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Earn 5% p.a. with an Interest Account

Stop leaving money on the table. Earn high-yield interest on your idle EUR business funds – at Europe’s best interest rate* for business accounts

  • Fixed 5% p.a. for the first 5 months on EUR funds

  • Up to 1.75% p.a. afterwards, depending on your pricing plan

  • Withdraw your funds at any time

Start earning
Terms & conditions apply

Exceptional fixed rate 5% p.a. for 5 months

  • Transfer instantly

    Deposit funds to your Interest Account anytime – no minimum required

  • Earn daily

    Interest is calculated daily and is automatically added to your total

  • Access anytime

    Withdraw your funds anytime with no penalties

  • Save smarter

    Protect your tax and payroll funds from daily spending with a rate that's beyond competitive

Open account

Watch your money grow

Calculate how much you'd earn

Interest Calculator

Starting balance (€) *
Time period (months) *

How it works

A simple, transparent way to earn more as a Finom customer

  • Move your funds Transfer your idle cash to your Interest Wallet and start earning interest. No minimum deposit, no setup fees – start small and scale as the business grows.

  • Watch it grow at a fixed rate Your funds are placed in low-risk Money Market Funds. Unlike volatile investments, your rate is fixed at 5% p.a. for the first 5 months, followed by a competitive rate of up to 1.75% p.a.

  • Earn every day Your interest is calculated and added to the total invested amount every day. See your money grow daily.

  • Transfer your earnings When you need you money back, transfer it back to your Finom wallet. Whenever you want, with no withdrawal penalties, ever.

Get started

Low risk investment and a fixed return

Institutional-grade asset protection

Your capital is held with a regulated EU investment firm. Under MiFID II, assets are strictly segregated from corporate funds. Idle cash is placed in low-risk QMMFs for safety and liquidity

  • MiFID II Compliant

    Your Interest Wallet operates under strict EU investment regulations, ensuring high standards of transparency and rigorous operational oversight

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  • Direct Investment Services by Aksys

    Your account is managed by Aksys, a regulated firm executing all core activities in full regulatory compliance.

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  • Low-risk liquid assets

    Aksys segregates funds in Qualified Money Market Funds (QMMFs). These low-volatility instruments consist of high-quality EU public debt, ensuring liquidity and lower risk.

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  • Segregated accounts

    Your investments are held in ring-fenced accounts managed by Aksys. This ensures your assets are protected from third-party claims and remain off-balance-sheet

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A smarter way to manage extra funds

For SMEs, freelancers, and businesses who want their funds to be both safe and productive

  • For freelancers

    5% for 5 mo., then 0.1%

    A smarter, more flexible place to keep your client payments and tax savings in while earning a predictable return

  • For SMEs

    5% for 5 mo., then 0.75%-1%

    Stop letting your tax, payroll, or buffer cash sit at 0%. Make it productive while keeping it fully accessible

  • For larger companies

    5% for 5 mo., then 1.5%-1.75%

    Move your money and activate its full potential. Enjoy a high-quality investment product to generate a predictable, high-performance return

Open account

Solo

For freelancers who need simple, essential features

You save € 48

Basic

For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control

You save € 72

Smart

For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations

€ 0 / month€ 0 / monthStart

excl. VAT

€ 21 / month€ 17 / month30-day trial

excl. VAT

€ 40 / month€ 34 / month30-day trial

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

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

Standard rate

0,1%

Standard rate

0,75%

Standard rate

1%

Promo rate for 5 months

5%

Promo rate for 5 months

5%

Promo rate for 5 months

5%

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

FAQ

  • What is an Interest Account?

    Interest Account offers a fixed interest rate on funds placed in a dedicated wallet. These funds are invested in low-risk Money Market Funds via Aksys to provide a stable and predictable return.

  • Who is it for?

    The Interest Account is designed for businesses looking to put their non-operational funds to work. It’s ideal for tax reserves, payroll, or any idle cash intended to earn a yield rather than sitting in a non-interest-bearing account.

  • How can a business earn interest on idle cash?

    It’s simple: once you move your idle cash into the Interest Account, your funds start generating daily returns. You’ll enjoy a fixed 5% p.a. for the first 5 months, followed by a competitive standard rate based on your plan.

  • Can I withdraw from the Interest Account anytime?

    Yes. You can initiate a transfer back to your main account at any time with no fees. You will receive the money instantly.

  • Are money market funds low risk?

    Qualifying Money Market Funds are considered one of the lowest-risk investment options available. They are professionally managed to prioritise stability and liquidity, though like all investments, they carry a marginal level of market risk

  • What is the expected return?

    Aksys offers a fixed rate of 5% p.a. for the first 5 months. Following this period, the rate will reflect current market conditions, currently up to 1.75% p.a., depending on your plan.