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
- Apple Pay & Google Pay
- Special offers from our partners
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
Why compromise when you can have it all – convenient, easy, and intuitive? Enjoy the perfect integration of a business account and invoicing tools
Try nowSeamlessly match invoices and incoming transactions
Issue multiple free VISA debit cards with 0% commission
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
Auto integration of invoicing with Finom API in any e-store, CRM, or ERP
Function of uploading all documents and transactions
And what about you?
Subscription plans at a fair cost tailored to fit your business.
Solo
For freelancers and new entrepreneurs who need simple, essential features
/ month
/ month
Start
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 36
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Business account
Users included
1
Users included
2
Users included
5
Multiaccounts
Multiaccounts
Multiaccounts
Cashback
0 %
Cashback
1 %
Cashback
3 %
Dedicated Account Manager
Dedicated Account Manager
Dedicated Account Manager
Accounting & Invoicing
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
30+ accounting integrations
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)
Transfers between Finom users
0 €
Transfers between Finom users
0 €
Transfers between Finom users
0 €
SEPA transaction fee
2 €
SEPA transaction fee
0 €
SEPA transaction fee
0 €
VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
3 €
Physical card monthly maintenance
0 €
Physical card monthly maintenance
0 €
International payments (in&out)
5 €
International payments (in&out)
5 €
International payments (in&out)
5 €
Outgoing international payments
2 %
Outgoing international payments
0,9 %
Outgoing international payments
0,8 %
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Compare plans
You save € 36
You save € 72
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
0 %
2 %
3 %
Users included
1
2
5
Monthly fee for extra team member
4 €
2 €
1 €
Dedicated Account Manager
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, FreshBooks, Netsuite, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
0 €
0 €
0 €
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
Outgoing SEPA transfers
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 €
SEPA Instant transfers
0 € - 500 €
1 €
0 €
0 €
500 €+
3 €
3 €
3 €
Decline of Direct Debit
5 €
5 €
5 €
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
3
Monthly card payment limit
100.000 €
100.000 €
100.000 €
Monthly ATM withdrawal limit
500 €
1.500 €
2.000 €
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)
4 %
3 %
2 %
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 physical VISA card
3 €
0 €
0 €
Monthly fee for the inactive physical card
0 €
1 €
0,5 €
Virtual VISA card issuance
Monthly fee for virtual VISA Card
0 €
0 €
0 €
Monthly fee for the inactive virtual card
2 €
0,5 €
0,25 €
Special offers
International payments
Outgoing international payments (fee per payment)
5 €
5 €
5 €
Incoming international payments (fee per payment)
5 €
5 €
5 €
Fee for the volume of international payments
2 %
0,9 %
0,8 %
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
Additional fees for special services
Monthly fee for extra wallet
€ 4 after 1
€ 2 after 2
€ 1 after 3
Express delivery of Finom Card
15 €
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 €
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)
30 €
30 €
30 €
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
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Contact us on e-mail: [email protected]
Plan configurator
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