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Global payments with no limits

Pay worldwide to 150+ countries. Collect and keep the money in the currency you need.
Go borderless

Timing that breaks patterns

Enjoy quick global payments and foreign exchange

  • Create payments in seconds

  • Fast and secure global transfers

  • Up to 75% transfers arrive on the same day

  • Instantly exchange between all currencies

Open account

1-month free trial available

Hold, receive, and send in foreign currencies – conversion optional

Manage your money across multiple currencies

  • No forced conversion on incoming payments

  • Hold funds in the currency you need

  • Convert only when it suits you

  • Receive and pay in the same currency – no exchange required

Start saving on fees

Send more, spend less

Save, exchange, spend, and receive money like a local everywhere. Enjoy worldwide transfers and transparent fees
Currencies exchange at great rates

Flat, € 5 fee

for incoming international transfers in all currencies

Low fees for all global payments in

No fees for foreign currency accounts

Low fees for outgoing payments in foreign currencies

Team management

Manage account access and control team expenses from the unified interface

  • Issue, top up or limit cards for employees in a few clicks

  • Provide limited or unlimited access for external accountant

  • Generate bulk export of documents and transaction data

You’re never on your own

Customer support, providing real-time care

  • Response time less than a minute

  • Dedicated support via chat or email

  • Interactive Help Center available 24/7

Fearlessly transfer large amounts

Intuitively easy processes eliminate stress and any kind of mistakes

  • Simple pricing with a transparent rates for all currencies

  • Real-time rates to exchange money in the most favorable moment

  • No forced conversion or sum limits on exchange or transfers

  • All fees clearly shown in advance of any transaction

Join 200K+ users across Europe doing business the easy way

From solopreneurs to scaleups – whatever your size, Finom fits

Streamlined daily operations

And accounting-ready data export made in few clicks

  • Invoice clients in any currency and receive payments to your account

  • Upload, auto-recognize, and pay invoices in foreign currencies

  • Get payments in any currency automatically matched to documents

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

0,1%

Standard rate

0,75%

Standard rate

1%

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

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

Compare plans

Achieve your financial superpower

Open an account in minutes for a lifetime of business possibilities worldwide
Open account

Security is our top priority

Unlimited protected funds

We have a separate Safeguarding Foundation, supervised by DNB (Dutch Central Bank). Your money is untouchable, even if something happens to us

dnb

  • Regulated, supervised

    Your funds are safeguarded in compliance with applicable EU regulations

    banca-italia

  • Partnership with BNP Paribas

    Your funds are double-secured by one of Europe's largest and safest multinational banks

    banks

  • GDPR- compliant

    Finom’s protected servers are hosted in the European Union. Your data never leaves the EU

    gdpr

  • Passkeys and 3D Secure

    We use passwordless authentication and one-time codes to protect your account

    3d-secure
Learn more