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Finom pricing and plans

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

Start

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

€ 17

/ month

excl. VAT

€ 14

/ month

excl. VAT

You save € 36

30-day trial
Recommended

Premium

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

€ 40

/ month

excl. VAT

€ 34

/ month

excl. VAT

You save € 72

30-day trial

Corporate

For larger businesses requiring advanced features, higher limits, and greater flexibility

€ 149

/ month

excl. VAT

€ 119

/ month

excl. VAT

You save € 360

Apply now

Business account

Business account

Business account

Users included

2

Users included

5

Users included

10

Multiaccounts

Multiaccounts

Multiaccounts

Cashback

2 %

Cashback

3 %

Cashback

unlimited cashback up to 0,5 %

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

€ 0

SEPA transaction fee

€ 0

SEPA transaction fee

€ 0

VISA physical & virtual cards

VISA physical & virtual cards

VISA physical & virtual cards

Physical card monthly maintenance

€ 0

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

0,9 %

Outgoing international payments

0,8 %

Outgoing international payments

0,5 %

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

All-in-one Business Platform

Plans

Start

€ 17/ month€ 14/ month excl. VAT

You save € 36

30-day trial

Premium

€ 40/ month€ 34/ month excl. VAT

You save € 72

30-day trial

Corporate

€ 149/ month€ 119/ month excl. VAT

You save € 360

Apply now
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
2 %
3 %
unlimited cashback up to 0,5 %
Users included
2
5
10
Monthly fee for extra team member
€ 2
€ 1
€ 15
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
€ 0
€ 0
€ 0
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1 % after € 50,000
0,1 % after € 75,000
0,1 % after € 200,000
SEPA Instant transfers
€ 0 - € 500
€ 0
€ 0
€ 0
€ 500 - € 2,000
€ 0
€ 0
€ 0
€ 2,000+
€ 0
€ 0
€ 0
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
€ 1,500
€ 2,000
€ 5,000
Card payments in foreign currency (non-EUR)
€ 0 - € 500
0 %
0 %
0 %
€ 500 - € 1,000
2 %
1 %
1 %
€ 1,000+
2 %
1 %
1 %
ATM withdrawals in foreign currency (non-EUR)
2 %
1 %
1 %
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
2 %
1 %
1 %
€ 500 - € 2,500
3 %
2 %
1 %
€ 2,500 - € 5,000
4 %
3 %
2 %
€ 5,000+
5 %
4 %
3 %
ATM withdrawal amounts (applicable for all cards)
€ 0 - € 500
0 %
0 %
0 %
€ 500 - € 2,000
1 %
0 %
0 %
€ 2,000 - € 5,000
5 %
3 %
3 %
€ 5,000 - € 10,000
8 %
5 %
5 %
€ 10,000+
8 %
8 %
8 %
Monthly fee for physical VISA card
€ 0
€ 0
€ 0
Monthly fee for the inactive physical card
€ 1
€ 1
€ 1
Virtual VISA card issuance
Monthly fee for virtual VISA Card
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 0.5
€ 0
€ 0
Special offers
International payments
Physical VISA card issuance per user
3
3
3
Outgoing international payments (fee per payment)
€ 5
€ 5
€ 5
Incoming international payments (fee per payment)
€ 5
€ 5
€ 5
Fee for the volume of outgoing international payments
0,9 %
0,8 %
0,5 %
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
€ 2 after 2
€ 1 after 3
€ 15 after 10
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
€ 45
Incoming payment investigation
€ 50
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
Applied individually

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

Joaquim da Silva

TMJ Coaching, CEO

1/4

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.

Read the story

AJ

Beat Em Hub, co-founder

2/4

Finom has been a vital part of our business

Before Beat Em Hub, I worked full-time in the gaming industry, which inspires me every day. The passion and creativity of the people in this field fuel our teamwork and encourage us to push boundaries. Our team currently consists of seven members.

Read the story

Tanja Leipnitz

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.

Read the story

Masiha Arsalan

Business Development Director at Fluid Work

4/4

After all, business is all about people

My name is Masiha Arsalan and I’m the co-founder and Business Development Director of Fluid Work. My professional background comes from biotechnology: I’ve been working in this field for about 7 years.

Read the story

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.