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No. 1 business account with e-invoicing

Italian IBAN within 24h, cards with cashback up to 3%, international payments to 150+ countries. All online in one mobile app for entrepreneurs.

Open account

  • Italian IBAN

    Account opened online in 24 hours

  • Up to 3% cashback

    Spend anywhere and receive the highest cashback on the market

  • Reconciliation

    Easily match invoices and transactions

  • Convenient mobile app

    Control your money 24/7 and on the go

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Get one month of our Smart Plan for €0

Sign up today and enjoy it for free

  • Users included:unlimited

  • Wallets included:3

  • ATM withdrawal limit:€ 2 000

  • Card payment limit:€ 100 000

  • Virtual cards included:unlimited

  • Physical cards included:up to 3 per user

  • In/Out SEPA and Direct debit transfers:unlimited

Open account

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

  • Discover our exceptional exchange rates: Interbank + 0,5%

  • Send and receive funds with a fixed fee of €5

  • Store money with no commission in any of the 17 currencies available

  • Expect up to 75% of global transactions to come within the same day

Learn moreOpen account

Business account and e-invoicing, combined

Why compromise when you can have it all - convenient, easy, and intuitive? Enjoy the perfect integration of a business account and invoicing tools

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Send invoices right from your account
Seamlessly match invoices and incoming transactions
Enjoy faster payments directly into your business account
Access all your financial records in one secure location

Pay your taxes and social contributions easily

Effortlessly manage your F24, MAV/RAV, and PagoPA payments

  • F24 Ordinario/Accise

    Paying taxes has never been easier – the form is clear and convenient

  • PagoPA

    Coming soon

    Pay taxes and fees quickly and hassle-free

  • MAV/RAV

    Coming soon

    Enter the data from the payment slip and send money in seconds

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission for you and your team

  • ATM withdrawal limit up to € 5 000 per card

  • Issue, limit, top up or block with just a clickNew

  • Apple Pay & Google Pay

  • Special offers from our partners

Learn more

Are you a professional in flatrate regime?

If you are a freelancer or professional in flatrate regime and have annual gains above 25,000 €, you must adopt e-⁠invoicing for your business. At Finom, we make sure that you’ve followed the directive. Focus more on business and we do the rest.

Bookkeeping and expenses – manage like a boss

Optimize finances – transactions being automapped with invoices and receipts in accounting ready data

Store documents in Finom to simplify paperwork

Be it receipt, invoice or any other important document – collect it in Finom secure storage in several clicks

Digitalize documents

Extract data from receipt or any other document with auto-recognition feature

Categorize expenses

Track and categorize expenses online. Control where you spend more and reduce costs month-by-month

Manage your taxes by yourself or reduce paid hours of your accountant!

Auto integration of invoicing with Finom API in any e-store, CRM, or ERP

Function of uploading all documents and transactions

Meet our 100,000+ customers

Read real, authentic reviews

Alexander

Ergonomic platform, very clear to create your company.

Maria

Everything is well thought out and super simple to use. I highly recommend Finom, especially if you're just starting out.

Peter

Responsiveness, ease of use, prices lower than the market. It's great to have a tool like this available for a small business.

Christina

Finom is 10 times better and more modern than comparable platforms, the price is very reasonable. I've never experienced such a smooth integration process when opening an account.

Philip

Opening an account is easy. We stay constantly informed of account access and activity, with 2-factor authentication. I'm really satisfied with the service!

Anna

Everything is clear, with no hidden costs, and with a great team on hand to do everything they can to support you! The app is very user-friendly with lots of possibilities.

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers who need simple, essential features

You save € 48

Basic

For individual entrepreneurs and companies looking to scale their business

You save € 96

Smart

Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations

€ 0 / month€ 0 / monthOpen account

excl. VAT

€ 21 / month€ 17 / monthStart trial

excl. VAT

€ 45 / month€ 37 / monthStart trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

Cashback

0 %

Cashback

1 %

Cashback

3 %

AI Assistant 

AI Assistant 

AI Assistant 

Chat support

Up to 1 business day

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Account Manager

Account Manager

Account Manager

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

€ 2.500

Free outgoing SEPA transfers

€ 25.000

Free outgoing SEPA transfers

€ 50.000

Free VISA physical cards per user 

0

Free VISA physical cards per user 

1

Free VISA physical cards per user 

3

Free VISA virtual cards per user 

1

Free VISA virtual cards per user 

3

Free VISA virtual cards per user 

10

Outgoing international payments

1 %

Outgoing international payments

0.50 %

Outgoing international payments

0.40 %

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

Compare plans

All-in-one Business Platform

Plans

Solo

€ 0 / month€ 0 / monthOpen account

Save € 48

Basic

excl. VAT€ 21 / month€ 17 / monthStart trial

Save € 96

Smart

excl. VAT€ 45 / month€ 37 / monthStart trial

Business Account

Personal IBAN (unique account number for global transfers)

Multiaccounts

Cashback

0 %

1 %

3 %

Users included

1

2

Expense management

Team cards personalization

AI assistant 

Chat support

Up to 1 business day

Up to 3 hours

Up to 3 minutes

Email support

Up to 1 business day

Up to 3 hours

Up to 30 minutes

Weekend support

Account Manager

Provided by Finom Payments

SEPA payments

Transfers between Finom's users in a few seconds

Extra SEPA OUT & Direct Debit transfers (per month)

0 € - 2500 €

0 %

0 %

0 €

2 500 € - 10 000 €

0.30 %

0 %

0 %

10 000 € - 25 000 €

0.30 %

0 %

0 %

25 000 € - 50 000 €

0.30 %

0.03 %

0 %

50 000 € - 100 000 €

0.30 %

0.03 %

0.025 %

100 000 € +

0.30 %

0.03 %

0.025 %

SEPA Instant transfers

Decline of Direct Debit

5 €

5 €

5 €

Scheduled payments

Bulk payments

Card payments

Free physical cards

0

1 per user

3 per user

Physical card monthly maintenance

3 €

0 €

0 €

Monthly card payment limit

100.000 €

100.000 €

100.000 €

Monthly ATM withdrawal limit

500 €

2000 €

5000 €

Card payments in foreign currency (non-EUR)

0 € - 500 €

3 %

0 %

0 %

500 € - 1.000 €

3%

2%

1%

1.000 €+

3%

2%

1%

ATM withdrawals in foreign currency (non-EUR)

3 %

2 %

1%

Card payments for certain MCCs (%, minimum 1 €)

0 € - 500 €

3 %

2 %

1 %

500 € - 2.500 €

4%

3%

2%

2.500 € - 5.000 €

5%

4%

3%

5.000 €+

6%

5%

4%

ATM withdrawal amounts (applicable for all cards)

0 € - 500 €

1 %

0 %

0 %

500 € - 2.000 €

3 %

1 %

0 %

2.000 € - 5.000 €

5%

5%

3%

5.000 € - 10.000 €

8%

8%

5%

10.000 €+

8%

8%

8%

Monthly fee for the inactive physical card

0 €

1 €

0 €

Virtual cards 

1 per user

3 per user

10 per user

Monthly fee for virtual VISA Card

0 €

0 €

0 €

Monthly fee for the inactive virtual card

1 €

0,5 €

0 €

Free card express delivery

Basic card limits management

Advanced card limits management

Special offers

International payments

Incoming international payments (fee per payment)

5 €

5 €

5 €

Outgoing international payments (fee per payment)

5 €

5 €

5 €

Fee for the outgoing volume of international payments

1 %

0.50 %

0.40 %

Coverage of the International transfer cost, optional

35 €

35 €

35 €

Local payments

F24 Ordinario/Accise

0 €

0 €

0 €

MAV

coming soon

coming soon

coming soon

RAV

coming soon

coming soon

coming soon

PagoPA

coming soon

coming soon

coming soon

Accounting & Invoicing

Accounting integrations up to 30 tools (Sage, FreshBooks, Netsuite, etc.)

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Role and user management

Customization of invoice templates

Visual analytics of income and expenses

Additional fees for special services

Express delivery of Finom Card

15 €

15 €

Reference letter fee for business

80 €

80 €

80 €

Business Account Closure Refund Processing Fee

5 €

5 €

5 €

Recall of outgoing SEPA SCT

15 €

15 €

15 €

Inquiry on SEPA SCT (Payment Investigation)

15 €

15 €

15 €

Recall of international payments

60 €

60 €

60 €

Outgoing payment investigation

Incoming payment investigation

Fee for providing MT103

20 €

20 €

20 €

Fee for MT199 request

45 €

45 €

45 €

Audit confirmation statement

100 €

100 €

100 €

Refusal to redeem an authorized direct debit due to insufficient account balance

1 €

1 €

1 €

Unarranged negative balance on Finom Business Account

1 € per day

1 € per day

1 € per day

Dunning letter (per letter)

5 €

5 €

5 €

Card dispute for an authorised transaction (per transaction)

15 €

15 €

15 €

Administrating irregularities applied to the Finom Business Account

25 €

25 €

25 €

Personal account manager

Onboarding fee

Applied individually

Applied individually

Applied individually

Compliance fee

Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.

For our detailed price list, download PDF here

Security is our top priority

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

Learn more

Customer support, providing real-time care

Help is just a click away
Interactive Help Center available 24 hours
Fast response time

Contact us on e-mail: [email protected]

FAQ

  • Who is Finom?

    Finom is your go-to financial platform, born in 2019 in the Netherlands. It started as a smart e-invoicing solution but quickly evolved to become the trusted companion of tens of thousands of entrepreneurs across Europe. We process about €1 billion in monthly transactions, and our reach extends to France, Italy, Belgium, Spain, Poland, and of course, Germany. Such big names in the investment world as Target Global, General Catalyst, and FJ Labs trust us too. With Finom, you can open a business account in a few clicks, fully online. You can manage your finances from your phone or laptop with our mobile and web apps. We cover everything from payments and invoicing to bookkeeping and team access, all with transparent pricing and zero hidden fees. You'll get a local IBAN, free virtual and physical cards with cashback, SEPA & Direct Debit transfers, and much more.

  • How safe is my money with Finom?

    Your money is in safe hands because we strive to provide a high level of security to protect it: - With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction. - Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity. - Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud. - The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls. In addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., there are also legal regulatory measures of the institution providing your business account, i.e. Safeguarding your account via Finom Payments B.V.: - When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account. - It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else. - We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds. - We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk. - Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB. For more information, please refer to the Terms of Finom Payments.

  • Do I get an Italian IBAN?

    Yes, you will! Finom has a license that allows customers to receive an Italian IBAN.

  • Under which license does Finom operate?

    Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB), to operate in the European Union (EU) and the European Economic Area (EEA).

  • How does a Finom business account differ from a traditional bank account?

    Finom is a fintech company and NOT a bank. Finom allows you to access some services associated with traditional banking, such as payments, withdrawals, and cards, but in the fastest and smartest way. With Finom, you can set up a business account in a few seconds, check your balance on the go, get cashback of up to 3%, create and send invoices, rely on real-time customer support, delegate tasks to team members, monitor your expenses and incomes, and have them categorized according to your habits.

  • 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.

  • 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.

  • Can I make SEPA and other international transfers (like SWIFT)?

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

  • Does Finom offer cashback?

    Yes! The amount of cashback depends on the plan you're using and applies to all in-store and online transactions. Depending on the tariff, you can get up to 3% cashback, and in some cases, you can receive additional cashback from Visa promotions and special offers. To see exactly how much cashback you're eligible for, check your plan details.

  • Does your support staff speak my language?

    Of course! Our Customer Care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won't be a barrier when you need assistance.

  • Is Finom secure?

    Absolutely! We use advanced anti-fraud techniques, double encryption, and the TLS protocol to protect your personal and transfer data. Your finances are in safe hands with Finom – here, you can read more about our security policy.

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

    Super easy! You can do it all online in under 15 minutes. Just 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 1-2 business days), you'll have immediate access to local IBAN, up to 3% cashback, and a bunch of other features.

  • I know my friend uses your service, do you have a referral program?

    Yes, indeed! If your friend shares their unique referral link with you, you both get rewarded. You'll enjoy 3 free months on any subscription plan of your choice, and your friend will get a little something from us too. So don't miss out on this win-win opportunity! Check out the full Terms & Conditions and Reward Rules for all the details.

  • Which legal forms does Finom support in Italy?

    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)