European SMEs are sitting on billions in idle cash. Finom is about to change that.
European SMEs are sitting on billions in idle cash. Finom is about to change that.
Finom launches the Interest Account - daily returns on business cash, no treasury team required.
Amsterdam, The Netherlands - March 12, 2026 – Finom, the integrated financial management platform for freelancers and SMEs in Europe, today officially launched the Interest Account: an embedded, fully MiFID-regulated feature that lets business customers earn daily returns on EUR balances.
As of today, eligible Finom Business customers can earn 5%** annualised interest on their EUR balances. This launch is the first MiFID-powered investment feature within the Finom ecosystem.
The problem it solves is structural and largely invisible
The ECB deposit facility rate currently sits at 2%. Yet typical eurozone banks credit small and medium business current accounts with a fraction of that -if anything at all-. Larger corporations have dedicated treasury teams to solve this, but SMEs and freelancers do not. The result is billions in working capital sitting idle across Europe, earning nothing, while business owners focus on running their companies.
"Most business banking features treat idle cash as an afterthought," said Andrew Petrov, CEO and co-founder of Finom. “Our Interest Account flips that. It is designed around how businesses actually operate: funds need to be accessible, returns need to be predictable, and the whole thing needs to work without extra effort on the owner's part.”
What sets it apart
Unlike term deposits or fixed-duration products, the Interest Account offers predictable returns while keeping funds available. Returns accrue daily and are credited automatically, with no lock-up period, so customers can access their funds at any time, with instant withdrawals. There are no setup or ongoing fees for eligible users.
The feature is powered by a partnership with Aksys Global Markets Europe Ltd (CySEC License No. 456/25), a fully licensed EU investment firm. Customer funds are invested in low-risk Money Market Funds (MMFs) under a complete MiFID-regulated structure.
"Whenever European SMEs have cash balances, those usually generate nothing while sitting in a current account," said Imad Assio, Executive Director at Aksys. “Through our partnership with Finom, we're making it straightforward for small businesses and freelancers to put their working capital to use within a regulated, low-risk structure and no special knowledge required.”
Availability and terms
The Interest Account is now available to Finom customers on Solo, Basic, Smart, Pro, and Grow plans across EEA markets. EUR balances are supported at launch. For newly registered users, all plans include access to the promotional rate of 5% annualised interest for the first five months, regardless of pricing tier (subject to plan-based deposit caps). Higher-tier plans unlock greater value through elevated deposit caps.
** Rate disclosure: The 5% annualized interest rate applies to EUR funds placed in Finom’s Interest Account and is available to new customers for a period of 5 months, subject to plan-based deposit caps. The Interest Account is provided by Aksys Global Markets Europe Ltd (CySEC License No. 456/25) and requires a Finom Payments Account with Finom Payments B.V. Full terms and conditions are available at https://finom.co/en-fr/interest-wallet
About Finom
Finom is a digital financial services platform designed for the unique needs of entrepreneurs and SMEs across Europe, and an official Visa card partner. Finom offers a comprehensive set of financial tools that enable business owners to quickly open an account and efficiently manage their finances. The platform simplifies online financial management, payments, invoicing, and expense tracking. Dedicated to supporting entrepreneurs’ growth and competitiveness, Finom provides innovative financial solutions and holds an EMI license operational across Europe. Headquartered in the Netherlands, the company has a strong presence with offices throughout Europe. To learn more about Finom, visit https://Finom.co
