Invest your business cash
Put your cash to work
Get more than 0%
Earn up to 2.1% on surplus cash – built to stay liquid
Accessible institutional tools
Money Market Funds available directly in your account
Built for the real world
Invest surplus funds without disrupting the cash flow
No new platforms, no friction
Invest, monitor, and withdraw without ever leaving your account
Smart investment options
Money Market Fund in EUR
30-day yield: 2.1% 3-year cumulative yield: 9.21%
New tools, coming soon
The EUR Money Market Fund is just the start. New instruments are coming to Finom – so you can build a future-proof portfolio without ever leaving your account.
What are Money Market Funds?
Money Market Funds (MMFs) are regulated investment vehicles that invest in short-term, high-quality instruments such as government bonds and treasury bills.
Low risk, not zero risk
MMFs are not deposit accounts. Returns can vary, though these assets are designed for stability
Built for liquidity
Unlike fixed-term deposits, MMFs are structured – so funds can be accessed at any time
Historically high returns
Over time, MMFs have offered returns above standard accounts
Benefits that make a difference
Daily liquidity
Earn returns on idle cash
Transparent and regulated
Institutional-grade partners
Fully integrated
Ready to invest in minutes
Built on infrastructure you can trust
Regulated and compliant
Institutional-grade investments, made simple
Regulated investment provider
Aksys is an EU-licensed, MiFID-regulated broker trusted by thousands of Finom clients via our Interest Wallet
Trusted infrastructure
Invest through the same trusted Finom platform you use for your business finances
BlackRock ICS Euro Liquidity Fund
You invest in one the world's largest and most trusted money market funds
FAQ
What is the Investment Account?
The Investment Account lets you put your business cash to work directly from your Finom account. It provides access to institutional-grade Money Market Funds (MMFs) designed to offer liquidity, stability, and the potential for a variable return. You can invest, monitor your portfolio, track returns, and withdraw funds – all without additional platforms or paperwork.How does the Investment Account compare to the Interest Wallet?
Both products help you make better use of excess cash, but they work differently.
The Interest Wallet offers a promotional fixed rate followed by a variable interest rate, depending on your plan.
The Investment Account invests your cash in institutional-grade Money Market Funds, offering a potentially higher market-based return, daily liquidity, and professional fund management. Returns are variable and not guaranteed.
What are Money Market Funds (MMFs)?
Money Market Funds are professionally managed investment funds that invest in diversified, high-quality short-term financial instruments issued by governments, banks, and large institutions. They are widely used by businesses to manage excess cash while maintaining liquidity and aiming to generate a variable return.Are Money Market Funds risk-free?
Money Market Funds are considered one of the lower-risk ways to invest business cash, but they are not risk-free. We offer the BlackRock ICS Euro Liquidity Fund, one of the world's largest institutional Money Market Funds. MMFs are investment products, not bank deposits, so returns are not guaranteed and the value of your investment may fluctuate.Can I lose money?
Although MMFs are designed to preserve capital and minimize price fluctuations, like any investment they carry risk. In exceptional market conditions, you may receive less than the amount originally invested.Are my funds protected?
Your investments are held through regulated providers using segregated custody arrangements, keeping them separate from Finom's own assets in accordance with applicable regulatory requirements. As investment products, MMFs are not covered by deposit guarantee schemes.Can I access my money at any time?
Yes. You can redeem your investment whenever you need it. The Money Market Fund we offer operates on a T+0 settlement cycle, meaning transactions are settled on the same business day.How are returns generated?
MMFs earn returns by investing in high-quality short-term instruments such as government securities, bank deposits, and other money market assets. Returns are linked to market interest rates, so they can change over time and are not guaranteed.How is this different from a savings account?
A savings account is a bank deposit, while a Money Market Fund is an investment. Unlike bank deposits, MMFs are not covered by deposit guarantee schemes. Instead, they offer a professionally managed way to keep surplus business cash liquid while earning a variable return.Who manages my investments?
Your investments are held in the BlackRock ICS Euro Liquidity Fund, managed by BlackRock. Investment services are provided by Aksys, an EU-licensed, MiFID-regulated investment firm, while Finom provides access and portfolio management within your account.Are there any fees?
Any applicable fees are reflected before you invest, so you can clearly see the expected charges before making a decision.Are there any tax implications?
Investment returns may be subject to tax depending on your business's jurisdiction and local tax rules. You'll have access to clear investment statements to support your accounting. For tax advice, please consult your accountant or tax adviser.
*An investment in this Money Market Fund is different from an investment in deposits. The principal invested in the Fund is capable of fluctuation. The risk of loss of the principal is to be borne by the investor. The Fund does not rely on external support for guaranteeing its liquidity or for stabilising the net asset value per unit or share. The Fund is not a guaranteed investment. Past performance is no reliable indicator of future results.
