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
Be it receipt, invoice or any other important document – collect it in Finom secure storage in several clicks
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 newly registered companies who need simple, essential features
/ month
/ month
Basic
For individual entrepreneurs and companies looking to scale their business
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Smart
Save 20% – 6 months monthly, 12 annual
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Business account
Users included
1
Users included
2
Users included
Cashback
0 %
Cashback
1 %
Cashback
3 %
AI Assistant
AI Assistant
AI Assistant
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
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
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
€ 2.500
Free outgoing SEPA transfers
€ 25.000
Free outgoing SEPA transfers
€ 50.000
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
Outgoing international payments
1 %
Outgoing international payments
0.50 %
Outgoing international payments
0.40 %
Role and user management
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Compare plans
You save € 48
You save € 72
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
0 %
1 %
3 %
Users included
1
2
Expense management
Team cards personalization
AI Assistant
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 Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
Extra SEPA OUT & Direct Debit transfers (per month)
€ 0 - € 2500
0 %
0 %
0 %
€ 2500 - € 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 %
€ 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 card
0
1 per user
3 per user
Physical card monthly maintenance
3 €
Monthly card payment limit
100.000 €
100.000 €
100.000 €
Monthly ATM withdrawal limit
500 €
2000 €
5000 €
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 the inactive physical card
0 €
1 €
0 €
Virtual card
1 per user
3 per user
10 per user
Monthly fee for virtual VISA Card
0 €
0 €
0 €
Monthly fee for the inactive virtual card
1 €
0,5 €
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
1 %
0.50 %
0.40 %
Coverage of the International transfer cost, optional
35 €
35 €
35 €
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
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
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:
In addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., there are also legal regulatory measures of the institution providing your business account, i.e. Safeguarding your account via Finom Payments B.V.:
For more information, please refer to the Terms of Finom Payments.
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:
From automation to cost optimization, discover how to use AI today. Download our free expert guide with real case studies and actionable insights.
Plan configurator
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