Sign up today and get 3 free months on any business plan!

FAQ

• I got in on the free Solo plan offer. Does my free subscription end when the promotion does?

  No, not at all! When the promotion ends, it only means that from that date, new users won’t be able to join in this offer. You signed up before, so you’ll continue to enjoy the completely free Solo Plan for an indefinite period of time. This might change if we update our pricing for everyone, and don’t worry, we’ll give you a heads-up via email or in-app push notifications well in advance if that happens. So for now, enjoy the perks of having all the Solo Plan features at no cost!

• Increased cashback of up to 2-3% on «Start», «Premium», «Corporate»

  PROMO TERMS: This advertising offer is limited as stated in these Promo Terms and only available to the Eligible Customer with Eligible Subscription using Eligible Payment Services in the Promo Period. If the Eligible Subscription or the Eligible Payment Services is terminated for any reason before expiry of the Promo Period all the Promo Rewards become annulled and not subject to reimbursement in any form. This Promo is not guaranteed. This Promo is offered entirely at the sole discretion of Finom and can be revoked or changed any time. TERMS & CONDITIONS and Finom REWARDS under TERMS & CONDITIONS apply. Regardless of whether words are capitalised or not in these Promo Terms the TERMS & CONDITIONS apply to all the meanings, such as the «Subscription», «Payment Services», and others, and regulate the relations of the User and Finom. These Promo Terms always apply and override conflicting provisions between the Promo Terms and the TERMS & CONDITIONS. Eligible Customer: Finom User acting in professional, business capacity, whose business is registered in France with Eligible Subscription using Eligible Payment Services in a Promo Period. An Eligible Customer ceases to be «Eligible» immediately upon termination of the Eligible Subscription or the Eligible Payment Services. Eligible Subscription:subscription plans «Start» or «Premium» or «Corporate» in forms and compositions as they are offered during the Promo Period and in accordance with the TERMS & CONDITIONS Eligible Payment Services: Finom payment services provided under the TERMS & CONDITIONS as available in the Promo Period under the Eligible Subscription except for payment services involving money transfers to another banking account/payment card or ATM withdrawals. Finom: PNL Fintech B.V., the company registered at Jachthavenweg 109 H, 1081 KM Amsterdam, the Netherlands. Promo Rewards: Eligible Customer with Eligible Subscription using Eligible Payment Services in the Promo Period will receive temporarily increased cashback on all the payments made by the Eligible Customer when using its Finom Business payment card (Visa Debit) to pay for goods or services as follows:

  • "Start":2% cashback up to a maximum total Promo Reward of up to € 20 per month per one payment account
  • "Premium":3% cashback up to a maximum total Promo Reward of up to € 30 per month per one payment account
  • "Corporate":3% cashback up to a maximum total Promo Reward of up to € 50 per month per one payment account.

  NB: Money transfers to another banking account or payment card and ATM withdrawals will not incur cashbacks. Promo transferability: Offerings of this Promo are only available to the Eligible Customer and cannot be shared or transferred to any other person. TERMS & CONDITIONS: Terms & Conditions FRANCE as posted on Finom website and as amended from time to time.

• Do I have a local IBAN?

  Yes, you will! Finom has a license that allows customers to receive a French IBAN

• 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..

• Is my data safe with Finom?

  Finom protects your data and guarantees the highest level of security:

  • Finom does not have access to your online credentials, and they are double encypted (access security is also ensured via the use of a one-time password that is mandatory for every access attempt).
  • All data transfers are encrypted end-to-end via TLS encrypted channels. Moreover, Finom is GDPR compliant, meaning that you can disconnect your account at anytime and revoke your consent to the processing of your personal data whenever you want. We won’t store your data against your will or without your explicit consent.

• What licence does Finom use?

  PNL Fintech B.V. (Finom) is a cooperating partner of a tech company with a full German banking license Solaris SE (Germany) and an agent of a licensed electronic money institution Finom Payments B.V. (the Netherlands, Belgium, Spain, France, Italy, and other EEA countries). Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB), to operate in the European Union (EU) and the European Economic Area (EEA).

• Who are Finom’s investors?

  Finom has garnered trust and attracted interest from global investors such as Target Global (Omio, TravelPerk), General Catalyst (Airbnb, Kayak), FJ Labs (top angel investor according to Forbes), Avala Capital (Delivery Hero, Raisin, Billie), NorthZone (Spotify, Klarna), and Entrée Capital (180+ startups in SaaS, AI, Fintech, Security)

• 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.

• How can I withdraw funds from my account or make deposits into it?

  A Finom Business Account has all the main services of a traditional bank, such as making withdrawals from the account and depositing funds into it. You can use a SEPA transfer from your other bank account to deposit into an account. To withdraw, you can use your physical Finom card at any European ATM, free amount to withdraw per month depends on your chosen plan.

• Which legal forms does Finom support in France?

  Currently, we accept French companies with the following legal forms:

  • Profession libérale
  • Micro-enterprise (EI, EIRL)
  • Entreprise Individuelle à responsabilité limitée (EIRL)
  • Entreprise Individuelle (EI)
  • Association (any type)
  • Société Civile (SC)
  • Société en nom collectif (SNC)
  • Société par actions simplifiée (SAS)
  • Société par actions simplifiée unipersonnelle (SASU)
  • Société à responsabilité limitée (SARL)
  • Entreprise unipersonnelle à responsabilité limitée (EURL)
  • Société Civile Professionnelle (SCP)
  • Société exercice libéral (SEL)
  • Société anonyme (SA)

• Can I make only SEPA transfers, or are SWIFT payments also possible?

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

• What documents do I need to open an account?

  Whether you are a freelancer or a company, it will only take a few minutes to open your Finom business account.

  • If your company is based in France you will need:
    1. Your SIRET number
    2. KBIS (not older than 3 months) — according to French regulations. An extract from the commercial registry of France with a summary of the company. This can be obtained online.
    3. Les Statuts — Articles of Association: a document that forms the company’s constitution and defines the responsibilities of the directors, the kind of business to be undertaken and the means by which the shareholders exert control over the board of directors.
    4. Valid ID of the legal representative.
  • If you’re a freelancer:
    1. Your SIRET number
    2. Avis SIRENE
    3. Valid ID.

• Who is the legal representative?

  To open your Finom Business Account, you need to be the legal representative of your company. By legal representative, we mean a natural person authorized to act on the company’s behalf and authorized to perform all acts regarding general administration of the company and in accordance with its corporate purpose, for example, a CEO.