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A one-stop Business Account for freelancers

Streamline daily financial tasks with Finom’s Business Account. Pay globally, invoice, and control incomes, all in one place. Simplify and save while focusing on what you do best.
Open account

  • European IBAN

    Account opened online in 24 hours

  • € 0 per month

    Start with fully functional free Solo plan

  • Up to 3% cashback

    Spend anywhere and receive the highest rebate on the market

  • International

    All around the globe 17 currencies and 150 countries

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

  • Discover our exceptional exchange rates: Interbank + 0,5%

  • Send and receive funds with a fixed fee of €5

  • Store money with no commission in any of the 17 currencies available

  • Expect up to 75% of global transactions to come within the same day

Open account

Expense Management

Get personal and team expenses in control and keep your books tidy

  • Issue, top-up or limit cards for employees in clicks

  • Get employees' receipts uploaded with just a camera tap

  • Bulk export of documents and transactions data

Open account

Meet our 200,000+ customers

Read real, authentic reviews
Verified

My contact person(s) have been quick in…

My contact person(s) have been quick in answering. They are cooperative and answer the questions to the point and they are competent. I am impressed. Thank you.

Seshu Bhagavathula

02 July 2026

Verified

Smooth and easy onboarding

The onboarding process was fast and straightforward. Opening a business account was easy, and I received a Dutch IBAN almost immediately. The interface is clean and user-friendly. My verification is still in progress, but so far the experience has been very positive. Looking forward to using Finom for my business.

Dhr. Heesakkers

01 July 2026

Verified

Very nice and easy to navigate,the…

Very nice and easy to navigate,the bookkeeping,the directions and the icons everything is very well done and easy Thanks

Queen Atud

01 July 2026

Verified

sepa out limit exceeded

Jose of finom was able to provide me with correct information on why my monthly transfer limit had been exceeded and why charges applied to future transfers in the current time period. The information was provided to me in a timely and concise manner that I was able to confirm in the app.

DSGVO

30 June 2026

Verified

Thank you so much

Thank you so much for your excellent support and follow-up. I received my French business account in less than 24 hours, which was truly impressive. Before choosing Finom, I spent six weeks waiting for a traditional French bank, only to have my application rejected. Their reason? My company is Belgian, even though it legally owns property in France and is officially registered there. Completely unacceptable in today's European Union. With Finom, the process was straightforward, fast, and entirely online. I already received my French IBAN and RIB within a day. I highly recommend Finom to any entrepreneur or company operating across European borders. An outstanding experience from start to finish!

Laurence

26 June 2026

Verified

Quick assitance of my case

it is actually a positive experaince , Agent assistance , Ms. Elisa has has provided immediate assistance of my case. I’m really satisfied of assistance. So , technical team has solved the problem of notification by SMS , quickly , then Ms. Elisa has sent a notice by e-mail , accordingly.Yours Sincerely Antonio Rosanelli - CONSORZIO COMEDIS

Antonio Rosanelli

24 June 2026

Verified

I’ve very positive experience - highly recommended had a very positive experience…

I've had a very positive experience with Finom so far. The interface is intuitive, the bookkeeping features save me a lot of time, and the overall platform makes managing my business finances much easier on a daily basis. One area that could be improved is the MCC fees, as they can add up over time. On the other hand, the cashback program is a nice benefit and helps offset some of those costs. I'd also love to see Finom offer a proper credit line or other financing options for small entrepreneurs, credit that makes positive impact. Access to flexible funding would make it easier for businesses in the early stages to grow. Overall, I'm very happy with the service and would recommend it to other small business owners looking for a modern and easy-to-use business banking solution. Thanks a lot for your services.

Luiz Andrade

01 July 2026

Verified

Advertised 5% – got 0.75% instead

I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.

Daniel Tridico

17 April 2026

Verified

It's easy open the account end register…

It's easy open the account end register all the documents. It need time for all the notar document. Good

Paolo

13 April 2026

Verified

I am new customer

I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .

Uday Kant

30 March 2026

Rated 4.7 / 5 based on 13,959 reviews. Showing our latest reviews.

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.
You save € 360

Pro

For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits

You save € 1,080

Grow

For small to medium-sized businesses scaling at speed. Our most comprehensive package with concierge-level support and full customization

excl. VAT

€ 149 / month€ 119 / monthApply now

excl. VAT

€ 339 / month€ 249 / monthApply now

Business account

Business account

Users included

Users included

Cashback

unlimited cashback up to 0,5 %

Cashback

unlimited cashback up to 1 %

AI Assistant

AI Assistant

Chat support

Up to 3 minutes

Chat support

Up to 3 minutes

Account Manager

Account Management Team

Account Manager

Dedicated Account Manager

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

Free outgoing SEPA transfers

Free VISA physical cards per user

3

Free VISA physical cards per user

3

Free VISA virtual cards per user

Free VISA virtual cards per user

Outgoing international payments

0.20%

Outgoing international payments

0%

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Custom

Customize your plan and unlock exclusive benefits with Finom:

  • Set personalized limits

  • Tailor your international payments

  • Enjoy the highest cashback rates

  • Handle unpredictable inquiries with ease

Apply now
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Security is our top priority

security-label

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

    gdpr

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

    banks

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

    dnb

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

    3d-secure
Learn more

Customer support, providing real-time care

Help is just a click away

Interactive Help Center available 24 hours

24/7

Fast response time

Contact us on e-mail: hello@finom.co

FAQ

  • What is Finom?

    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.

  • When did the project start?

    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.

  • How does Finom differ from competitors?

    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.

  • How many customers does Finom have?

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

  • Is my data safe with Finom?

    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.

  • How does a Finom business account differ from a traditional bank account?

    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.

  • Under which license does Finom operate?

    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).

  • What documents do I need to open an account?

    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

  • 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.

  • Who is the legal representative?

    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.

  • 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.

  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?

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

  • Does your support team speak my language?

    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.

  • If I need help, can I talk to someone?

    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.