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Maximize your start-up’s profits with Finom

Online business account for start-up owners and teams. Unbeatable low subscription fees, quick account opening, enhanced finance management, intuitive mobile and web apps.

Get started with Finom

Alleviating start-up struggles – discover how

Starting a business is tough. We are here to help you escape the burden of high fees and complexity:

  • Get your IBAN ready in 24 hours

    Forget about lengthy account setup

  • Act global

    securely store and manage investor funds

  • Never feel stranded

    with our prompt and responsive customer support

    24/7

  • Track cash flow

    and reinforce teamwork with our user-friendly app

  • Receive and send money everywhere

    150 countries, lowest FX rates

  • Cut through paperwork and challenges typical for traditional banks

Open free business account

Finom’s suite of benefits designed for your start-up

  • Business Account

    Open a fully functional business account in less than one business day.

  • Free cards with cashback

    Free cards for you and your teammates. Earn cashback on all business expenses.

  • Manage business across borders

    Ideal for complex organizational structures and founders spread across Europe.

  • Essential business tools

    Smart invoicing ,accounting automation, customized team wallet access.

Make payments easily

Free physical and virtual cards for you and your employees

Learn more
Pay anywhere

with ApplePay or GooglePay

Exceptional up to
cashback

Transfers & Direct Debits

Up to € 5 000

monthly ATM withdrawal limit

International payments to 150+ countries

Why Finom is a game-changer

  • Get a European IBAN in one business day

  • Pay locally and globally with no hidden fees

  • Safely store investor funds in your business account

  • Use smart invoicing that makes them pay you faster

  • Manage your income and expenses in one place

Open account

1-month free trial available on any plan

Entrepreneurs love Finom

Check what our users are saying about us on Trustpilot

It was easy to set up a business account for a company in the founding process. And the support was excellent – they replied quickly when I asked where to claim my referral reward.

Hana C.

Finom has been an absolute game-changer for my startup journey. Their platform is incredibly user-friendly, and the customer support is top! It's honestly one of the best experiences I've had in the digital world. Banking is no longer a hustle for startup founders.

Fares H.

Fast and easy registration. The whole process from the start to the ready business account took less than an hour.

Sascha K.

Happily using Finom as a Business Account. The performance of the App is super fast. Everything works nicely!

Joschua G.

I worked with many digital financial platforms, and I must say Finom has the best business account, it’s my favorite! Integrated accounting helps you save costs with your tax consultants, too.

Michel X.

I am freelancing as a Web Designer and Finom has given me the opportunity to keep track of my finances in a highly efficient manner. Easy to use, nice user interface, and free of cost.

Vadim R.

Manage your finances

Track your income and expenses in real time

Learn more
Enjoy full visibility in customizable dashboard
Transactions tracking

with real-time notifications

Issue, top-up or limit cards for employees in clicks
Automated VAT extraction
Take a picture and attach bills with a tap

Customers love Finom

Finom pricing and plans

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

Solo

For freelancers who need simple, essential features

You save € 48

Basic

For individual entrepreneurs and companies looking to scale their business

You save € 72

Smart

Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing 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

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

All-in-one Business Platform

Plans

Solo

€ 0 / month€ 0 / monthStart

Save € 48

Basic

excl. VAT€ 21 / month€ 17 / month30-day trial

Save € 72

Smart

excl. VAT€ 40 / month€ 34 / month30-day trial

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

Security is our top priority

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

Learn more

FAQ

  • Who is Finom?

    Finom is your go-to financial platform, born in 2019 in the Netherlands. It started as a smart e-invoicing solution but quickly evolved to become the trusted companion of tens of thousands of entrepreneurs across Europe. We process about €1 billion in monthly transactions, and our reach extends to France, Italy, Belgium, Spain, Poland, and of course, Germany. Such big names in the investment world as Target Global, General Catalyst, and FJ Labs trust us too. With Finom, you can open a business account in a few clicks, fully online. You can manage your finances from your phone or laptop with our mobile and web apps. We cover everything from payments and invoicing to bookkeeping and team access, all with transparent pricing and zero hidden fees. You'll get a local IBAN, free virtual and physical cards with cashback, SEPA & Direct Debit transfers, and much more.

  • How safe is my money with Finom?

    Your money is in safe hands because we strive to provide a high level of security to protect it: - With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction. - Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity. - Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud. - The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls. 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.: - When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account. - It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else. - We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds. - We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk. - Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB. For more information, please refer to the Terms of Finom Payments.

  • Can entrepreneurs from any country open an account?

    Currently, we open business accounts for companies based in and operating from Germany, France, Italy, the Netherlands, Belgium, and Spain. Our invoicing plan is available in Poland, while freelancer and customized corporate tariffs can be picked by any of the EEA countries’ entrepreneurs. The legal representative (the sole individual authorized to open a business account on behalf of a company) and the beneficial owners must possess a valid residence permit in one of the mentioned countries, irrespective of the country where their passport/ID card is issued. Additionally, we welcome applications from US residents and citizens establishing businesses in the EU.

  • As a US citizen, can I open an account for my business operating in the EU, and is FATCA compliance required?

    Yes, US citizens are eligible to open a Finom business account for their enterprises established in the EU. Unlike traditional banks, Finom, as a licensed electronic money institution authorized to operate in the European Union (EU) and the European Economic Area (EEA), doesn’t require FATCA (Foreign Account Tax Compliance Act) compliance for opening accounts. We strive to provide financial services to all individuals legally running their businesses in the EU, ensuring compliance with relevant regulations governing our operations. Therefore, US citizens can confidently engage with our platform without needing FATCA documentation.

  • Can I make SEPA and other international transfers (like SWIFT)?

    Yes, Finom allows you to send payments within the SEPA zone and international payments worldwide.

  • Does Finom offer cashback?

    Yes! The amount of cashback depends on the plan you're using and applies to all in-store and online transactions. Depending on the tariff, you can get up to 3% cashback, and in some cases, you can receive additional cashback from Visa promotions and special offers. To see exactly how much cashback you're eligible for, check your plan details.

  • Does your support staff speak my language?

    Of course! Our Customer Care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won't be a barrier when you need assistance.

  • Is Finom secure?

    Absolutely! We use advanced anti-fraud techniques, double encryption, and the TLS protocol to protect your personal and transfer data. Your finances are in safe hands with Finom – here, you can read more about our security policy.

  • Is it easy to open a business account with Finom?

    Super easy! You can do it all online in under 15 minutes. Just sign up with your email, provide your company details, pass a quick verification, complete the application, and install our app. Once your account is verified (usually in 1-2 business days), you'll have immediate access to local IBAN, up to 3% cashback, and a bunch of other features.

  • Which legal forms does Finom support in Spain?

    Currently, we accept Spanish companies with the following legal forms:
    • Empresario individual (Autónomo)
    • Sociedad Cooperativa (S.Coop)
    • Sociedad Cooperativa Limitada (SCL)
    • Sociedad Cooperativa Catalana Limitada (SCCL)
    • Sociedad Cooperativa Catalana (SCC)
    • Sociedad Cooperativa de Crédito Valenciana (SCCV)
    • Sociedad Mercantil Estatal (SME)
    • Fondo de Pensiones (FP)
    • Comunidad de Bienes (CB)
    • Sociedad Colectiva (SC)
    • Sociedad Regular Colectiva (SRC)
    • Sociedad Limitada (SL)
    • Sociedad Limitada Profesional (SLP)
    • Sociedad de Responsabilidad Limitada (SRL)
    • Sociedad Limitada Nueva Empresa (SLNE)
    • Sociedad Limitada Unipersonal (SLU)
    • Sociedad Limitada Laboral (SLL)
    • Sociedad Limitada Laboral Profesional (SLLP)
    • Sociedad de Responsabilidad Limitada Laboral (SRLL)
    • Sociedad de Responsabilidad Limitada Profesional (SRLP)
    • Sociedad Gestora de Instituciones de Inversión Colectiva (SGIIC)
    • Sociedad Gestora de Entidades de Capital Riesgo (SGECR)
    • Sociedad de Inversión de Capital Variable (SICAV)
    • Sociedad Comanditaria (S.Cra)
    • Sociedad Comanditaria por Acciones (SCA)
    • Agrupación de Interés Económico (AIE)
    • Agrupación Portuaria de Interés Económico (APIE)
    • Agrupación Europea de Interés Económico (AEIE)
    • Sociedad Civil Profesional (SCP)
    • Sociedad Anónima - Entidad Gestora de Fondos de Pensiones (EGFP)
    • Sociedad Anónima (SA)
    • Sociedad Anónima Unipersonal (SAU)
    • Sociedad Anónima Deportiva (SAD)
    • Sociedad Anónima Laboral (SAL)
    • Sociedad Anónima Profesional (SAP)
    • Sociedad por Acciones Simplificada (SAS)
    • Sociedades Anónimas Cotizadas de Inversión Inmobiliaria (SOCIMI)
    • Unión Temporal de Empresas (UTE)

  • I know my friend uses your service, do you have a referral program?

    Yes, indeed! If your friend shares their unique referral link with you, you both get rewarded. You'll enjoy 3 free months on any subscription plan of your choice, and your friend will get a little something from us too. So don't miss out on this win-win opportunity! Check out the full Terms & Conditions and Reward Rules for all the details.