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A one-stop Business Account for freelancers

Streamline daily financial tasks with Finom’s Business Account. Pay globally, invoice, and control incomes, all in one place. Simplify and save while focusing on what you do best.
Open account

  • European IBAN

    Account opened online in 24 hours

  • € 0 per month

    Start with fully functional free Solo plan

  • Up to 3% cashback

    Spend anywhere and receive the highest rebate on the market

  • International

    All around the globe 17 currencies and 150 countries

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

  • Discover our exceptional exchange rates: Interbank + 0,5%

  • Send and receive funds with a fixed fee of €5

  • Store money with no commission in any of the 17 currencies available

  • Expect up to 75% of global transactions to come within the same day

Open account

Expense Management

Get personal and team expenses in control and keep your books tidy

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

  • Get employees' receipts uploaded with just a camera tap

  • Bulk export of documents and transactions data

Open account

Meet our 200,000+ customers

Read real, authentic reviews
Verified

Great customer service

The UI is good, but not very good. Anyway, I gave it 5 stars because the customer support was VERY fast and pro-active. Please, keep that up! I am a happy customer.

Jan Schulz

01 November 2026

Verified

Excellent customer services

Excellent customer services. Any issue I have had was dealt with quickly. Fast response times. Great app and banking services. Thanks

AMac

31 October 2026

Verified

Nice business Management App

Very nice, I have been using it from longer time. It help me to get partial payments from my customers. Helped me to issue invoices and receipt. Thank you

Ghulam Mohy Ul Din

30 October 2026

Verified

Exceptional and hassle-free support – Thank you Lori!

I recently faced an extremely time-critical administrative hurdle regarding my business account. While other banks often leave you on hold with standard automated responses in situations like this, Finom proved how modern customer service should work. A massive thank you to Lori from the Customer Success Team! She understood my issue immediately and resolved it incredibly fast, pragmatically, and with a refreshingly human touch. As an entrepreneur, this is exactly the kind of reliable, unbureaucratic support you need backing you up. Highly recommended!

Jürgen Reinold

29 October 2026

Verified

With Jose`s answer it felt like in the…

With Jose`s answer it felt like in the good old days! Personal, honest and thoughtful. You feel like someone cares!!

hollenbachhanf

29 October 2026

Verified

Great and fast human customer service…

Great and fast human customer service if AI is not working not there yet. Flexible and accommodating with a clear customer satisfaction focus. AI accounting is not an alternative to a real accountant if it comes to a GmbH in Germany, but the banking experience is very good.

Sebastian Till Alexander Schäf

28 October 2026

Verified

Nothing is free, but its ok

Nothing is free. But if the value for money is right, then that's fine. I believe everything is just right here.

Levente Szücs

15 October 2026

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

16 July 2026

Verified

You helped me with one problem.

You helped me with one problem.

Margit Kühnel

22 October 2026

Verified

Cyclum Fin

We re waiting for accept of transfer but the contact with Finom is good

Andrey

08 October 2026

Rated 4.8 / 5 based on 16 281 reviews. Showing our latest reviews.

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

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 manager

Role and user manager

Role and user manager

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

Business account

Provided by PNL Fintech B.V.

Business account

Provided by PNL Fintech B.V.

Business account

Provided by PNL Fintech B.V.

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

Full plan details

Security is our top priority

security-label

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

    gdpr

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

    banks

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

    dnb

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

    3d-secure
Learn more

Customer support, providing real-time care

Help is just a click away

Interactive Help Center available 24 hours

24/7

Fast response time

Contact us on e-mail:

FAQ

  • What is Finom?

    Finom is a European fintech company built for entrepreneurs and small to medium-sized enterprises. We believe that small businesses are the foundation of the European economy, so our goal is to simplify the lives of those who provide for half of Europe. We came to bring the technologies of the future to business management processes for entrepreneurs, enabling them to spend their resources where it matters the most: on their businesses and themselves. That’s why we combined all these different financial services, such as accounting, financial management, and a business account, into one convenient solution. Early-stage businesses can sign up for an online account within minutes and immediately enjoy our features’ advantages via our mobile and web apps.

  • When did the project start?

    Founded in the Netherlands in 2019 by a group of experienced fintech entrepreneurs, Finom entered Europe’s market as the smartest and fastest e-invoicing solution. Now Finom is a trusted financial platform with approximately €1 billion in monthly transactions and serves thousands of entrepreneurs from France, Germany, the Netherlands, Belgium, Italy, Spain, and Poland daily.

  • How does Finom differ from competitors?

    At Finom, we are setting new standards for doing business, demonstrating how finances can and should be managed in the modern world – as easily as using your smartphone. With us, you can track your expenses and income and categorize your movement to know where and how you spend. We provide bank account aggregation so you can monitor all your flows in one place. You will have your IBAN, physical and virtual cards loaded with cashback and the chance to manage your invoices, matching them with transactions.

  • How many customers does Finom have?

    Finom’s customers include over 200,000 freelancers, self-employed, startups, and small to medium-sized companies from all across Europe.

  • Is my data safe with Finom?

    Finom protects your data and guarantees the highest level of security: Finom has no access to your online banking credentials, and they are double-encrypted (for additional protection) using passkeys or a one-time password that must be entered each time you try to log in). All data transfers are transmitted over TLS-encrypted channels and are thereby protected via end-to-end encryption. We do not store your personal data against your will or without your explicit consent. Finom is GDPR (DSGVO for Germany and RGPD for France) compliant, which means that you can revoke your consent to the processing of your personal data at any time. Finom Privacy Policy regulates the processing of your personal data.

  • How does a Finom business account differ from a traditional bank account?

    Finom is a fintech company and NOT a bank. Finom allows you to access some services associated with traditional banking, such as payments, withdrawals, and cards, but in the fastest and smartest way. With Finom, you can set up a business account in a few seconds, check your balance on the go, get cashback of up to 3%, create and send invoices, rely on real-time customer support, delegate tasks to team members, monitor your expenses and incomes, and have them categorized according to your habits.

  • Under which license does Finom operate?

    Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB), to operate in the European Union (EU) and the European Economic Area (EEA).

  • What documents do I need to open an account?

    Whether you are a freelancer or own a company, opening your Finom business account only takes a few minutes. You will only need three things for it:
    • The email address and password you used for the pre-registration (if you forgot them, click ‘forgot password’)
    • Your ID or passport ready to verify your identity
    • All the information about your business

  • Can entrepreneurs from any country open an account?

    Currently, we open business accounts for companies based in and operating from Germany, France, Italy, the Netherlands, Belgium, and Spain. Our invoicing plan is available in Poland, while freelancer and customized corporate tariffs can be picked by any of the EEA countries’ entrepreneurs. The legal representative (the sole individual authorized to open a business account on behalf of a company) and the beneficial owners must possess a valid residence permit in one of the mentioned countries, irrespective of the country where their passport/ID card is issued. Additionally, we welcome applications from US residents and citizens establishing businesses in the EU.

  • Who is the legal representative?

    To open your Finom business account, you must be your company’s legal representative. A legal representative is a natural person who is authorized to act on behalf of the company and is empowered to perform all actions related to the general administration of the company under the company’s purpose, such as a CEO.

  • How can I withdraw funds from my account or make deposits into it?

    A Finom Business Account has all the main services of a traditional bank, such as making withdrawals from the account and depositing funds into it. You can use a SEPA transfer from your other bank account to deposit into an account. To withdraw, you can use your physical Finom card at any European ATM, free amount to withdraw per month depends on your chosen plan.

  • Can I make SEPA and international transfers with Finom (like SWIFT or similar)?

    Yes, Finom allows you to send payments within the SEPA zone as well as international payments worldwide.

  • Does your support team speak my language?

    Of course! Our customer care team speaks all the languages of the countries we cover, like German, French, Dutch, Italian, Spanish, Polish, and more. And yes, English too, of course. So, language won’t be a barrier when you need assistance.

  • If I need help, can I talk to someone?

    Finom users can rely on fast and prompt Customer Care support that replies and solves all your questions, concerns, and difficulties in a few minutes, in your language. You can reach us via a live chat in the mobile application and the web version or by email during office hours.