Finom vs Qonto: a side-by-side comparison
Finom: we have it all and more
Overall pricing
per month when paid annually
Solo € 0
Basic - € 17
Smart - € 34
Pro - € 119
Grow - € 249
Basic € 5
Smart - € 15
Premium - € 25
Essential - € 35
Business - € 70
Enterprise - € 140
Dutch IBAN
Cashback
Up to 3%
N/A
Free virtual cards
Solo - 1
Basic - 3
Smart - 10
Pro - Unlimited
Grow - Unlimited
Basic - 2
Smart, Premium, Essential - 50
Business, Enterprise – unlimited
Free physical cards
Solo - 0
Basic - 2
Smart - unlimited
Pro - unlimited
Grow - unlimited
Card replacement (e.g. in case of blocking) is free of charge, even in excess of the specified quantity.
Basic - 1
Smart, Premium - 2
Essential - 5
Business - 10
Enterprise - 30
Cash withdrawal
Cards
3 free physical cards per user
Unlimited number of free virtual cards
Free re-issuance of additional cards
Card type
Apple Pay / Google Pay
International payments
Free SEPA & Direct Debit transfers (per month)
Solo - € 2 per transaction
Start - Unlimited
Premium - Unlimited
Corporate - Unlimited
Enterprise - Unlimited
Basic - 30*
Smart - 100*
Premium - 200*
Essential - 250*
Business - 500*
Enterprise - 10 000*
*a fee of € 0,10 - € 0,20 applied to further transfers
Customer support
Here’s why
Top-notch solution Business account opened from the comfort of your couch in 2 days. Free cards, state-of-the-art invoicing, payments all around the globe, and more;
Never overpay We’re fully digital – no costs on branches. Ever seen our billboards and TV ads? No, we don’t spend on it;
Never walk alone Our lightning-fast phone, video or chat customer support assists you at every step of the way.
Why choose Finom for business?
Free business account
Open a fully functional business account with invoicing for as much as €0
Up to 3% cashback
Use your VISA cards and score cashback that pays the subscription off
Invoicing
Create and send smart invoices in 60 seconds and get paid 20%+ faster
5% p.a. Interest Account
Get a fixed rate for your first 5 months with no lock-ins
1-month free trial available
Customers love Finom
Meet our 200,000+ customers
Thank you with a little piece of advise!
I received the help ein needed within a couple of hours. The problem I had was solved quickly. Just a little advise. My problem was that my limit for my account was still on 5000,-€. I had uploaded a document, but the document was too old. I never received a feedback that the document was too old and that I would have had to upload a more recent document. That would've been helpful in the first place. But otherwise I am very happy that I decided to open my account at Finom. Thank you!
Patrick Arante
01 June 2026
Someone has stolen my Creditcardnumber
Someone has stolen my Creditcardnumber and used it! I asked the Finom team for help! Nice Expierience! Fast! Easy! Patient with my worries, friendly and everything went nice and well💪🏼💯
SU
30 May 2026
Very good and fast banking application
Very good and fast banking application. The setup is smooth, and the service works perfectly for my business This is a really good, fast, and reliable banking application. Five stars!
Ibrahim Ali
29 May 2026
Reliable bussiness bank
Reliable bussiness bank. Very cool features, like invoice uploading to link to transactions. And als it can be integrated in Lexware or other accounting tools :)
Nico H
29 May 2026
I’m really satisfied of Finom
I’m really satisfied of Finom, particularly about the assistance: I have had a serious problem with a merchant and mr. Jose, very professional and kind person, did follow my case, resolved it quickly and also helped me how to manage all the features of the app.
Angelo Gentini
28 May 2026
Payroll is now so easy process
Payroll is now so easy process, just put excel sheet to Ai analyzer and there you go,all payments in 1.
Stan Sim
27 May 2026
In 2025
In 2025, I opened a digital business banking account with Finom for DEFECTIVE. Initially, I was given a transaction limit of approximately €5,000. However, shortly after my first application was reviewed, my account was upgraded to an unlimited status, allowing me to operate without transaction limits. While actively using the account, I had to stay in Turkey for around 2–3 months in December 2025 due to health issues. During that period, I was unable to manage the account regularly, and the account was temporarily closed. After returning to Italy, I contacted the Finom team regarding the reactivation of my account. The process moved much faster than I expected. In particular, Jose, along with the members of every department involved, was extremely helpful, professional, and solution-oriented. My account was reactivated very quickly, and I was able to continue my routine business operations without any issues. Throughout the entire experience, the speed, professionalism, and supportive approach of the customer service team gave me great confidence in working with Finom.
SEYHAN OZHAN
27 May 2026
I received immediate and highly competent support
I received immediate and highly competent support with my issue. Thanks to Jose, whom I was in contact with via chat, I was able to get help and the problem was resolved quickly.
Jürgen Joost
27 May 2026
Rated 4.7 / 5 based on 13.331 reviews. Showing our latest reviews.
Security is our top priority
GDPR Compliance
Our servers are protected and hosted in the European Union
Reliable partners
To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds
Safeguarded funds: unlimited
We have a separate Safeguarding Foundation supervised by the DNB to manage your money
Passkeys and 3D Secure
Your money is protected with secure passwordless authentication and single-use passwords
