All-in-one Business Platform
Users included
2
5
10
15
Cashback
2%
3%
unlimited cashback up to 0,5%
unlimited cashback up to 1%
Access to Business Platform
Accounting integrations
All transactions history in smart dashboards
Real-time notifications
Multi-Companies
Number of connected banks and payment service provider
Mobile app (iOS & Android)
99% guaranteed uptime SLA
Role and user management
Accountant access
Manual access to wallets for team members
Visual analytics of income and expenses
Dark theme
Invoicing
Invoices (in/out)
Fast invoice payments by your customers
Invoices statuses tracking
Invoicing API access
Invoice and receipt recognition
Manual reconciliation of invoices and receipts
Credit notes
Customization of invoice templates
Automatic collection of documents
Additional fees for services
Provided by Finom
Monthly fee for extra team member
€ 2 after 2 team members
€ 1 after 5 team members
€ 15 after 10 team members
€ 15 after 15 team members
Fee per recognized document
€ 1,5 after 8
€ 1 after 8
Administrating irregularities
€ 100
€ 100
€ 100
€ 100
Provided by Finom Payments
IBAN for global transfers
Physical VISA card issuance (up to 3 per user)
Physical VISA cards for business owners
€ 0
€ 0
€ 0
€ 0
Physical VISA cards for team members
€ 0
€ 0
€ 0
€ 0
Physical VISA card reissuance
€ 0
€ 0
€ 0
€ 0
Monthly fee for the inactive physical card
€ 1
€ 0
€ 0
€ 0
Virtual VISA card issuance (unlimited)
Virtual VISA cards for team members
€ 0
€ 0
€ 0
€ 0
Monthly fee for the inactive virtual card
€ 0,5
€ 0
€ 0
€ 0
Card payments in EUR (except for certain MCCs)
€ 0
€ 0
€ 0
€ 0
Card payment limit per card (per month)
€ 100.000
€ 100.000
€ 100.000
€ 200.000
Card payments in foreign currency (non-EUR)
2%
1%
1%
1%
Card payments for certain MCCs (%, minimum € 1)
€ 0 - € 500
0%
0%
0%
0%
€ 500 - € 2,500
1%
0%
0%
0%
€ 2,500 - € 5,000
2%
1%
1%
1%
€ 5,000+
3%
3%
2%
2%
Extension of ATM withdrawal limit up to € 10 000 (paid per month)
€ 10 after € 2.000
€ 5 after € 5.000
€ 0
€ 0
Fee for ATM withdrawal amounts (applicable for all cards)
€ 0 - € 2,000
0%
0%
0%
0%
€ 2,000 - € 5,000
1%
1%
1%
1%
€ 5,000 - € 10,000
5%
5%
5%
5%
€ 10,000+
7%
7%
7%
7%
Fee for extra ATM withdrawal (applicable for all cards)
€ 2 after 5 withdrawals
€ 2 after 10 withdrawals
€ 2 after 15 withdrawals
€ 2 after 15 withdrawals
Fee for ATM withdrawals in foreign currency (non-EUR)
2%
1%
1%
1%
Monthly fee for extra wallet
€ 2 after 2 wallets
€ 1 after 3 wallets
€ 15 after 10 wallets
€ 15 after 15 wallets
Fee for extra in/out SEPA transfers & Direct Debits
€ 0,2 after 100
€ 0,2 after 200
€ 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
0%
Decline of Direct Debit
€ 5
€ 5
€ 5
€ 5
Fee for SEPA Instant transfers
€ 0 — € 500
€ 1
€ 1
€ 1
€ 1
€ 500 — € 2,000
€ 3
€ 3
€ 3
€ 3
€ 2,000+
€ 5
€ 5
€ 5
€ 5
Transfers between Finom's users in a few seconds
€ 0
€ 0
€ 0
€ 0
Outgoing international payments (fee per payment)
€ 10
€ 10
€ 5
€ 5
Incoming international payments (fee per payment)
€ 0
*free until 31.07.2024
€ 0
*free until 31.07.2024
€ 5
€ 5
International payments monthly free volume
€ 100.000
€ 100.000
Fee for exceeding monthly free volume of international payments
1%
1%
0,5%
0,3%
Fee for coverage of the International transfer cost, optional
€ 25
€ 25
€ 25
€ 25
Processing bulk payments
Scheduled payments
Repeat payment
Additional fees for special services
Provided by Finom
Express delivery of Finom Card
€ 30
€ 30
€ 30
€ 30
Provided by Finom Payments
Recall of outgoing SEPA SCT
€ 15
€ 15
€ 15
€ 15
Inquiry on SEPA SCT (Payment Investigation)
€ 15
€ 15
€ 15
€ 15
Recall of international payment
€ 60
€ 60
€ 60
€ 60
Outgoing payment investigation
€ 45
€ 45
Incoming payment investigation
€ 50
€ 50
Fee for providing MT103
€ 45
€ 45
Fee for MT199 request
€ 45
€ 45
Audit confirmation statement
€ 100
€ 100
€ 100
€ 100
Unarranged negative balance on Finom Business Account
€ 1 per day
€ 1 per day
€ 1 per day
€ 1 per day
Dunning letter (per letter)
€ 5
€ 5
€ 5
€ 5
Seizures and Garnishments applied to the Finom Business Account (per seizure/garnishment)
€ 25
€ 25
€ 25
€ 25
Personal account manager
Onboarding fee
Applied individually
Applied individually
Applied individually
Applied individually
Compliance fee
Applied individually
Applied individually