Open your business account – capital deposit without paperwork
Begin working in just 3 steps
Open your account in minutes
Upload your notarised preliminary documents – we accept early-stage founders still in the registration process.
Deposit your share capital
We give you the exact “Stammeinlage von…” reference your notary needs, plus a bank confirmation ready to submit.
Activate your business account
Start using your business account immediately – provide your Handelsregisternummer to unlock all features.
Not in the register yet? Already in business
Open a business account without Handelsregister
Open an account with just your notarised documents, without Handelsregister
Deposit your initial share capital into your business account
You have 90 days to provide your Handelsregisternummer – let us know if you’d like the deadline extended
Once we receive it, we finalise your registration – no extra steps
A full business account for later
Your business account comparison is over: from €7/month, with no hidden fees.
German IBAN
Give your clients peace of mind with a local German IBAN.
E-invoicing
Send fully compliant e-invoices in 60 seconds with one-click payment links included.
Reconciliation
Automatically match invoices with payments and digitise receipts with a quick snap.
Savings account
Get fixed 5% p.a. for the first 5 months on idle cash in EUR.
Customer support
Under 5 minutes response time, rated 5 stars by 92% of customers.
Accounting integrations
Connect seamlessly with Lexoffice, DATEV, sevdesk, and more to save time on bookkeeping.
Built for your legal structure
Business account for GmbH i.G., even before registration
Corporate cards that give you control
Manage your expenses without friction or hidden fees
Make payments securely
through a regulated banking partner
Virtual and physical cards,
up to 3% cashback
No fee on the virtual card
Customise card limits for employees from day one
Premium cards with powerful travel perks
FAQ
Can I use Finom before my company registration is complete?
Yes. You can open a Finom account and begin using your Finom Visa debit card immediately. You will have a full 90 days to finalise your company registration and provide your Handelsregisternummer.What documents do I need to onboard to Finom if I am applying during formation?
Just your notarised founding documents. This could be your notarial incorporation deed, your Articles of Association, or a Musterprotokoll if you used the simplified template. As long as the document has been notarised, you are ready to move forward.Do my documents need to be notarised?
Yes. They must carry a valid notary stamp and signature in order to be accepted.Can I open a business account without a Handelsregister number?
Yes. You can open your Finom account and start using your Finom Visa debit card right away. You don't need a Handelsregister number to get started.How much time do I have to finish registering?
You have 90 days. Once you receive your Handelsregister number, simply share it with us and we will finalise your registration on file.What if I do not get my Handelsregister number within 90 days?
The registration process can sometimes take longer than expected. Just contact our customer support in the app as soon as you are aware of an issue, and we will find a way to proceed.What legal structures are accepted before registration is complete?
If you are forming a GmbH, UG, GmbH & Co. KG, or their non-profit equivalents (gGmbH/gUG), you can open your Finom account while your registration is still in progress.What happens if my business purpose isn't clear in my documents?
We may ask for an additional document or a short written confirmation outlining your registered business activity. This is a completely normal part of the review process and it will not delay your account opening.
