Finom pricing and plans
Subscription plans at a fair cost tailored to fit your business.
Solo
For freelancers and new entrepreneurs who need simple, essential features
/ month
/ month
Start
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 36
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Business account
Users included
1
Users included
2
Users included
5
Multiaccounts
Multiaccounts
Multiaccounts
Cashback
0 %
Cashback
2 %
Cashback
3 %
Dedicated Account Manager
Dedicated Account Manager
Dedicated Account Manager
Credit products
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 0,5
Accounting & Invoicing
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
30+ accounting integrations
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)
Transfers between Finom users
€ 0
Transfers between Finom users
€ 0
Transfers between Finom users
€ 0
SEPA transaction fee
€ 2
SEPA transaction fee
€ 0
SEPA transaction fee
€ 0
VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 3
Physical card monthly maintenance
€ 0
Physical card monthly maintenance
€ 0
International payments (in&out)
€ 5
International payments (in&out)
€ 5
International payments (in&out)
€ 5
Outgoing international payments
2 %
Outgoing international payments
0,9 %
Outgoing international payments
0,8 %
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Start
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 36
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Corporate
For larger businesses requiring advanced features, higher limits, and greater flexibility
/ month
excl. VAT
/ month
excl. VAT
You save € 360
Business account
Business account
Business account
Users included
2
Users included
5
Users included
10
Multiaccounts
Multiaccounts
Multiaccounts
Cashback
2 %
Cashback
3 %
Cashback
unlimited cashback up to 0,5 %
Dedicated Account Manager
Dedicated Account Manager
Dedicated Account Manager
Credit products
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 0,5
Credit line maintenance per day
€ 0,5
Accounting & Invoicing
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
30+ accounting integrations
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)
Transfers between Finom users
€ 0
Transfers between Finom users
€ 0
Transfers between Finom users
€ 0
SEPA transaction fee
€ 0
SEPA transaction fee
€ 0
SEPA transaction fee
€ 0
VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 0
Physical card monthly maintenance
€ 0
Physical card monthly maintenance
€ 0
International payments (in&out)
€ 5
International payments (in&out)
€ 5
International payments (in&out)
€ 5
Outgoing international payments
0,9 %
Outgoing international payments
0,8 %
Outgoing international payments
0,5 %
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Corporate
For larger businesses requiring advanced features, higher limits, and greater flexibility
/ month
excl. VAT
/ month
excl. VAT
You save € 360
Enterprise
The most comprehensive package, providing the fullest range of features for large-scale businesses to leverage all account capabilities
/ month
excl. VAT
/ month
excl. VAT
You save € 1.080
Business account
Business account
Users included
10
Users included
15
Multiaccounts
Multiaccounts
Cashback
unlimited cashback up to 0,5 %
Cashback
unlimited cashback up to 1 %
Dedicated Account Manager
Dedicated Account Manager
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 0,5
Credit line maintenance per day
€ 0,5
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
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)
Transfers between Finom users
€ 0
Transfers between Finom users
€ 0
SEPA transaction fee
€ 0
SEPA transaction fee
€ 0
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 0
Physical card monthly maintenance
€ 0
International payments (in&out)
€ 5
International payments (in&out)
€ 5
Outgoing international payments
0,5 %
Outgoing international payments
0,3 %
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Custom
Customize your plan and unlock exclusive benefits with Finom:
- Set personalized limits
- Tailor your international payments
- Enjoy the highest cashback rates
- Handle unpredictable inquiries with ease
All-in-one Business Platform
You save € 36
You save € 72
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
0 %
2 %
3 %
Users included
1
2
5
Monthly fee for extra team member
€ 4
€ 2
€ 1
Dedicated Account Manager
Credit products
Monthly interest rate
from 1 %
from 1 %
from 1 %
Credit line maintenance per day
€ 1
€ 1
€ 0,5
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
€ 0
€ 0
€ 0
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€ 0
€ 0
€ 0
Outgoing SEPA transfers
€ 2
€ 0
€ 0
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after € 25.000
0,1% after € 50.000
0,1% after € 100.000
SEPA Instant transfers
€ 0 - € 500
€ 1
€ 0
€ 0
€ 500+
€ 2
€ 0
€ 0
Decline of Direct Debit
€ 5
€ 5
€ 5
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
3
Monthly card payment limit
€ 100.000
€ 100.000
€ 100.000
Monthly ATM withdrawal limit
€ 500
€ 2.000
€ 5.000
Card payments in foreign currency (non-EUR)
€ 0 - € 500
3 %
0 %
0 %
€ 500 - € 1.000
3 %
2 %
1 %
€ 1.000+
3 %
2 %
1 %
ATM withdrawals in foreign currency (non-EUR)
3 %
2 %
1 %
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
3 %
2 %
1 %
€ 500 - € 2.500
4%
3%
2%
€ 2.500 - € 5.000
5%
4%
3%
€ 5.000+
6%
5%
4%
ATM withdrawal amounts (applicable for all cards)
€ 0 - € 500
1 %
0 %
0 %
€ 500 - € 2.000
3 %
1 %
0 %
€ 2.000 - € 5.000
5%
5%
3%
€ 5.000 - € 10.000
8%
8%
5%
€ 10.000+
8%
8%
8%
Monthly fee for physical VISA card
€ 3
€ 0
€ 0
Monthly fee for the inactive physical card
€ 0
€ 1
€ 0
Virtual VISA card issuance
Monthly fee for virtual VISA Card
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 1
€ 0,5
€ 0
Special offers
International payments
Outgoing international payments (fee per payment)
€ 5
€ 5
€ 5
Incoming international payments (fee per payment)
€ 5
€ 5
€ 5
Fee for the volume of international payments
2 %
0,9 %
0,8 %
Coverage of the International transfer cost, optional
€ 35
€ 35
€ 35
Additional fees for special services
Monthly fee for extra wallet
€ 4 after 1
€ 2 after 2
€ 1 after 3
Express delivery of Finom Card
€ 15
€ 15
€ 15
Reference letter fee for business
€ 80
€ 80
€ 80
Business Account Closure Refund Processing Fee
€ 5
€ 5
€ 5
Recall of outgoing SEPA SCT
€ 15
€ 15
€ 15
Inquiry on SEPA SCT (Payment Investigation)
€ 15
€ 15
€ 15
Recall of international payments
€ 60
€ 60
€ 60
Outgoing payment investigation
Incoming payment investigation
Fee for providing MT103
€ 20
€ 20
€ 20
Fee for MT199 request
€ 45
€ 45
€ 45
Audit confirmation statement
€ 100
€ 100
€ 100
Unarranged negative balance on Finom Business Account
€ 1 per day
€ 1 per day
€ 1 per day
Dunning letter (per letter)
€ 5
€ 5
€ 5
Card dispute for an authorised transaction (per transaction)
€ 30
€ 30
€ 30
Administrating irregularities applied to the Finom Business Account
€ 25
€ 25
€ 25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Compliance fee
Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.
For our detailed price list, download PDF here
All-in-one Business Platform
You save € 36
You save € 72
You save € 360
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
2 %
3 %
unlimited cashback up to 0,5 %
Users included
2
5
10
Monthly fee for extra team member
€ 2
€ 1
€ 15
Dedicated Account Manager
Credit products
Monthly interest rate
from 1 %
from 1 %
from 1 %
Credit line maintenance per day
€ 1
€ 0,5
€ 0,5
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
€ 0
€ 0
€ 0
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€ 0
€ 0
€ 0
Outgoing SEPA transfers
€ 0
€ 0
€ 0
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after € 50.000
0,1% after € 100.000
0,1% after € 200.000
SEPA Instant transfers
€ 0 - € 500
€ 0
€ 0
€ 0
€ 500+
€ 0
€ 0
€ 0
Decline of Direct Debit
€ 5
€ 5
€ 5
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
3
Monthly card payment limit
€ 100.000
€ 100.000
€ 100.000
Monthly ATM withdrawal limit
€ 2.000
€ 5.000
€ 5.000
Card payments in foreign currency (non-EUR)
€ 0 - € 500
0 %
0 %
1 %
€ 500 - € 1.000
2 %
1 %
1 %
€ 1.000+
2 %
1 %
1 %
ATM withdrawals in foreign currency (non-EUR)
2 %
1 %
1 %
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
2 %
1 %
1 %
€ 500 - € 2.500
3%
2%
1%
€ 2.500 - € 5.000
4%
3%
2%
€ 5.000+
5%
4%
3%
ATM withdrawal amounts (applicable for all cards)
€ 0 - € 500
0 %
0 %
0 %
€ 500 - € 2.000
1 %
0 %
0 %
€ 2.000 - € 5.000
5%
3%
0 %
€ 5.000 - € 10.000
8%
5%
0 %
€ 10.000+
8%
8%
0 %
Monthly fee for physical VISA card
€ 0
€ 0
€ 0
Monthly fee for the inactive physical card
€ 1
€ 0
€ 0
Virtual VISA card issuance
Monthly fee for virtual VISA Card
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 0,5
€ 0
€ 0
Special offers
International payments
Outgoing international payments (fee per payment)
€ 5
€ 5
€ 5
Incoming international payments (fee per payment)
€ 5
€ 5
€ 5
Fee for the volume of international payments
0,9 %
0,8 %
0,5 %
Coverage of the International transfer cost, optional
€ 35
€ 35
€ 35
Additional fees for special services
Monthly fee for extra wallet
€ 2 after 2
€ 1 after 3
€ 15 after 10
Express delivery of Finom Card
€ 15
€ 15
€ 15
Reference letter fee for business
€ 80
€ 80
€ 80
Business Account Closure Refund Processing Fee
€ 5
€ 5
€ 5
Recall of outgoing SEPA SCT
€ 15
€ 15
€ 15
Inquiry on SEPA SCT (Payment Investigation)
€ 15
€ 15
€ 15
Recall of international payments
€ 60
€ 60
€ 60
Outgoing payment investigation
€ 45
Incoming payment investigation
€ 50
Fee for providing MT103
€ 20
€ 20
€ 20
Fee for MT199 request
€ 45
€ 45
€ 45
Audit confirmation statement
€ 100
€ 100
€ 100
Unarranged negative balance on Finom Business Account
€ 1 per day
€ 1 per day
€ 1 per day
Dunning letter (per letter)
€ 5
€ 5
€ 5
Card dispute for an authorised transaction (per transaction)
€ 30
€ 30
€ 30
Administrating irregularities applied to the Finom Business Account
€ 25
€ 25
€ 25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Compliance fee
Applied individually
Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.
For our detailed price list, download PDF here
All-in-one Business Platform
You save € 360
You save € 1.080
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
unlimited cashback up to 0,5 %
unlimited cashback up to 1 %
Users included
10
15
Monthly fee for extra team member
€ 15
€ 15
Dedicated Account Manager
Credit products
Monthly interest rate
from 1 %
from 1 %
Credit line maintenance per day
€ 0,5
€ 0,5
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Fee per recognized document (free while beta)
€ 0
€ 0
Role and user management
Visual analytics of income and expenses
Customization of invoice templates
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
€ 0
€ 0
Outgoing SEPA transfers
€ 0
€ 0
Fee for extra SEPA OUT & Direct Debit transfers (per month)
0,1% after € 200.000
0 %
SEPA Instant transfers
€ 0 - € 500
€ 0
€ 0
€ 500+
€ 0
€ 0
Decline of Direct Debit
€ 5
€ 5
Scheduled payments
Bulk payments
Card payments
Physical VISA card issuance per user
3
3
Monthly card payment limit
€ 100.000
€ 100.000
Monthly ATM withdrawal limit
€ 5.000
€ 5.000
Card payments in foreign currency (non-EUR)
€ 0 - € 500
1 %
1 %
€ 500 - € 1.000
1 %
1 %
€ 1.000+
1 %
1 %
ATM withdrawals in foreign currency (non-EUR)
1 %
1 %
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
1 %
1 %
€ 500 - € 2.500
1%
1%
€ 2.500 - € 5.000
2%
2%
€ 5.000+
3%
3%
ATM withdrawal amounts (applicable for all cards)
€ 0 - € 500
0 %
0 %
€ 500 - € 2.000
0 %
0 %
€ 2.000 - € 5.000
0 %
0 %
€ 5.000 - € 10.000
0 %
0 %
€ 10.000+
0 %
8%
Monthly fee for physical VISA card
€ 0
€ 0
Monthly fee for the inactive physical card
€ 0
€ 0
Virtual VISA card issuance
Monthly fee for virtual VISA Card
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 0
€ 0
Special offers
International payments
Outgoing international payments (fee per payment)
€ 5
€ 5
Incoming international payments (fee per payment)
€ 5
€ 5
Fee for the volume of international payments
0,5 %
0,3 %
Coverage of the International transfer cost, optional
€ 35
€ 35
Additional fees for special services
Monthly fee for extra wallet
€ 15 after 10
€ 15 after 15
Express delivery of Finom Card
€ 15
€ 15
Reference letter fee for business
€ 80
€ 80
Business Account Closure Refund Processing Fee
€ 5
€ 5
Recall of outgoing SEPA SCT
€ 15
€ 15
Inquiry on SEPA SCT (Payment Investigation)
€ 15
€ 15
Recall of international payments
€ 60
€ 60
Outgoing payment investigation
€ 45
€ 45
Incoming payment investigation
€ 50
€ 50
Fee for providing MT103
€ 20
€ 20
Fee for MT199 request
€ 45
€ 45
Audit confirmation statement
€ 100
€ 100
Unarranged negative balance on Finom Business Account
€ 1 per day
€ 1 per day
Dunning letter (per letter)
€ 5
€ 5
Card dispute for an authorised transaction (per transaction)
€ 30
€ 30
Administrating irregularities applied to the Finom Business Account
€ 25
€ 25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Compliance fee
Applied individually
Applied individually
Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.
For our detailed price list, download PDF here
FAQ
Is entering payment details required for a trial?
No, Finom offers a free trial for one month, and you can start without providing payment details. You can cancel anytime during the trial period without being charged.Can I cancel my subscription at any time?
You can cancel your subscription at any time. However, if you’ve paid for a full year and choose to cancel before the year ends, we cannot refund the cost of the unused months. For more details, please refer to our Terms and Conditions.What payment methods are supported?
Finom supports several payment methods, including SEPA transfers, card payments, and more. The specific methods vary depending on the region.Can I switch to another plan at any time?
If you pay monthly and switch plans, your new plan will take effect after your current subscription ends, at the end of the month. If you pay yearly, your new plan will begin once your current subscription expires, at the end of the year.How quickly can I get help with technical issues?
Finom provides customer support on weekdays from 9am to 6pm CET. Additionally, it offers a wide range of self-service resources, including articles and FAQs in its Help Center.In what cases is a refund for the subscription possible?
Finom’s refund policies depend on the situation and are typically covered by the customer service team. It's best to contact them directly for specific refund requests.Can I create a custom plan if my business requires unique features?
Finom offers various tailored subscription options, including 'Corporate' and 'Enterprise' plans that can be adjusted based on specific needs.
