Finom vs N26: a side-by-side comparison

Verified

Great customer experience

I had the pleasure to talk to Isaac who assisted me very very well in my matter. He was always very quick to respond to my emails and was very helpful and forthcoming.

Verified

Very customer friendly app

Very customer friendly app. There is only one thing that does not apply to my field of freelance. The VAT-free law is not available here, so that I cannot issue invoices through the app because I need To reveal the reason of the VAT-free law.

Verified

Sandra von Finow helped me very quickly…

Sandra von Finow helped me very quickly to resolve the problem I had the previous evening—many thanks for that.

Verified

Absolutely fantastic

Absolutely fantastic. And I mean that sincerely, in a world where customer service is distinct you are the exception. The process exceptionally swift, flexible and human. Love it!

Verified

From now i can see very good tech and…

From now i can see very good tech and customer supply. I won't hesitate to add further comments then, but it sounds great!

Verified

Top Service

Top Service

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Verified

I’ve very positive experience - highly recommended had a very positive experience…

I've had a very positive experience with Finom so far. The interface is intuitive, the bookkeeping features save me a lot of time, and the overall platform makes managing my business finances much easier on a daily basis. One area that could be improved is the MCC fees, as they can add up over time. On the other hand, the cashback program is a nice benefit and helps offset some of those costs. I'd also love to see Finom offer a proper credit line or other financing options for small entrepreneurs, credit that makes positive impact. Access to flexible funding would make it easier for businesses in the early stages to grow. Overall, I'm very happy with the service and would recommend it to other small business owners looking for a modern and easy-to-use business banking solution. Thanks a lot for your services.

Verified

Advertised 5% – got 0.75% instead

I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.

Verified

good helping only i dont have a phone…

good helping only i dont have a phone and cant registrerd.