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Finom Launches Metal: the Premium Business Card Built to Pay for Itself

Finom Launches Metal: the Premium Business Card Built to Pay for Itself

Most premium business cards sell status. Finom’s new Metal card is built to return more than it costs: 1.2% cashback on business spend (up to €5,000/month) and no added Finom markups on up to €100,000/month of non-EUR card spend.

Amsterdam, 18 June 2026 - Finom, the European financial platform for SMEs and entrepreneurs serving 200,000+ businesses, today launches Metal, its first premium business card: a Visa debit add-on built to return more than it costs. Metal is available from €29.99 per month and is included at no extra cost on the Grow plan.

Two costs that climb as you scale

As small businesses grow, two costs grow with them: foreign-exchange markups on what they spend abroad, and a swelling stack of software and subscriptions for AI tools. Both are climbing fast: business spend of 2+ AI-tool subscriptions has increased more than 98% in less than a year. 60% of this spend alone is attributed to Claude subscriptions. [Finom internal data - period 11/2025 - 6/2026].

FX is the other leak: markups on card spend abroad can reach as much as 5%* on top of the exchange rate, and with the summer travel season here, that cost lands on every flight, hotel and client dinner booked in another currency. 

Metal is built to hand both back, rewarding everyday business spend and removing Finom’s own markups on card payments in other currencies.

“Premium business cards have sold status for a decade. We built Metal to sell payback,” said Kristjan Kaar, Chief Product Officer at Finom. “For a business spending at scale across currencies, the case isn’t the metal, it’s the math: cashback on what you spend, and no added Finom markups on what you spend abroad.”

What Metal includes

  • 1.2% cashback on business spend, up to a €5,000/month payout. This is Finom’s highest cashback rate.
  • No added Finom markups on non-EUR card spend, up to €100,000/month (out-of-hours conditions apply).
  • One airport-lounge visit, two fast-track passes and two eSIMs (1GB each) every month.
  • The first month of leading AI tools (including ChatGPT, Claude, Perplexity and Cursor) refunded when paid with Metal (new subscribers only; within the monthly cashback cap).
  • An 18-gram metal Visa debit card with express delivery.

Built around the math, not the metal

The premium-card category is full of trade-offs. Some cards waive FX markups but pay little or no cashback; others reward spend but charge to convert currency; metal cards aimed at individuals tend to carry lower business rewards**. Finom built Metal to do both at once: 1.2% cashback (up to €5,000/month) alongside up to €100,000/month of markup-free non-EUR card spend.

Pricing and availability

Metal is a €29.99/month add-on for Finom’s Pro and Grow customers, with one Metal card included at no additional charge on the Grow plan. It is available across all European markets. Customers on Solo, Basic and Smart plans can become eligible by upgrading.

“SMEs are spending more on AI tool subscriptions and cross-border transactions than ever before,” said Ivan Kolykhalov, Product Manager - Cards at Finom. “Metal turns these line items down while rewarding the everyday spend that keeps a business running.”

What’s next

Metal is the first step in Finom’s premium-card roadmap, with further benefits and market-specific features to follow. 

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