Free physical & virtual cards
Issue multiple free VISA debit cards with 0% commission
- ATM withdrawal limit up to € 5 000 per card
- Issue, limit, top up or block with just a click
- Apple Pay & Google Pay
€ 0 per month
Open online a fully functional and free business account
Up to 3% cashback
Spend anywhere and receive the highest cashback on the market
Expense management
Expense management solution for team spending control
Effortless e-invoicing
That gets you paid up to 20% faster
Use the DATEV integration for exporting receipts and invoices
Issue multiple free VISA debit cards with 0% commission
German IBAN for small businesses, freelancers and companies under registration
Physical and instantly issued virtual cards for you and your team
Simple, powerful — built to get you paid twice as fast
Get personal and team expenses in control and keep your books tidy
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
Auto integration of invoicing with Finom API in any e-store, CRM, or ERP
Function of uploading all documents and transactions
What about you?
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
Payment Solutions
Payment Solutions
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
SEPA payments
Transfers between Finom's users in a few seconds
Outgoing SEPA transfers
2 €
0 €
0 €
Fee for 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 €+
3 €
3 €
3 €
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
50.000 €
50.000 €
50.000 €
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 €
0 €
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 €
Additional fees for special services
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 €
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)
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
24/7
Contact us on e-mail: [email protected]
Plan configurator
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