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.

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.

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

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.

Finom Payments BV (Finom) operates under an electronic money institution license, authorized by the Dutch Central Bank (De Nederlandsche Bank, DNB), to provide services across the European Union (EU) and the European Economic Area (EEA).

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.

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.

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

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.

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.

Absolutely! We use advanced anti-fraud techniques, double encryption, and the TLS protocol to protect your personal data and transfer it. 

Your finances are in safe hands with Finom – here, you can read more about our security policy.

Yes! You can do it all online in under 15 minutes. 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 1-3 business days), you’ll have immediate access to an Italian IBAN, up to 3% cashback, and all other features.

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.

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)