Finom pricing and plans
Subscription plans at a fair cost tailored to fit your business.
Basic
For individual entrepreneurs and companies looking to scale their business
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Smart
Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 72
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
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
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
Basic
For individual entrepreneurs and companies looking to scale their business
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Smart
Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Users included
2
Users included
Cashback
1 %
Cashback
3 %
AI Assistant
AI Assistant
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Account Manager
Account Manager
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 0,5
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)
Free outgoing SEPA transfers
€ 25.000
Free outgoing SEPA transfers
€ 50.000
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Outgoing international transfers
0.50 %
Outgoing international transfers
0.40 %
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
All-in-one Business Platform
You save € 48
You save € 72
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
0 %
1 %
3 %
Users included
1
2
Expense management
Team cards personalization
AI Assistant
Chat support
Up to 1 business day
Up to 3 hours
Up to 3 minutes
Email support
Up to 1 business day
Up to 3 hours
Up to 30 minutes
Weekend support
Account Manager
Credit products
Monthly interest rate
from 1 %
from 1 %
from 1 %
Credit line maintenance per day
€ 1
€ 1
€ 0,5
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
Extra SEPA OUT & Direct Debit transfers (per month)
€ 0 - € 2500
0 %
0 %
0 %
€ 2.500 - € 10.000
0.30 %
0 %
0 %
€ 10.000 - € 25.000
0.30 %
0 %
0 %
€ 25.000 - € 50.000
0.30 %
0.03 %
0 %
€ 50.000 - € 100.000
0.30 %
0.03 %
0.025 %
€ 100.000 +
0.30 %
0.03 %
0.025 %
SEPA Instant transfers
Decline of Direct Debit
€ 5
€ 5
€ 5
Scheduled payments
Bulk payments
Card payments
Free physical cards
0
1 per user
3 per user
Physical card monthly maintenance
€ 3
0
0
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 the inactive physical card
€ 0
€ 1
€ 0
Virtual cards
1 per user
3 per user
10 per user
Monthly fee for virtual VISA Card
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 1
€ 0,5
€ 0
Free card express delivery
Basic card limits management
Advanced card limits management
Special offers
International payments
Incoming international payments (fee per payment)
€ 5
€ 5
€ 5
Outgoing international payments (fee per payment)
€ 5
€ 5
€ 5
Fee for the outgoing volume of international payments
1 %
0.50 %
0.40 %
Coverage of the International transfer cost, optional
€ 35
€ 35
€ 35
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Role and user management
Customization of invoice templates
Visual analytics of income and expenses
Additional fees for special services
Express delivery of Finom Card
€ 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
Refusal to redeem an authorized direct debit due to insufficient account balance
€ 1
€ 1
€ 1
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)
€ 15
€ 15
€ 15
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 € 48
You save € 72
Business Account
Personal IBAN (unique account number for global transfers)
Multiaccounts
Cashback
1 %
3 %
Users included
2
Expense management
Team cards personalization
AI Assistant
Chat support
Up to 3 hours
Up to 3 minutes
Email support
Up to 3 hours
Up to 30 minutes
Weekend support
Account Manager
Credit products
Monthly interest rate
from 1 %
from 1 %
Credit line maintenance per day
€ 1
€ 0,5
Provided by Finom Payments
SEPA payments
Transfers between Finom's users in a few seconds
Extra SEPA OUT & Direct Debit transfers (per month)
€ 0 - € 2500
0 %
0 %
€ 2.500 - € 10.000
0 %
0 %
€ 10.000 - € 25.000
0 %
0 %
€ 25.000 - € 50.000
0.03 %
0 %
€ 50.000 - € 100.000
0.03 %
0.025 %
€ 100.000 +
0.03 %
0.025 %
SEPA Instant transfers
Decline of Direct Debit
€ 5
€ 5
Scheduled payments
Bulk payments
Card payments
Free physical cards
1 per user
3 per user
Physical card monthly maintenance
0
0
Monthly card payment limit
€ 100.000
€ 100.000
Monthly ATM withdrawal limit
€ 2.000
€ 5.000
Card payments in foreign currency (non-EUR)
€ 0 - € 500
0 %
0 %
€ 500 - € 1.000
2 %
1 %
€ 1.000+
2 %
1 %
ATM withdrawals in foreign currency (non-EUR)
2 %
1 %
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
2 %
1 %
€ 500 - € 2.500
3%
2%
€ 2.500 - € 5.000
4%
3%
€ 5.000+
5%
4%
ATM withdrawal amounts (applicable for all cards)
€ 0 - € 500
0 %
0 %
€ 500 - € 2.000
1 %
0 %
€ 2.000 - € 5.000
5%
3%
€ 5.000 - € 10.000
8%
5%
€ 10.000+
8%
8%
Monthly fee for the inactive physical card
€ 1
€ 0
Virtual cards
3 per user
10 per user
Monthly fee for virtual VISA Card
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 0,5
€ 0
Free card express delivery
Basic card limits management
Advanced card limits management
Special offers
International payments
Incoming international payments (fee per payment)
€ 5
€ 5
Outgoing international payments (fee per payment)
€ 5
€ 5
Fee for the outgoing volume of international payments
0.50 %
0.40 %
Coverage of the International transfer cost, optional
€ 35
€ 35
Accounting & Invoicing
Accounting integrations up to 30 tools (Sage, NetSuite, Odoo, etc.)
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Role and user management
Customization of invoice templates
Visual analytics of income and expenses
Additional fees for special services
Express delivery of Finom Card
€ 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
Incoming payment investigation
Fee for providing MT103
€ 20
€ 20
Fee for MT199 request
€ 45
€ 45
Audit confirmation statement
€ 100
€ 100
Refusal to redeem an authorized direct debit due to insufficient account balance
€ 1
€ 1
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)
€ 15
€ 15
Administrating irregularities applied to the Finom Business Account
€ 25
€ 25
Personal account manager
Onboarding fee
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
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.
