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Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Basic

For individual entrepreneurs and companies looking to scale their business

€ 12

/ month

excl. VAT

€ 9

/ month

excl. VAT

You save € 36

30-day trial
Recommended

Smart

Save 20% – 6 months monthly, 12 annual
For growing businesses that need advanced features to manage their increasing operations

€ 23

/ month

excl. VAT

€ 19

/ month

excl. VAT

You save € 48

30-day trial

Pro

For larger businesses requiring advanced features, higher limits, and greater flexibility

€ 149

/ month

excl. VAT

€ 119

/ month

excl. VAT

You save € 360

Apply now

Business account

Business account

Business account

Users included

2

Users included

Users included

Cashback

1 %

Cashback

3 %

Cashback

unlimited cashback up to 0,5 %

AI Assistant

AI Assistant

AI Assistant

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Chat support

Up to 3 minutes

Account Manager

Account Manager

Account Manager

Account Manager team

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)

Free outgoing SEPA transfers

€ 25.000

Free outgoing SEPA transfers

€ 50.000

Free outgoing SEPA transfers

€ 100.000

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

Outgoing international payments

0.50 %

Outgoing international payments

0.40 %

Outgoing international payments

0.20 %

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

All-in-one Business Platform

Plans

Basic

€ 12/ month€ 9/ month excl. VAT

You save € 36

30-day trial

Smart

€ 23/ month€ 19/ month excl. VAT

You save € 48

30-day trial

Pro

€ 149/ month€ 119/ month excl. VAT

You save € 360

Apply now

Business Account

Personal IBAN (unique account number for global transfers)

Multiaccounts

Cashback

1 %

3 %

unlimited cashback up to 0,5 %

Users included

2

Expense management

Team cards personalization

AI Assistant

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

Account Manager Team

Provided by Finom Payments/Solaris SE

SEPA payments

Transfers between Finom's users in a few seconds

Extra SEPA OUT & Direct Debit transfers (per month)

€  0 - €  2499

0 %

0 %

0 %

€ 2500 - € 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

0 €

0 €

0 €

Monthly card payment limit

100.000 €

100.000 €

100.000 €

Monthly ATM withdrawal limit

2.000 €

5.000 €

5.000 €

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 %

1 %

2.500 € - 5.000 €

4 %

3 %

2 %

5.000 €+

5 %

4 %

3 %

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 %

Monthly fee for the inactive physical card

1 €

0 €

0 €

Virtual card

3 per user

10 per user

Monthly fee for virtual VISA Card

0 €

0 €

0 €

Monthly fee for the inactive virtual card

0,5 €

0 €

0 €

Free card express delivery

Basic card limits management

Advanced card limits management

Special offers

International payments

Incoming international payments (fee per payment)

5 €

5 €

5 €

Outgoing international payments (fee per payment)

5 €

5 €

5 €

Fee for the outgoing volume of international payments

0.50 %

0.40 %

0.20 %

Coverage of the International transfer cost, 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

45 €

Incoming payment investigation

50 €

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

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

Joaquim da Silva

TMJ Coaching, CEO

1/4

I started my business because I value freedom

In 2021, I graduated and decided to use my healthcare skills and fitness knowledge to help people who want to get healthy. That’s when I opened TJM Coaching. It started as an online service, but now I offer both online and offline sessions. From tailored meal plans to personalized health advice, we're dedicated to empowering people to achieve their wellness goals.

Read the story

AJ

Beat Em Hub, co-founder

2/4

Finom has been a vital part of our business

Before Beat Em Hub, I worked full-time in the gaming industry, which inspires me every day. The passion and creativity of the people in this field fuel our teamwork and encourage us to push boundaries. Our team currently consists of seven members.

Read the story

Tanja Leipnitz

DuniDun, CEO

3/4

Finom has positively impacted my business

I’ve always wanted to be an entrepreneur. Even when I had a regular job, I tried pursuing entrepreneurship because I love spontaneity and flexibility. So four years ago, I started as a sole entrepreneur with nothing – no employees, no physical location.

Read the story

Masiha Arsalan

Business Development Director at Fluid Work

4/4

After all, business is all about people

My name is Masiha Arsalan and I’m the co-founder and Business Development Director of Fluid Work. My professional background comes from biotechnology: I’ve been working in this field for about 7 years.

Read the story

FAQ

  • Is entering payment details required for a trial?

    No, Finom offers a free trial for one month, and you can start without providing payment details. You can cancel anytime during the trial period without being charged.

  • Can I cancel my subscription at any time?

    You can cancel your subscription at any time. However, if you’ve paid for a full year and choose to cancel before the year ends, we cannot refund the cost of the unused months. For more details, please refer to our Terms and Conditions.

  • What payment methods are supported?

    Finom supports several payment methods, including SEPA transfers, card payments, and more. The specific methods vary depending on the region.

  • Can I switch to another plan at any time?

    If you pay monthly and switch plans, your new plan will take effect after your current subscription ends, at the end of the month. If you pay yearly, your new plan will begin once your current subscription expires, at the end of the year.

  • How quickly can I get help with technical issues?

    Finom provides customer support on weekdays from 9am to 6pm CET. Additionally, it offers a wide range of self-service resources, including articles and FAQs in its Help Center.

  • In what cases is a refund for the subscription possible?

    Finom’s refund policies depend on the situation and are typically covered by the customer service team. It's best to contact them directly for specific refund requests.

  • Can I create a custom plan if my business requires unique features?

    Finom offers various tailored subscription options, including 'Corporate' and 'Enterprise' plans that can be adjusted based on specific needs.