• European IBAN

    Account opened online
    in 24 hours

  • Up to 3% cashback

    Spend anywhere and receive the highest cashback on the market

  • Expense management

    Expense management solution for team spending control

  • E-Invoicing

    That gets you paid faster. Simple and powerful

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Open account

A year of Premium Plan
for free

Open an account and get a chance to win

  • Users included: 5
  • Wallets included: 3
  • ATM withdrawal limits: €5000
  • Card payment limit: €50,000
  • Virtual cards included: unlimited
  • Physical cards included: 15 (up to 3 per user)
  • In/Out SEPA and Direct debit transfers: 200

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission

  • ATM withdrawal limit up to € 10 000 per card
  • Issue, limit, top up or block with just a click
  • Apple Pay & 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 100,000 entrepreneurs have already taken the step.

And what about you?!

Ergonomic platform, very clear to create your company.


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


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


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.


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!


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.


One platform,
endless possibilities

Start with the €0 Solo plan for freelancers. Looking for more?
Enjoy a 1-month free trial for other plans.




0 €

3 €5 €

This offer is available until 30.06.2024



14 €17 €

/month (excl. VAT)
you save 36 €

One month free, cancel anytime


28 €34 €

/month (excl. VAT)
you save 72 €

One month free, cancel anytime

Users included








Access to Business Platform

Accounting integrations

All transactions history in smart dashboards

Real-time notifications


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


from 119 €

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


Contact us on e-mail: [email protected]


  • 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, 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. Please note that PNL Fintech B.V. (Finom) does not provide or guarantee these deposit protection methods. For more information, please refer to the Terms of Finom Payments.
  • 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.