All-online Business Account
Forget about hassles, paperwork, queues, and waiting weeks – Finom changes it all.
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.
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
Built-in invoicing & bookkeeping
Get personal expenses & incomes in control and keep your books tidy.
Meet our 200,000+ customers
Read real, authentic reviews
The app is intuitive and easy to use
The app is intuitive and easy to use. It really takes little time to start using. Maybe some more hits could be useful regarding different tax regimes and difference of the documents in them. But overall I am very happy that I am using this app. I saw a competitive app that my friend uses and Finom is definitely simplier and easier to use
Kirill B
June 11, 2026
They are always helpful and transparent
They are always helpful and transparent Very cozy UI and great support. AI support is cool, by the way - not like in others companies
Philipp Dzyadko
June 08, 2026
Usability & Fast Customer Service
I highly appreciate the great usability of the app (simple, clean, efficient) and the fast replies from the customer service. Good job!
Nicolas Limmroth
June 07, 2026
Professional, friendly, and fast
Angelina was super helpful and resolved our issue efficiently.
Chris
June 15, 2026
Prompt responses helpful staff
Prompt responses! Helpful and kind staff. Great help from Elsa!
Miss Louiza Themistokleous
June 15, 2026
Nail Toutaev
June 12, 2026
Advertised 5% – got 0.75% instead
I opened a Finom account specifically because of the prominently advertised 5% p.a. for 5 months interest offer. After completing the onboarding, my account only showed 0.75% p.a. I contacted support and initially received multiple contradictory explanations. Only after repeated follow-up was I told that the 5% offer only applies to selected eligible customers and cannot be applied to my account. The main issue is not the interest rate itself, but the lack of transparency before account opening. If an advertised promotion does not apply to all new customers, this should be made clear upfront and individually before onboarding. Very disappointing first experience. UPDATE: Initial onboarding experience was frustrating due to unclear communication around the advertised 5% interest promotion. My account first showed only 0.75%, and support responses were inconsistent. However, after escalation, Finom contacted me directly, reviewed the case, applied the 5% promotional rate until 16.09.2026, and also offered a goodwill gesture. So while the first impression was poor, I appreciate that they ultimately took ownership and resolved the issue professionally. I hope transparency around promotional eligibility will improve going forward.
Daniel Tridico
April 17, 2026
It's easy open the account end register…
It's easy open the account end register all the documents. It need time for all the notar document. Good
Paolo
April 13, 2026
I am new customer
I am new customer, so in early stage it is difficult to share my experience. But I heard good regarding Finom, that's why I choose it .
Uday Kant
March 30, 2026
Ori Stern - Cross-border Plann
May 29, 2026
Rated 4.7 / 5 based on 13,589 reviews. Showing our latest reviews.
Finom pricing and plans
Subscription plans at a fair cost tailored to fit your business.
For freelancers, who need simple, essential features
You save € 48
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
You save € 72
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
Business account
Business account
Business account
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
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
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
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
You save € 360
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
You save € 1,080
For small to medium-sized businesses scaling at speed. Our most comprehensive package with concierge-level support and full customization
Business account
Business account
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Management Team
Account Manager
Dedicated Account Manager
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
Free VISA virtual cards per user
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Security is our top priority
GDPR Compliance
Our servers are protected and hosted in the European Union
Reliable partners
To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds
Safeguarded funds: unlimited
We have a separate Safeguarding Foundation supervised by the DNB to manage your money
Passkeys and 3D Secure
Your money is protected with secure passwordless authentication and single-use passwords
Customer support, providing real-time care
Help is just a click away
Interactive Help Center available 24 hours
24/7
Fast response time
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.
