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Finom vs N26: a side-by-side comparison

Choosing the right provider for your business isn't easy. Let's take a look at why Finom might be a better choice in terms of cashback, card options, and pricing.
Open free business account

Finom: we have it all and more

Finom
N26
Finom
N26

Prices

from € 0

for solo proprietors, freelancers, and self-employed

from € 9

with an annual payment for companies

Standard - € 0
Smart - € 4,90
Go - € 9,90
Metal - € 16,90

Italian IBAN

Cashback

Up to 3%

Up to 0.5%

Free physical cards

Solo - 0
Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited

Up to 3 free cards can be issued per user

Standard - 0
Smart - 1
Go - 1
Metal - 1

Free virtual cards

Unlimited number of FREE cards can be issued per user on any plan

Standard - 1
Smart - 1
You - 1
Metal - 1

Monthly card payment limit

€ 200,000 per card
€ 20,000

Cash withdrawal

Up to € 5,000 per month per card

€ 1,000 per day per card 
€ 2,500 per week per card

Apple Pay / Google Pay

Cards for team members

Free

Free SEPA & Direct Debit transfers (per month)

Free transfers between Finom users;
SEPA transfers*;
Direct Debit transfers*;
SEPA Instant transfers;
Payments to 150 countries in 17 currencies.

*Free monthly volume depends on the chosen plan.

Free transfers between N26 users;
SEPA Instant transfers.

Smart built-in invoicing

Free

Supported legal forms

Freelancers, sole proprietors, self-employed, GmbH, OHG, GbR, AG, KG, KGaA, PartG, UG, eK, eG, GmbH & Co. KG, Gmbh iG, UG iG, companies under registration.
Freelancers, sole proprietors, and self-employed only.

Sign up now and have it all set within 24 hours!

Open free business account

Here’s why

  • Top-notch solution Business account opened from the comfort of your couch in 2 days. Free cards, state-of-the-art invoicing, payments all around the globe, and more;

  • Never overpay We’re fully digital – no costs on branches. Ever seen our billboards and TV ads? No, we don’t spend on it;

  • Never walk alone Our lightning-fast phone, video or chat customer support assists you at every step of the way.

Why choose Finom for business?

  • Free business account

    Open a fully functional business account with invoicing for as much as €0

  • Up to 3% cashback

    Use your VISA cards and score cashback that pays the subscription off

  • Invoicing

    Create and send smart invoices in 60 seconds and get paid 20%+ faster

  • 5% p.a. Interest Account

    Get a fixed rate for your first 5 months with no lock-ins

Open account

1-month free trial available

Customers love Finom

Meet our 200,000+ customers

Read real, authentic reviews
Verified

Excellent service and outstanding…

Excellent service and outstanding personal support I have had a very positive experience with Finom overall, but I would especially like to highlight the excellent support I receive from Mr. Mantia. What I particularly appreciate is his personal approach and the way he accompanies and supports our account. Whenever I have a question or need assistance, I feel that there is a real person who understands the situation, takes ownership, and genuinely tries to find the best solution. His communication is always professional, friendly, and efficient. For a business client, this level of personal attention makes a real difference. Good technology and competitive banking services are important, but having someone reliable on the other side is equally valuable. Overall, I am very satisfied with Finom and its service, and Mr. Mantia is definitely one of the main reasons for this positive experience. Thank you for the excellent support!

FN Fusion

August 28, 2026

Verified

I'm extremely satisfied with Finom

I'm extremely satisfied with Finom - professional, fast, and reliable. Excellent financial service and truly great customer service.

Dano

August 27, 2026

Verified

Swift, Professional Support from Julita

Julita handled the request with impressive speed, clarity, and professionalism, making the entire resolution effortless.

Marike Pringle

August 26, 2026

Verified

It’s the best app I have ever used for…

It’s the best app I have ever used for my business transactions. I am so happy and delighted.

Devendra Dinkar Ghadage

August 30, 2026

Verified

So nice life.

So nice life.

Tiago Miguel

August 30, 2026

Verified

Good service

Good service

Mohammad Qumrul Arfin

August 30, 2026

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

July 16, 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

July 01, 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

April 17, 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

April 13, 2026

Rated 4.8 / 5 based on 15,048 reviews. Showing our latest reviews.

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
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