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Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers and new entrepreneurs who need simple, essential features

€ 0

/ month

€ 0

/ month

Open account
Recommended

Start

For growing businesses that need advanced features to manage their increasing operations

€ 17

/ month

€ 14

/ month

You save € 36

30-day trial

Premium

For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits

€ 40

/ month

€ 34

/ month

You save € 72

30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

5

Multiaccounts

Multiaccounts

Multiaccounts

Cashback

0 %

Cashback

2 %

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

All-in-one Business Platform

Plans

Solo

€ 0/ month€ 0/ month
Open account

Start

€ 17/ month€ 14/ month

You save € 36

30-day trial

Premium

€ 40/ month€ 34/ month

You save € 72

30-day trial
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 PaymentsSEPA 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 € 25,000
0,1 % after € 50,000
0,1 % after € 100,000
SEPA Instant transfers
€ 0 - € 500
€ 1
€ 1
€ 1
€ 500 - € 2,000
€ 3
€ 3
€ 3
€ 2,000+
€ 5
€ 5
€ 5
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)
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 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
€ 5
€ 0
€ 0
Monthly fee for the inactive physical card
€ 2
€ 1
€ 0
Virtual VISA card issuance
Monthly fee for virtual VISA Card
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 1
€ 0.5
€ 0
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
Additional fees for special services
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
Refusal to redeem an authorized direct debit due to insufficient account balance
€ 1
€ 1
€ 1
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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    TMJ Coaching, CEO

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    I started my business because I value freedom

    In 2021, I graduated and decided to use my healthcare skills and fitness knowledge to help people who want to get healthy. That’s when I opened TJM Coaching. It started as an online service, but now I offer both online and offline sessions. From tailored meal plans to personalized health advice, we're dedicated to empowering people to achieve their wellness goals.

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    Beat Em Hub, co-founder

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    Finom has been a vital part of our business

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    DuniDun, CEO

    3/4

    Finom has positively impacted my business

    I’ve always wanted to be an entrepreneur. Even when I had a regular job, I tried pursuing entrepreneurship because I love spontaneity and flexibility. So four years ago, I started as a sole entrepreneur with nothing – no employees, no physical location.

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  • Masiha Arsalan

    Business Development Director at Fluid Work

    4/4

    After all, business is all about people

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FAQ

  • Is entering payment details required for a trial?

    No, Finom offers a free trial for one month, and you can start without providing payment details. You can cancel anytime during the trial period without being charged.

  • Can I cancel my subscription at any time?

    You can cancel your subscription at any time. However, if you’ve paid for a full year and choose to cancel before the year ends, we cannot refund the cost of the unused months. For more details, please refer to our Terms and Conditions.

  • What payment methods are supported?

    Finom supports several payment methods, including SEPA transfers, card payments, and more. The specific methods vary depending on the region.

  • Can I switch to another plan at any time?

    If you pay monthly and switch plans, your new plan will take effect after your current subscription ends, at the end of the month. If you pay yearly, your new plan will begin once your current subscription expires, at the end of the year.

  • How quickly can I get help with technical issues?

    Finom provides customer support on weekdays from 9am to 6pm CET. Additionally, it offers a wide range of self-service resources, including articles and FAQs in its Help Center.

  • In what cases is a refund for the subscription possible?

    Finom’s refund policies depend on the situation and are typically covered by the customer service team. It's best to contact them directly for specific refund requests.

  • Can I create a custom plan if my business requires unique features?

    Finom offers various tailored subscription options, including 'Corporate' and 'Enterprise' plans that can be adjusted based on specific needs.