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Business account with flexible funding

Secure a flexible credit line up to €50,000 for your business – even for new customers*
Open account
*Customers with less than 3 months of Finom activity must connect multibanking to apply. Customers with 3 months or more do not require Multibanking if they have sufficient transaction history with Finom.

One business account for all your needs

  • Financial tools

    Cards, accounting tools, and transfers

  • Flexible credit line

    Access the funds whenever your business needs them

  • No queues or paperwork

    Manage your money 100% online via the app

  • Powerful invoicing

    Invoices ready in 60 seconds with a payment link

Credit line for your business needs

Access a credit line that grows with your business

  • Decision in under

    5 min

    * for 80% of applications

  • €2,000 — €50,000

    revolving credit line

  • 100% online application

  • Line stays open indefinitely

  • 6-month repayment period

  • Instant withdrawals

    when you need them

Transparent pricing, no surprises

Bridge cash flow gaps instantly

  • Pay interest only on withdrawn funds

  • Fixed monthly credit line servicing fee

  • No hidden charges and early repayment fees

  • No origination fees if funds are used for over 3 months

Open account

Helping your business thrive

We know getting funding isn’t easy when you represent a small- to medium-sized business. That’s why we analyze your transaction history instead of relying on traditional risk assessments. The more you use your account, the more funding you may qualify for – with better terms. To increase your chances of a higher limit, connect all your bank accounts using our multibanking feature.

How to get a credit line

  1. Open a Finom business account

  2. Start using your Finom account to build transaction history

  3. Get a personalized offer based on your business profile

  4. Get an offer based on your business profile

  5. Sign the documents online

Access your funds immediately

Open account

Make payments easily

Free physical and virtual cards for you and your employees
Learn more
Pay anywhere with ApplePay or GooglePay

Up to 3% cashback

Prime business card

Low fees, high cashback, and global perks for just € 9,99/month
Transfers & Direct Debits

Up to € 5 000

monthly ATM withdrawal limit

International payments to 150+ countries

Meet our 200,000+ customers

Read real, authentic reviews
Verified

Quick assitance of my case

it is actually a positive experaince , Agent assistance , Ms. Elisa has has provided immediate assistance of my case. I’m really satisfied of assistance. So , technical team has solved the problem of notification by SMS , quickly , then Ms. Elisa has sent a notice by e-mail , accordingly.Yours Sincerely Antonio Rosanelli - CONSORZIO COMEDIS

Antonio Rosanelli

24 June 2026

Verified

Easiest and fastest

Finom has been the easiest and fastest business banking solution I have used. The setup process was simple and there was no unnecessary hassle. The add on accounting and invoicing features are very useful and save a lot of time. Having everything in one place makes managing business finances much less cumbersome. Overall, a smooth and convenient experience.

HG

24 June 2026

Verified

The support is good

The support is good, they respond quickly, I really appreciate the kind response. I don't like having conversations with AI agents, I always ask to be transferred to a human agent.

Marija Petrovic

19 June 2026

Verified

Excellent service

Excellent service, professionalism, and trust every step of the way. As a customer, I feel valued and supported by a team that truly puts its clients at the center of everything they do. Thank you for the outstanding experience!

Fazli Dibrani

19 June 2026

Verified

Finom service was very helpful

The service was very helpful, after initial AI chatting I was delegated to a human agent who resolved my issue quickly. Thank you!

Georg Püschel

18 June 2026

Verified

Great app

Great app ! Really happy how it works

Andrei Dodon

24 June 2026

Verified

Advertised 5% – got 0.75% instead

I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.

Daniel Tridico

17 April 2026

Verified

It's easy open the account end register…

It's easy open the account end register all the documents. It need time for all the notar document. Good

Paolo

13 April 2026

Verified

I am new customer

I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .

Uday Kant

30 March 2026

Verified

Easy to use

Easy to use, the free program is pretty extensive and allowing good usage

Ori Stern - Cross-border Plann

29 May 2026

Rated 4.7 / 5 based on 13.787 reviews. Showing our latest reviews.

Security is our top priority

security-label

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

    gdpr

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

    banks

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

    dnb

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

    3d-secure
Learn more

Finom pricing and plans

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

Solo

For freelancers, who need simple, essential features

You save € 48

Basic

For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control

You save € 72

Smart

For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations

€ 0 / month€ 0 / monthStart

excl. VAT

€ 21 / month€ 17 / month30-day trial

excl. VAT

€ 40 / month€ 34 / month30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

Cashback

0%

Cashback

1%

Cashback

3%

AI Assistant

AI Assistant

AI Assistant

Chat support

Up to 1 business day

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Account Manager

Account Manager

Account Manager

Credit products

Provided by Finom Growth B.V.

Credit products

Provided by Finom Growth B.V.

Credit products

Provided by Finom Growth B.V.

Monthly interest rate

1% - 1,9%

Monthly interest rate

1% - 1,9%

Monthly interest rate

1% - 1,9%

Credit line maintenance per day

€1

Credit line maintenance per day

€1

Credit line maintenance per day

€0,5

Interest account

Provided by Aksys Global Markets Europe Ltd

Interest account

Provided by Aksys Global Markets Europe Ltd

Interest account

Provided by Aksys Global Markets Europe Ltd

Free account setup

Free account setup

Free account setup

Standard rate

0,25%

Standard rate

1%

Standard rate

1,25%

Promo rate for 5 months

5%

Promo rate for 5 months

5%

Promo rate for 5 months

5%

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)

Free outgoing SEPA transfers

€2 500

Free outgoing SEPA transfers

€25 000

Free outgoing SEPA transfers

€50 000

Prime Card

€14,99

Prime Card

€14,99

Prime Card

€14,99

Metal card

Metal card

Metal card

Free VISA physical cards per user

0

Free VISA physical cards per user

1

Free VISA physical cards per user

3

Free VISA virtual cards per user

1

Free VISA virtual cards per user

3

Free VISA virtual cards per user

10

Outgoing international transfers

1%

Outgoing international transfers

0.50%

Outgoing international transfers

0.40%

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

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FAQ

  • In which countries is the credit line available?

    Currently, the credit line is available to existing Finom customers in the Netherlands. We plan to expand to more countries in the future.

  • What documents are needed to apply for a credit product?

    Existing Finom customers will not need any additional paperwork. We’ll use your transaction history and documents that you have already provided.

  • What will affect the terms of my credit financing?

    The terms of the offer will be assessed based on your Finom activity and external data about your business.

  • How quickly will I receive the funds?

    You will get access to a credit line as soon as you get a positive decision. After that, you’ll be able to borrow money within predetermined limits as needed.
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