FINOM NEW CUSTOMER BUNDLE PROMOTION TERMS

Finom Payments: Finom Payments B.V., Jachthavenweg 109 H, 1081 KM Amsterdam, The Netherlands.

PNL Fintech: PNL Fintech B.V., Jachthavenweg 109 H, 1081 KM Amsterdam, The Netherlands, (together with Finom Payments, “Finom”).

Aksys: Aksys Global Markets Europe Ltd, 9, Aiolou & Panagioti Diomidous, Katholiki, 3020, Limassol, Cyprus, Reg. No. HE437574. 

1. Scope and Agreement

These terms and conditions (the “Promotion Terms”) set out the rules for the Finom New Customer Bundle Promotion. To participate, you must comply with these Promotion Terms alongside the Finom Payments Services Agreement (“FPSA”), and the Aksys Global Markets Europe Ltd Client Agreement (“Aksys Client Agreement”), incorporated herein by reference. 

2. Promotion Period and Eligible Tiers

The Promotion runs from 1 June 2026 to 19 July 2026 inclusive (the “Promotion Period”). The Promotion is open exclusively to Eligible Customers successfully completing onboarding for a Finom Business Account within the Solo, Basic, Smart, Pro, or Grow tiers (each an “Eligible Tier”).

3. Eligible Customers

Clients of Finom acting in a professional or business capacity in Germany (DE), France (FR), Italy (IT), or the Netherlands (NL), with an active Finom Business Account and who:  

(i) are in possession of an active Valid Subscription, defined as an active, paid subscription model within an Eligible Tier that is neither blocked, suspended, nor terminated under the GTC;  

(ii) have successfully opened an active interest account with Aksys;  

(iii) have met all compliance, security, and verification requirements;

(iv) started the onboarding process at Finom on or after June 1, 2026, and completed account activation on or before July 19, 2026.

(v) execute valid card transactions using their physical or virtual Finom Debit Card totaling at least €1,000 in the first month (days 1 to 30 following account activation) AND at least €1,000 in the second month (days 31 to 60 following account activation). This represents a minimum total card spend of €2,000 over the first two months

Transactions outside of eligible Merchant Category Codes (MCCs) or originating from fraudulent activities will not count toward the card spend thresholds. Card transactions made at merchants classified under ineligible MCCs are explicitly excluded. The full legal registry of excluded merchant categories is published and verified at: https://storage.googleapis.com/fnm-pub/legal-documents/documents/merchant_category_codes/mcc-extra-fee-EN.html  

Eligibility shall expire immediately upon termination of the Subscription, Interest Account, or Finom Business Account, or in accordance with the provisions of the FPSA or the Aksys Client Agreement.

4. The €350 Cash Bonus Reward

During the Promotion Period, Eligible Customers qualify for a one-off cash bonus of €350 paid directly to their Finom Business Account. 

The €350 cash bonus will be credited directly to the Eligible Customer's Finom Business Account or designated reward balance between 20 September 2026 and 30 September 2026, following verification that they comply with the requirements to be considered an Eligible Customer.

5. Promotional 5% Interest Rate

During the Promotion Period, Eligible Customers who activate their interest account will receive a promotional fixed interest rate of 5.0% p.a. on uninvested EUR balances held within the Interest Wallet section of their Aksys Investment Account for a fixed duration of five (5) months from account activation. Depending on the pricing plan, after the 5-month period, a standard variable interest rate of up to 1.75% p.a. will apply to the balance.

The application of this promotional interest rate, including all plan-specific balance ceilings, standard interest rate reversions, and individual conditions of participation, is explicitly governed by the Aksys Client Agreement and the policy document "Increased promotional interest for the interest account". In the event of any conflict or discrepancy between those documents and these Promotion Terms, the provisions of these Promotion Terms shall strictly prevail solely in relation to the parameters of this Promotion.

6. Unlimited Free SEPA Transfers

Eligible Customers will receive unlimited free Single Euro Payments Area (SEPA) outbound and inbound credit transfers for a period of six (6) months from Finom Business Account activation. Upon the expiration of this six-month period, SEPA transfers will be charged in accordance with the standard pricing schedule of the Eligible Customer’s chosen plan tier.

7. Misuse and Promotion Abuse

In accordance with Annex II of the FPSA and Clause 12 of the Aksys Client Agreement , Finom  and Aksys reserve the right, at their sole discretion, to deny, suspend, or reverse the cash bonus described in Section 4, promotional interest, or free SEPA transfers if there are reasonable grounds to suspect fraud, manipulation, or an occurrence of Prohibited Activity.

8. General Terms and Conditions (GTC)

The General Terms and Conditions (GTC) published on the PNL Fintech and Aksys website in the current version as well as the Aksys Client Agreement govern the legal relationship between Eligible Customers and Finom or between Eligible Customers and Aksys. 

In the event of any discrepancy, these Promotion Terms and Conditions shall prevail solely in relation to this promotion.