Finom vs N26: a side-by-side comparison

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My contact person(s) have been quick in…

My contact person(s) have been quick in answering. They are cooperative and answer the questions to the point and they are competent. I am impressed. Thank you.

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Smooth and easy onboarding

The onboarding process was fast and straightforward. Opening a business account was easy, and I received a Dutch IBAN almost immediately. The interface is clean and user-friendly. My verification is still in progress, but so far the experience has been very positive. Looking forward to using Finom for my business.

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Very nice and easy to navigate,the…

Very nice and easy to navigate,the bookkeeping,the directions and the icons everything is very well done and easy Thanks

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sepa out limit exceeded

Jose of finom was able to provide me with correct information on why my monthly transfer limit had been exceeded and why charges applied to future transfers in the current time period. The information was provided to me in a timely and concise manner that I was able to confirm in the app.

Verified

Thank you so much

Thank you so much for your excellent support and follow-up. I received my French business account in less than 24 hours, which was truly impressive. Before choosing Finom, I spent six weeks waiting for a traditional French bank, only to have my application rejected. Their reason? My company is Belgian, even though it legally owns property in France and is officially registered there. Completely unacceptable in today's European Union. With Finom, the process was straightforward, fast, and entirely online. I already received my French IBAN and RIB within a day. I highly recommend Finom to any entrepreneur or company operating across European borders. An outstanding experience from start to finish!

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Quick assitance of my case

it is actually a positive experaince , Agent assistance , Ms. Elisa has has provided immediate assistance of my case. I’m really satisfied of assistance. So , technical team has solved the problem of notification by SMS , quickly , then Ms. Elisa has sent a notice by e-mail , accordingly.Yours Sincerely Antonio Rosanelli - CONSORZIO COMEDIS

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.

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.

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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

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I am new customer

I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .