A one-stop Business Account for freelancers

Finom is a European fintech company built for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe. We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we combined all these different financial services, such as accounting, financial management, and a business account, into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy our features’ advantages via our mobile and web apps.

Founded in the Netherlands in 2019 by a group of experienced fintech entrepreneurs, Finom entered Europe’s market as the smartest and fastest e-invoicing solution. Now Finom is a trusted financial platform with approximately €1 billion in monthly transactions and serves thousands of entrepreneurs from France, Germany, the Netherlands, Belgium, Italy, Spain, and Poland daily.

At Finom, we are setting new standards for doing business, demonstrating how finances can and should be managed in the modern world – as easily as using your smartphone. With us, you can track your expenses and income and categorize your movement to know where and how you spend. We provide bank account aggregation so you can monitor all your flows in one place. You will have your IBAN, physical and virtual cards loaded with cashback and the chance to manage your invoices, matching them with transactions.

Finom’s customers include over 200,000 freelancers, self-employed, startups, and small to medium-sized companies from all across Europe.

Finom protects your data and guarantees the highest level of security: Finom has no access to your online banking credentials, and they are double-encrypted (for additional protection) using passkeys or a one-time password that must be entered each time you try to log in). All data transfers are transmitted over TLS-encrypted channels and are thereby protected via end-to-end encryption. We do not store your personal data against your will or without your explicit consent. Finom is GDPR (DSGVO for Germany and RGPD for France) compliant, which means that you can revoke your consent to the processing of your personal data at any time. Finom Privacy Policy regulates the processing of your personal data.

Finom is a fintech company and NOT a bank. Finom allows you to access some services associated with traditional banking, such as payments, withdrawals, and cards, but in the fastest and smartest way. With Finom, you can set up a business account in a few seconds, check your balance on the go, get cashback of up to 3%, create and send invoices, rely on real-time customer support, delegate tasks to team members, monitor your expenses and incomes, and have them categorized according to your habits.

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).

Whether you are a freelancer or own a company, opening your Finom business account only takes a few minutes. You will only need three things for it:

• The email address and password you used for the pre-registration (if you forgot them, click ‘forgot password’)
• Your ID or passport ready to verify your identity
• All the information about your business

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.

To open your Finom business account, you must be your company’s legal representative. A legal representative is a natural person who is authorized to act on behalf of the company and is empowered to perform all actions related to the general administration of the company under the company’s purpose, such as a CEO.

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.

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

Of course! Our customer care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won’t be a barrier when you need assistance.

Finom users can rely on fast and prompt Customer Care support that replies and solves all your questions, concerns, and difficulties in a few minutes, in your language. You can reach us via a live chat in the mobile application and the web version or by email during office hours.