• European IBAN

    Account opened online in 72 hours

  • Up to 3% cashback

    Spend anywhere and receive the highest cashback on the market

  • Expense management

    Expense management solution for team spending control

  • Invoicing

    That gets you paid faster. Simple and powerful

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Open account

Sign up today and get 1 free month

  • Wallets included: 3
  • ATM withdrawal limit: € 5.000
  • Virtual cards included: 2
  • Physical cards included: 1
  • In/Out SEPA and Direct debit transfers: 100

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission

  • ATM withdrawal limit up to € 5 000 per card
  • Issue, limit, top up or block with just a click
  • Google Pay
Learn more

E-Invoicing that helps you
getting paid faster

Help your customers pay the invoice

  • Payment link shared with your customers
  • PayPal integration for immediate payments
  • Payment reminders for unpaid invoices

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 to simplify bookkeeping

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

More than 70,000 entrepreneurs have already taken the step.

And what about you?!

Ergonomic platform, very clear to create your company.

Alexander

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

Maria

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

Peter

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.

Christina

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!

Philip

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.

Anna

All-in-one Digital Platform
Become a Solo plan member for your Finances

Start with a Free Solo plan. Looking for more?
Enjoy 1 month free trial for other plans

Price

-20%

Solo

0 €

3 €5 €

This offer is available until 30.04.2024

Free

Start

14 €17 €

/month (excl. VAT)
you save 36 €

One month free, cancel anytime

Premium

28 €34 €

/month (excl. VAT)
you save 72 €

One month free, cancel anytime

Users included

1

2

5

Cashback

0%

2%

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

Custom plan

Custom

from 99 €

Tailored for your business

Apply now
  • special terms on international payments
  • profitable currency exchange rates
  • dedicated account manager

What you get with Finom

  • IBAN in just 72 hours
  • Free physical & virtual cards
  • Up to 3% cashback
  • Google Pay
  • Accounting software integration
  • Simple yet powerful invoicing
  • Expense management solution
  • In-cloud Document storage

Security First

  • Industry compliant

    Payment Card Industry Data Security Standards compliant

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • TLS protocol

    Data encryption prevents it from being stolen or intercepted

  • 3D Secure

    Confirm each online card transaction with a unique one-time password

Customer support,
providing real-time care

  • Dedicated phone or video support

  • Response time less than 1 minute

  • Interactive Help Center available 24 hours

    24/7

Contact us on e-mail: [email protected]

FAQ

  • What is Finom?
    Finom is a European fintech company built for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe.

    We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we combined all these different financial services, such as accounting, financial management, and a business account, into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy our features’ advantages via our mobile and web apps.
  • 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, there are also legal regulatory measures of the institution providing your business account, i.e. Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE.

    Please note that PNL Fintech B.V. (Finom) does not provide or guarantee these deposit protection methods.
  • Is my data safe with Finom?
    Finom protects your data and guarantees the highest level of security:
    Finom has no access to your online banking credentials, and they are double-encrypted (for additional protection) using passkeys or a one-time password that must be entered each time you try to log in).

    All data transfers are transmitted over TLS-encrypted channels and are thereby protected via end-to-end encryption.

    We do not store your personal data against your will or without your explicit consent, Finom is GDPR (DSGVO for Germany and RGPD for France) compliant, which means that you can revoke your consent to the processing of your personal data at any time.

    Finom Privacy Policy regulates the processing of your personal data.
  • 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.
  • Under which license does Finom operate?
    PNL Fintech B.V. (Finom) is a cooperating partner of a tech company with a full banking license Solaris SE (Germany, Italy), and an agent of licensed electronic money institutions Treezor SAS (France) and Finom Payments B.V. (the Netherlands, Belgium, Spain, and other EEA countries). 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).
  • What documents do I need to open an account?
    Whether you are a freelancer or own a company, opening your Finom business account only takes a few minutes.

    You will only need three things for it:
    • The email address and password you used for the pre-registration (if you forgot them, click 'forgot password');
    • Your ID or passport ready to verify your identity;
    • All the information about your business.
  • Can entrepreneurs from any country open an account?
    Currently, you can easily open a business account with Finom for companies based and doing business in Germany, France, Italy, the Netherlands, Belgium, and Spain. Our Invoicing plan is available in Poland, while a customized corporate tariff in any of the EEA countries. The legal representative (the only person who can open a business account on behalf of a company) and the beneficial owners must have a valid residence permit in one of these countries, regardless of the country where their passport/ID card is issued. We plan to add more European countries in the future. However, if you own a company based in the US or if US taxpayers have an interest in your company, we are currently unable to open a business account for you due to the FATCA agreement.
  • How can I withdraw funds from my account or make deposits into it?
    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.
  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?
    A Finom business account enables you to carry out SEPA transactions. We cannot currently offer international transactions, but they will be supported very soon.
  • Does your support team 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.