KG (Unternehmergesellschaft & Co. KG)
- GmbH & Co KG (GmbH & Co. Kommanditgesellschaft)
- SRG (Seerechtliche Gesellschaft)
- UG (Unternehmergesellschaft)
- UG i.G. (UG in Gründung)
- AG (Aktiengesellschaft)
- SE (Europäische Gesellschaft)
- AG iG (Aktiengesellschaft in Gründung)
- KGaA (Kommanditgesellschaft auf Aktien)
- Ki (Kirchengemeinde)
- KiSt (Kirchliche Stiftung)
- eK (eingetragener Kaufmann)
- Gew (Gewerkschaft)
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.







