A Smart and 100% Online Business Account for S.r.l. (Limited Liability Companies)

What’s the best S.r.l. business account offered by Finom?

The best Finom business account for S.r.l. depends on the needs of your organization. All plans include free activation and an Italian IBAN active within 24 hours.

• Solo – Free (€0/month), designed for freelancers and sole traders: free outgoing SEPA transfers up to €2,500; includes electronic invoicing and one virtual card per user.
• Basic – €21/month excl. VAT (€17 if billed annually): free SEPA transfers up to €25,000, up to two users, one physical and three virtual cards per user included.
• Smart – €45/month excl. VAT (€37 if billed annually): free SEPA transfers up to €50,000, unlimited users, up to 3% cashback (capped at €30), three physical and ten virtual cards per user, plus advanced collaboration tools.
• Pro – €149/month excl. VAT (€119 if billed annually): free outgoing SEPA transfers up to €100,000, extended multi-user access, dedicated Account Manager team, and advanced features.
• Grow – €339/month excl. VAT (€249 if billed annually): unlimited free outgoing SEPA transfers, a dedicated Account Manager, and a complete, customizable solution for large enterprises.

Electronic invoicing and other basic services are either included or subject to transparent fees shown in the official price list.

What does a Finom business account for S.r.l. include?

A Finom business account for S.r.l. offers a full range of features designed for corporate needs:

• Italian IBAN activated quickly, with physical and virtual cards and up to 3% cashback.
• International payments in 17 currencies to over 180 countries.
• Automated invoicing and integrated tools that speed up payments by up to 20%.
• Accounting integration and digital document archiving for automated bookkeeping and smoother operations.

How long does approval take for a Finom business account for S.r.l.?

Here’s how long it takes to open a Finom business account for an S.r.l.:

• Initial registration: it takes around 15 minutes to upload the required documents.
• After submission: data review can take between 24 and 72 hours on average — but often, approval arrives within an hour.

What are the operational and transfer limits for Finom business accounts for S.r.l.?

Operational and transfer limits for Finom business accounts (Solo, Basic, Smart, Grow, Pro plans) include:

Outgoing SEPA transfers and direct debits:

• Solo plan: all outgoing SEPA transfers up to €2,500 are free.
• Basic, Smart, Pro, and Grow plans: higher SEPA limits.

Card payments and withdrawals:

• Monthly card payment limit: up to €100,000.
• Monthly ATM withdrawal limits vary by plan: €500 for Solo, up to €5,000 for higher plans.

International payments (incoming and outgoing):

• Flat €5 fee per transaction.
• A small percentage fee applies for outgoing international payments.

Why is opening an online business account better than a traditional one for S.r.l.?

Opening an online business account for an S.r.l. with Finom offers key advantages:

• Fast onboarding: open and verify your account within hours — no branch visits required.
• Lower costs: lower monthly fees and transparent pricing compared to traditional banks.
• Instant operations: Italian IBAN activated quickly, virtual cards available immediately.
• Digital tools included: e-invoicing, team expense management, and accounting software integration.
• Up to 3% cashback on business payments.

Does Finom offer a mobile app and online banking for managing S.r.l. business accounts?

Yes, Finom provides both a mobile app and a complete online banking platform to manage your S.r.l. account:

• Mobile app (iOS and Android): open an account, make SEPA transfers or direct debits, receive payments, create sub-accounts (wallets) with dedicated IBANs, issue physical or virtual cards, manage card limits, match invoices with transactions, invite team members, assign permissions, search and filter transactions, label payments, and use Apple Pay.
• Online banking dashboard: full access via desktop or mobile to view balances, transactions, and supplier contacts. You can also connect other bank accounts, send invoices, manage expenses and payments, and handle accounting integrations.

Does the S.r.l. business account support foreign clients and currency transfers?

Yes, Finom’s business account for S.r.l. supports international payments in 17 currencies to more than 180 countries.

Fees:

• Fixed €5 charge per incoming or outgoing transaction.
• Variable fee by plan: 1% on Solo, 0.5% on Basic, 0.4% on Smart, 0.2% on Pro, and 0.1% on Grow.

Can multiple users (e.g., directors, accountants) access a Finom S.r.l. business account?

Yes, Finom allows you to add multiple users to an S.r.l. business account and assign them different roles and permissions.

The number of users depends on your plan: Basic plans include up to 2 users, while higher plans allow unlimited users.

In all cases, you can invite team members — such as administrators, partners, or an accountant — and manage their access rights directly from your dashboard.

What security guarantees does Finom offer for online S.r.l. business accounts?

Finom ensures high security standards for S.r.l. business accounts, with multiple advanced protections:

• Unlimited safeguarded funds: your money is held in an independent Safeguarding Foundation supervised by the Dutch Central Bank (DNB), fully separated from Finom’s corporate assets.
• Secure access: Passkey login (password-free digital keys), 3D Secure, Strong Customer Authentication, and biometric access (fingerprint or facial recognition).
• Granular access control: you decide which employees can access specific funds or accounts.
• Real-time alerts: push notifications for suspicious activity and instant card blocking in case of loss.
• Regular cybersecurity audits: performed by independent experts.
• GDPR compliance: servers located in the EU under strict privacy regulations.
• Trusted partners: funds are safeguarded through a partnership with BNP Paribas to minimize associated risks.

Can non-residents open a Finom business account for an S.r.l.? What documents are required?

Yes, non-residents can open a Finom business account for an S.r.l., provided the legal representative completes the identity verification.

The following documents are required:

• Valid ID document: passport, ID card, or driver’s license.
• Residence permit (if applicable) issued by an EU country (e.g., the Netherlands, Cyprus, Belgium, Spain, Portugal, Latvia, Austria, Malta, Ireland, or France).
• Company documents: deed of incorporation, articles of association, and a current Chamber of Commerce extract.

Finom is a regulated electronic money institution within the EU, meaning your funds are fully protected, and the onboarding process is accessible even for non-residents.

Which accounting solutions integrate with Finom business accounts for S.r.l.?

Finom business accounts for S.r.l. integrate seamlessly with a wide range of accounting and financial automation software packages. The main integrations include:

• Sage, NetSuite, Odoo – for invoicing, bank reconciliation, financial reporting, and tax management.
• FreshBooks – ideal for invoicing and expense tracking for small businesses and freelancers.
• Zapier – connect Finom to over 3,000 different apps, automating custom workflows.

Finom also supports integrations with other popular European accounting tools, including Lexoffice, DATEV Online, sevDesk, FastBill, Sorted, and many more.

All integrations are available free of charge to all Finom users, regardless of plan.

Does the Finom business account for S.r.l. support F24 tax form payments?

Yes, with Finom’s business account for S.r.l., you can pay taxes using the F24 form (Ordinary and Excise) directly from your online banking, either on the web or mobile app.

Just fill in the required details, save a draft if needed, and confirm — the receipt is automatically stored in your account. The service is included at no extra cost.