A fast and fully online business account for Partita IVA

How long does it take to open a business account for Partita IVA with Finom?

Opening an account with Finom is a simple, fast, and fully online process.

In most cases, the account is activated within 24 hours. For freelancers and sole proprietorships that require fewer documents, the process may take less than an hour thanks to automatic verification.

Timing may vary if some details are incomplete or manual checks are required, but for most clients, the procedure is completed very quickly.

What are the best business accounts for Partita IVA offered by Finom, depending on the legal form?

Finom provides business accounts with an Italian IBAN for most legal entities recognized in Italy. Depending on your business type, you can choose:

• Freelancers or sole proprietorships → Solo plan (€0 per month): designed for self-employed professionals with lower transaction volumes.
• Small companies (S.r.l.s. — Simplified Limited Liability Companies, S.r.l. — Limited Liability Companies, S.n.c. — General Partnerships, S.a.s. — Limited Partnerships, etc.) → Basic plan (from €17 per month with annual billing): free SEPA transfers up to €25,000 and up to 2 users included.
• Growing companies or structured SMEs → Smart plan (€37 per month with annual billing): unlimited users, up to 3% cashback, 3 physical and 10 virtual cards per user.
• Teams and businesses looking to scale → Pro or Grow plans: extended multi-user access, an Account Manager (team or dedicated), and advanced treasury and accounting features.

All plans can be opened online in about 24 hours and include an Italian IBAN, physical and virtual cards, electronic invoicing, and accounting integrations.

Can F24 tax payments be made through a business account for Partita IVA with Finom?

Yes, with a Finom business account and an Italian IBAN, you can handle tax and social security payments, including F24 forms.

The platform is connected to the Italian Revenue Agency’s telematic system, allowing payments to be made directly online without external intermediaries. This means you can pay taxes, INPS contributions, and other charges quickly and securely.

What is included in a Finom business account for Partita IVA?

All Finom accounts with an Italian IBAN include the essential tools to manage Partita IVA activity. Key features include:

• Italian “IT” IBAN activated within about 24 hours; opened 100% online.
• Outgoing SEPA transfers: free within the plan limits — up to €2,500 for Solo and unlimited with Grow.
• International payments in 17 currencies and 180 countries, with a flat fee plus a variable rate depending on the plan.
• Free physical and virtual cards, varying by plan (with up to 3% cashback in Smart).
• Integrated electronic invoicing (XML e-invoice generation and sending, and automatic reconciliation).
• Accounting integrations with more than 30 software packages (Sage, Odoo, etc.).
• Multi-user access and expense management with dedicated logins for team members or accountants.
• 30-day free trial for Basic and Smart plans.

In short, with a single Finom account, you can manage payments, cards, invoicing, and accounting — all from one platform.

Does Finom also help with invoice payments and accounting?

Yes. In addition to being a business account with an Italian IBAN, Finom includes tools that simplify the daily management of a Partita IVA:

• Invoice and utility payments: you can record, manage, and pay incoming invoices directly from the platform, with free SEPA transfers and support for international payments.
• Electronic invoicing: create and send XML e-invoices compliant with Italian regulations, with automatic reconciliation of bank transactions.
• Smart accounting: Finom connects to more than 30 accounting software solutions and allows accountants to access the system through a dedicated profile.
• Expense management: real-time dashboard, custom categories, and digital receipts to track every transaction.

In this way, Finom becomes more than just a business account — it’s a practical tool that supports invoicing and accounting for Partita IVA.

How secure is a business account for Partita IVA with Finom?

The security of funds is an absolute priority for Finom. For this reason, multiple protection layers are in place:

1. Segregated funds: customer money is held by an independent Safeguarding Foundation supervised by De Nederlandsche Bank (DNB), the Central Bank of the Netherlands. Funds are legally separated from Finom’s own assets and cannot be accessed by creditors.
2. Top-tier banking partners: the Foundation deposits funds with solid European institutions such as BNP Paribas. Even in the unlikely event of the insolvency of Finom or its partner bank, funds remain protected and are returned under DNB supervision.
3. 100% protection: the typical €100,000 cap of the Italian Interbank Deposit Protection Fund (Fondo Interbancario di Tutela dei Depositi) does not apply. Finom uses a safeguarding regime that covers 100% of balances, with no upper limit.
4. Advanced technical security: passkey and 3D Secure authentication, EU-based GDPR-compliant servers, and AML/KYC controls (anti-money laundering and Know Your Customer) ensure full protection against fraud and unauthorized access.