Finom vs VIVID: a side-by-side comparison

Choosing the right provider for your business isn't easy. Let's take a look at why Finom might be a better choice in terms of cashback, card options, and pricing.

Open free business account

Finom: we have it all and more

Finom

Vivid

Finom

Vivid

Overall pricing
per month when paid annually

Solo 0 €

Basic - € 17
Smart - € 37
Pro - € 119
Grow - € 249

Standard, Free Start € 0

Prime, Basic- € 6,9
Pro - € 18,9
Pro+ - € 41
Enterprise - € 79
Enterprise+ - € 249

French IBAN

Cashback

Up to 3%

N/A

Free virtual cards

Solo - 1
Basic - 3
Smart - 10
Pro - Unlimited
Grow - Unlimited

Up to 25

Free physical cards

Solo - 0

Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited

Card replacement (e.g. in case of blocking) is free of charge, even in excess of the specified quantity.

Free

Cash withdrawal

Up to € 2 500 per day, depending on the plan

Up to € 500 per month, depending on the plan

Cards

3 free physical cards per user
Unlimited number of free virtual cards
Free re-issuance of additional cards

Up to 25 cards included

Card type

VISA

Apple Pay / Google Pay

International payments

Fixed € 5 fee

€5 per transfer after free allowance

Free SEPA & Direct Debit transfers (per month)

Solo - 5*
Start - 70*
Premium - 100*
Corporate - Unlimited
Enterprise - Unlimited

*a fee of € 1 applied to further transfers

Free

Customer support

24/7, response time within minutes

7 days a week, reply within 1 hour

Here’s why

Top-notch solution Business account opened from the comfort of your couch in 2 days. Free cards, state-of-the-art invoicing, payments all around the globe, and more;
Never overpay We’re fully digital – no costs on branches. Ever seen our billboards and TV ads? No, we don’t spend on it;
Never walk alone Our lightning-fast phone, video or chat customer support assists you at every step of the way.

Why choose Finom for business?

Free business account
Open a fully functional business account with invoicing for as much as €0
Up to 3% cashback
Use your VISA cards and score cashback that pays the subscription off
Invoicing
Create and send smart invoices in 60 seconds and get paid 20%+ faster
5% p.a. Interest Account
Get a fixed rate for your first 5 months with no lock-ins

Open account

1-month free trial available

Customers love Finom

4.7
App Store
4.6
Google Play

Meet our 200,000+ customers

Read real, authentic reviews

Verified

Finom

Finom, especially Lori, helped me solve a sensitive problem created by a big corporation. They were excellent in their communication and problem solving.

Catarina

September 28, 2026

Verified

Excellent customer service and very…

Excellent customer service and very helpful support. Kuba was friendly, patient and professional throughout the whole conversation. He answered all my questions clearly and tried his best to help me find a solution to my issue. I really appreciate the quick response and the excellent support. Thank you, Kuba and Finom! ⭐️⭐️⭐️⭐️⭐️

Ali

September 27, 2026

Verified

Clear & Efficient

What a great and convenient financial system for my company. The fact that they added in house accounting and taxes with the help of an AI agent is a game changer.

Connect Passage

September 25, 2026

Verified

Ewriting its good

Kestutis

September 28, 2026

Verified

Keep on the good work

Shola S.

September 28, 2026

Verified

Thank you for your assistance Endri.

Ziad Khudir Shikh Al Hadadin

September 27, 2026

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.

Daniel

July 16, 2026

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.

Luiz Andrade

July 01, 2026

Verified

Quick response

Quick response, valuable skills.

Olaf Sprick

September 28, 2026

Verified

good helping only i dont have a phone…

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

God

September 13, 2026

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