How can we help you?

  • As a US citizen, can I open an account for my business operating in the EU, and is FATCA compliance required?

    Yes, US citizens are eligible to open a Finom business account for their enterprises established in the EU. Unlike traditional banks, Finom, as a licensed electronic money institution authorized to operate in the European Union (EU) and the European Economic Area (EEA), doesn’t require FATCA (Foreign Account Tax Compliance Act) compliance for opening accounts. We strive to provide financial services to all individuals legally running their businesses in the EU, ensuring compliance with relevant regulations governing our operations. Therefore, US citizens can confidently engage with our platform without needing FATCA documentation.

  • Is there a limit on free cards I can issue?

    You can have unlimited virtual and up to 3 physical VISA cards per user. All these cards are free and score the exact % of cashback according to your chosen plan. Additional physical cards beyond this limit are available only in case of loss (physical), expiration, or blocking. In these situations, you can request replacements that will be totally free of charge.

  • Is it easy to open a business account with Finom?

    Yes! You can do it all online in under 15 minutes. Sign up with your email, provide your company details, pass a quick verification, complete the application, and install our app. Once your account is verified (usually in 1-3 business days), you’ll have immediate access to an Italian IBAN, up to 3% cashback, and all other features.

  • 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.

  • 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.

  • Referral rewards program

    Finom rewards you and your friends for staying with us!

    Thanks to our referral program, you have the chance to earn 5 € as well as gifting your friend 3 months free on the Start plan. 

    Also, what you and your friends can get:

    YOU get:

    - 5 € for each friend who joins Finom via your invitation link and opens a payment business account

    - 5€ for every friend who joins Finom using your invite link, opens an Invoicing Account and subscribes to the “Invoicing only” Start Plan 


    - 3 months free on the business account Start plan or 3 months free on another business account plan or 3 months free on the Invoicing Start plan.

    This is how it works:

    • Copy your personal link from the referral page:
    • Share it with all your friends, family and partners (there's no limit)
    • Receive rewards for each friend who successfully completed the Referral rewards program requirements

    Remember: You will receive your reward only if your referral successfully opens either a Finom business account or activates an invoicing plan.

    The more friends you invite to open an account, the more money you could possibly earn!

    Monitor your referral activity by clicking on 'Invite friends' button at the top of the dashboard. There is a detailed chart at the bottom of the page to provide visibility on total number of referrals invited and rewards earned.
    You can redeem your reward by transferring it to your Finom business account once it has been opened. Just click on the 'Get my reward' button, and spend it however you want!

    By sharing the referral link, you're accepting Finom Rewards Rules.

  • 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.

  • 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.

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