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

• "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.

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

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.

• 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.

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.

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).

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)

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.

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.

• 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)

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

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.

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.