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Finom rewards you and your friends for staying with us!

This page stipulates the current Referral Rewards Program and prevails over Reward Rules to the extent as stated on this page. In non-conflicting provisions, Reward Rules apply.

You’ll get 50 € for every friend registered as a legal entity (company) or 5 € for every friend being a freelancer who will join Finom using your referral link and open a Business Account with Finom. If your friend will only enroll into the Invoicing Start plan you will get 5 €. 

Your friends will get 3 months free on the Start or Premium plan, or on the Invoicing Start plan.

Finom Terms & Conditions and Reward Rules apply.

This is how it works:

- Your friends, who operate as a business, can use the personal link you shared to open their Business or Invoicing Account right now!

- Copy the link from your referral page

- Share it with all your friends, family, and partners (there's no limit)

Remember: Your friends must meet the eligibility requirements of Finom.

You will receive your reward when the friend you invited completes both steps: 1) successfully opens a Business Account using your unique referral code; 2) makes a single transaction of €50 or more using a physical or virtual card.

The more friends you invite, the more money you could possibly earn!

Monitor your referral activity by clicking on the 'Invite friends' button at the top of the dashboard. There is a detailed chart at the bottom of the page to provide visibility on the 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!

If you're on an Invoicing Start plan (so you do have a Finom Business Account) we'll apply the credit of reward towards your subscription fee.

We reserve the right to modify the promotion terms at any time. Any changes will be reflected on this page, and the rules outlined here shall take precedence over all other communications.

By sharing the referral link, you accept Finom Terms & Conditions and Reward Rules.

Currently, we accept Italian companies with the following legal forms:

Ditta Individuale
Libero professionista
Società in nome collettivo (SNC)
Società Semplice (SS)
Società a responsabilità limitata (SRL)
Società consortile a responsabilità limitata (SCARL)
Società a responsabilità limitata semplice (SRLS)
Società europea (SE)
Società in accomandita per azioni (SAPA)
Società in accomandita semplice (SAS)
Società per azioni (SPA)
Società Consortile per Azioni (SCPA)

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.

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.

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.

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.

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.

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.

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