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
Italian IBAN within 24h, cards with cashback up to 3%, international payments to 150+ countries. All online in one mobile app for entrepreneurs.
Account opened online in 24 hours
Spend anywhere and receive the highest cashback on the market
Easily match invoices and transactions
Control your money 24/7 and on the go
No queues, no paperwork, no waiting
Fully functional Solo account
€ 0
safeguarded
150+ countries
International transfers
Bulk payment processing
Unmatched FX rates
Easily pay F24, PagoPA and MAV/RAV
S E P A
Instant Transfers & DD Transfers
Get up to 3% cashback on all payments
Scan receipts and match them with transactions
Set limits for each card and control spending in real-time
Withdraw up to €5,000 from any European ATM
Unlock extra privileges with our premium cards (coming soon)
Spend less time on paperwork and more on your business. Give access to your accountant, and we'll handle the rest.
Try nowBuilt-in e-invoicing
Read real, authentic reviews
Start with the €0 Solo plan for freelancers. Looking for more? Enjoy a 1-month free trial for other plans.
Price
Users included
1
2
5
Cashback
0%
1%
3%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
All-in-one Business Platform
Users included
1
2
5
Cashback
0%
1%
3%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
E-invoicing
Invoices (in/out)
Fast invoice payments by your customers
Invoices statuses tracking
Invoicing API access
Invoice and receipt recognition (Free while beta)
Manual reconciliation of invoices and receipts
Credit notes
Customization of invoice templates
Automatic collection of documents
Provided by Finom
Monthly fee for extra team member
4 € after 1 team member
2 € after 2 team members
1 € after 5 team members
Fee per recognized document (Free while beta)
2 € after 8
1,5 € after 8
1 € after 8
Administrating irregularities
100 €
100 €
100 €
Provided by Finom Payments
IBAN for global transfers
Physical VISA card issuance (up to 3 per user)
Physical card monthly maintenance
3 €
0 €
0 €
Physical VISA cards for business owners
0 €
0 €
0 €
Physical VISA cards for team members
0 €
0 €
0 €
Physical VISA card reissuance
0 €
0 €
0 €
Monthly fee for the inactive physical card
0 €
1 €
0 €
Virtual VISA card issuance (unlimited)
Virtual VISA cards for team members
0 €
0 €
0 €
Monthly fee for the inactive virtual card
1 €
0,5 €
0 €
Card payments in EUR (except for certain MCCs)
0 €
0 €
0 €
Card payment limit per card (per month)
100.000 €
100.000 €
100.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
3%
0%
0%
500 € - 1.000 €
3%
2%
1%
1.000 €+
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 limit per card (per month)
500 €
1.500 €
2.000 €
Fee for 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%
Fee for ATM withdrawals in foreign currency (non-EUR)
4%
3%
2%
Monthly fee for extra wallet
4 € after 1 wallets
2 € after 2 wallets
1 € after 3 wallets
Fee for outgoing SEPA transfers & Direct Debits
2 €
0 €
0 €
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after 5.000 €
0,1% after 50.000 €
0,1% after 75.000 €
Decline of Direct Debit
5 €
5 €
5 €
Fee for SEPA Instant transfers
0 € - 500 €
1 €
1 €
1 €
500 € - 2.000 €
3 €
3 €
3 €
2.000 €+
5 €
5 €
5 €
Transfers between Finom's users in a few seconds
0 €
0 €
0 €
Outgoing international payments (fee per payment)
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
Fee for the volume of outgoing international payments
2%
0,9%
0,8%
Fee for coverage of the International transfer cost, optional
35 €
35 €
35 €
Processing bulk payments
Scheduled payments
Repeat payment
Provided by Finom
Express delivery of Finom Card
15 €
15 €
15 €
Provided by Finom Payments
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 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
5 €
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
All-in-one Business Platform
Users included
2
5
10
15
Cashback
1%
3%
unlimited cashback up to 0,5%
unlimited cashback up to 1%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
E-invoicing
Invoices (in/out)
Fast invoice payments by your customers
Invoices statuses tracking
Invoicing API access
Invoice and receipt recognition (Free while beta)
Manual reconciliation of invoices and receipts
Credit notes
Customization of invoice templates
Automatic collection of documents
Provided by Finom
Monthly fee for extra team member
2 € after 2 team members
1 € after 5 team members
15 € after 10 team members
15 € after 15 team members
Fee per recognized document (Free while beta)
1,5 € after 8
1 € after 8
Administrating irregularities
100 €
100 €
100 €
100 €
Provided by Finom Payments
IBAN for global transfers
Physical VISA card issuance (up to 3 per user)
Physical card monthly maintenance
0 €
0 €
0 €
0 €
Physical VISA cards for business owners
0 €
0 €
0 €
0 €
Physical VISA cards for team members
0 €
0 €
0 €
0 €
Physical VISA card reissuance
0 €
0 €
0 €
0 €
Monthly fee for the inactive physical card
1 €
0 €
0 €
0 €
Virtual VISA card issuance (unlimited)
Virtual VISA cards for team members
0 €
0 €
0 €
0 €
Monthly fee for the inactive virtual card
0,5 €
0 €
0 €
0 €
Card payments in EUR (except for certain MCCs)
0 €
0 €
0 €
0 €
Card payment limit per card (per month)
100.000 €
100.000 €
100.000 €
200.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
0%
0%
0%
0%
500 € - 1.000 €
2%
1%
0%
0%
1.000 €+
2%
1%
1%
1%
Card payments for certain MCCs (%, minimum 1 €)
0 € - 500 €
2%
1%
1%
1%
500 € - 2.500 €
3%
2%
1%
1%
2.500 € - 5.000 €
4%
3%
2%
2%
5.000 €+
5%
4%
3%
3%
ATM withdrawal limit per card (per month)
1.500 €
2.000 €
5.000 €
5.000 €
Fee for ATM withdrawal amounts (applicable for all cards)
0 € - 500 €
0%
0%
0%
0%
500 € - 2.000 €
1%
0%
0%
0%
2.000 € - 5.000 €
5%
3%
3%
3%
5.000 € - 10.000 €
8%
5%
5%
5%
10.000 €+
8%
8%
8%
8%
Fee for ATM withdrawals in foreign currency (non-EUR)
3%
2%
1%
1%
Monthly fee for extra wallet
2 € after 2 wallets
1 € after 3 wallets
15 € after 10 wallets
15 € after 15 wallets
Fee for outgoing SEPA transfers & Direct Debits
0 €
0 €
0 €
0 €
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after 50.000 €
0,1% after 75.000 €
0,1% after 200.000 €
0%
Decline of Direct Debit
5 €
5 €
5 €
5 €
Fee for SEPA Instant transfers
€ 0 — € 500
1 €
1 €
1 €
1 €
€ 500 — € 2,000
3 €
3 €
3 €
3 €
€ 2,000+
5 €
5 €
5 €
5 €
Transfers between Finom's users in a few seconds
0 €
0 €
0 €
0 €
Outgoing international payments (fee per payment)
5 €
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
5 €
Fee for the volume of outgoing international payments
0,9%
0,8%
0,5%
0,3%
Fee for coverage of the International transfer cost, optional
35 €
35 €
35 €
35 €
Processing bulk payments
Scheduled payments
Repeat payment
Provided by Finom
Express delivery of Finom Card
15 €
15 €
15 €
15 €
Provided by Finom Payments
Reference letter fee for business
80 €
80 €
80 €
80 €
Business Account Closure Refund Processing Fee
5 €
5 €
5 €
5 €
Recall of outgoing SEPA SCT
15 €
15 €
15 €
15 €
Inquiry on SEPA SCT (Payment Investigation)
15 €
15 €
15 €
15 €
Recall of international payment
60 €
60 €
60 €
60 €
Outgoing payment investigation
45 €
45 €
Incoming payment investigation
50 €
50 €
Fee for providing MT103
20 €
20 €
20 €
20 €
Fee for MT199 request
45 €
45 €
45 €
45 €
Audit confirmation statement
100 €
100 €
100 €
100 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
5 €
5 €
Administrating irregularities applied to the Finom Business Account
25 €
25 €
25 €
25 €
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Applied individually
Compliance fee
Applied individually
Applied individually
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
Price
Users included
2
5
10
15
Cashback
1%
3%
unlimited cashback up to 0,5%
unlimited cashback up to 1%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
All-in-one Business Platform
Users included
1
2
5
Cashback
0%
1%
3%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
E-invoicing
Invoices (in/out)
Fast invoice payments by your customers
Invoices statuses tracking
Invoicing API access
Invoice and receipt recognition (Free while beta)
Manual reconciliation of invoices and receipts
Credit notes
Customization of invoice templates
Automatic collection of documents
Provided by Finom
Monthly fee for extra team member
4 € after 1 team member
2 € after 2 team members
1 € after 5 team members
Fee per recognized document (Free while beta)
2 € after 8
1,5 € after 8
1 € after 8
Administrating irregularities
100 €
100 €
100 €
Provided by Finom Payments
IBAN for global transfers
Physical VISA card issuance (up to 3 per user)
Physical card monthly maintenance
3 €
0 €
0 €
Physical VISA cards for business owners
0 €
0 €
0 €
Physical VISA cards for team members
0 €
0 €
0 €
Physical VISA card reissuance
0 €
0 €
0 €
Monthly fee for the inactive physical card
0 €
1 €
0 €
Virtual VISA card issuance (unlimited)
Virtual VISA cards for team members
0 €
0 €
0 €
Monthly fee for the inactive virtual card
1 €
0,5 €
0 €
Card payments in EUR (except for certain MCCs)
0 €
0 €
0 €
Card payment limit per card (per month)
100.000 €
100.000 €
100.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
3%
0%
0%
500 € - 1.000 €
3%
2%
1%
1.000 €+
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 limit per card (per month)
500 €
1.500 €
2.000 €
Fee for 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%
Fee for ATM withdrawals in foreign currency (non-EUR)
4%
3%
2%
Monthly fee for extra wallet
4 € after 1 wallets
2 € after 2 wallets
1 € after 3 wallets
Fee for outgoing SEPA transfers & Direct Debits
2 €
0 €
0 €
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after 5.000 €
0,1% after 50.000 €
0,1% after 75.000 €
Decline of Direct Debit
5 €
5 €
5 €
Fee for SEPA Instant transfers
0 € - 500 €
1 €
1 €
1 €
500 € - 2.000 €
3 €
3 €
3 €
2.000 €+
5 €
5 €
5 €
Transfers between Finom's users in a few seconds
0 €
0 €
0 €
Outgoing international payments (fee per payment)
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
Fee for the volume of outgoing international payments
2%
0,9%
0,8%
Fee for coverage of the International transfer cost, optional
35 €
35 €
35 €
Processing bulk payments
Scheduled payments
Repeat payment
Provided by Finom
Express delivery of Finom Card
15 €
15 €
15 €
Provided by Finom Payments
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 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
5 €
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
All-in-one Business Platform
Users included
2
5
10
15
Cashback
1%
3%
unlimited cashback up to 0,5%
unlimited cashback up to 1%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
E-invoicing
Invoices (in/out)
Fast invoice payments by your customers
Invoices statuses tracking
Invoicing API access
Invoice and receipt recognition (Free while beta)
Manual reconciliation of invoices and receipts
Credit notes
Customization of invoice templates
Automatic collection of documents
Provided by Finom
Monthly fee for extra team member
2 € after 2 team members
1 € after 5 team members
15 € after 10 team members
15 € after 15 team members
Fee per recognized document (Free while beta)
1,5 € after 8
1 € after 8
Administrating irregularities
100 €
100 €
100 €
100 €
Provided by Finom Payments
IBAN for global transfers
Physical VISA card issuance (up to 3 per user)
Physical card monthly maintenance
0 €
0 €
0 €
0 €
Physical VISA cards for business owners
0 €
0 €
0 €
0 €
Physical VISA cards for team members
0 €
0 €
0 €
0 €
Physical VISA card reissuance
0 €
0 €
0 €
0 €
Monthly fee for the inactive physical card
1 €
0 €
0 €
0 €
Virtual VISA card issuance (unlimited)
Virtual VISA cards for team members
0 €
0 €
0 €
0 €
Monthly fee for the inactive virtual card
0,5 €
0 €
0 €
0 €
Card payments in EUR (except for certain MCCs)
0 €
0 €
0 €
0 €
Card payment limit per card (per month)
100.000 €
100.000 €
100.000 €
200.000 €
Card payments in foreign currency (non-EUR)
0 € - 500 €
0%
0%
0%
0%
500 € - 1.000 €
2%
1%
0%
0%
1.000 €+
2%
1%
1%
1%
Card payments for certain MCCs (%, minimum 1 €)
0 € - 500 €
2%
1%
1%
1%
500 € - 2.500 €
3%
2%
1%
1%
2.500 € - 5.000 €
4%
3%
2%
2%
5.000 €+
5%
4%
3%
3%
ATM withdrawal limit per card (per month)
1.500 €
2.000 €
5.000 €
5.000 €
Fee for ATM withdrawal amounts (applicable for all cards)
0 € - 500 €
0%
0%
0%
0%
500 € - 2.000 €
1%
0%
0%
0%
2.000 € - 5.000 €
5%
3%
3%
3%
5.000 € - 10.000 €
8%
5%
5%
5%
10.000 €+
8%
8%
8%
8%
Fee for ATM withdrawals in foreign currency (non-EUR)
3%
2%
1%
1%
Monthly fee for extra wallet
2 € after 2 wallets
1 € after 3 wallets
15 € after 10 wallets
15 € after 15 wallets
Fee for outgoing SEPA transfers & Direct Debits
0 €
0 €
0 €
0 €
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after 50.000 €
0,1% after 75.000 €
0,1% after 200.000 €
0%
Decline of Direct Debit
5 €
5 €
5 €
5 €
Fee for SEPA Instant transfers
€ 0 — € 500
1 €
1 €
1 €
1 €
€ 500 — € 2,000
3 €
3 €
3 €
3 €
€ 2,000+
5 €
5 €
5 €
5 €
Transfers between Finom's users in a few seconds
0 €
0 €
0 €
0 €
Outgoing international payments (fee per payment)
5 €
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
5 €
Fee for the volume of outgoing international payments
0,9%
0,8%
0,5%
0,3%
Fee for coverage of the International transfer cost, optional
35 €
35 €
35 €
35 €
Processing bulk payments
Scheduled payments
Repeat payment
Provided by Finom
Express delivery of Finom Card
15 €
15 €
15 €
15 €
Provided by Finom Payments
Reference letter fee for business
80 €
80 €
80 €
80 €
Business Account Closure Refund Processing Fee
5 €
5 €
5 €
5 €
Recall of outgoing SEPA SCT
15 €
15 €
15 €
15 €
Inquiry on SEPA SCT (Payment Investigation)
15 €
15 €
15 €
15 €
Recall of international payment
60 €
60 €
60 €
60 €
Outgoing payment investigation
45 €
45 €
Incoming payment investigation
50 €
50 €
Fee for providing MT103
20 €
20 €
20 €
20 €
Fee for MT199 request
45 €
45 €
45 €
45 €
Audit confirmation statement
100 €
100 €
100 €
100 €
Unarranged negative balance on Finom Business Account
1 € per day
1 € per day
1 € per day
1 € per day
Dunning letter (per letter)
5 €
5 €
5 €
5 €
Administrating irregularities applied to the Finom Business Account
25 €
25 €
25 €
25 €
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Applied individually
Compliance fee
Applied individually
Applied individually
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
Optimize finances – transactions being automapped with invoices
and receipts in accounting ready data
Be it receipt, invoice or any other important document – collect it in Finom secure storage in several clicks
Extract data from receipt or any other document with auto-recognition feature
Track and categorize expenses online. Control where you spend more and reduce costs month-by-month
24/7
Contact us on e-mail: [email protected]
We’ve compiled a list of grants and funding programs to help you grow your business. Download our free guide to learn more.