Finom pricing and plans

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

Solo

For freelancers and new entrepreneurs who need simple, essential features

0

/ month

0

/ month

Start

Premium

For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits

34

/ month

28

/ month

You save 72

30-day trial

Business account

Business account

Users included

1

Users included

5

Multiaccounts

Multiaccounts

Cashback

0 %

Cashback

3 %

Dedicated Account Manager

Dedicated Account Manager

Accounting & Invoicing

Accounting & Invoicing

Accountant access

Accountant access

Smart Invoicing

Smart Invoicing

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

30+ accounting integrations

30+ accounting integrations

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)

Transfers between Finom users

0

Transfers between Finom users

0

SEPA transaction fee

2

SEPA transaction fee

0

VISA physical & virtual cards

VISA physical & virtual cards

Physical card monthly maintenance

3

Physical card monthly maintenance

0

International payments (in&out)

5

International payments (in&out)

5

Outgoing international payments

2 %

Outgoing international payments

0,8 %

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

All-in-one Business Platform

Plans

Solo

0/ month 0/ month
Start

Start

17/ month 14/ month

You save 36

30-day trial

Premium

34/ month 28/ month

You save 72

30-day trial
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
1 %
3 %
3 %
Users included
1
2
5
Monthly fee for extra team member
4
2
1
Dedicated Account Manager
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
0
0
0
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom PaymentsSEPA payments
Transfers between Finom's users in a few seconds
Outgoing SEPA transfers
2
0
0
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1 % after 25,000
0,1 % after 50,000
0,1 % after 100,000
SEPA Instant transfers
0 - 500
1
1
1
500 - 2,000
3
3
3
2,000+
5
5
5
Decline of Direct Debit
5
5
5
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
3
Monthly card payment limit
100,000
100,000
100,000
Monthly ATM withdrawal limit
500
2,000
5,000
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 physical VISA card
5
0
0
Monthly fee for the inactive physical card
2
1
0
Virtual VISA card issuance
Monthly fee for virtual VISA Card
0
0
0
Monthly fee for the inactive virtual card
1
0.5
0
International payments
Outgoing international payments (fee per payment)
5
5
5
Incoming international payments (fee per payment)
5
5
5
Fee for the volume of international payments
2 %
0,9 %
0,8 %
Coverage of the International transfer cost, optional
35
35
35
Additional fees for special services
Express delivery of Finom Card
15
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)
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

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

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.