• Dutch 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 cashback on the market

  • International

    All around the globe 24 currencies and 150 countries

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Open account

A year of Premium Plan
for free

Open an account and get a chance to win

  • Users included: 5
  • Wallets included: 3
  • ATM withdrawal limits: €5000
  • Card payment limit: €50,000
  • Virtual cards included: unlimited
  • Physical cards included: 15 (up to 3 per user)
  • In/Out SEPA and Direct debit transfers: 200

Three times cheaper than at traditional banks

Exchange money and transfer worldwide

  • Discover our exceptional exchange rates: Interbank + 0,5%
  • Store money with no commission in any of the 24 currencies available
  • Send funds with a fixed fee of €10 – whatever the amount
  • Expect up to 75% of global transactions to come within the same day

Finom is more than just
a business account

Free physical & virtual cards

Physical and instantly issued virtual cards for you and your team

  • ATM withdrawal limit up to € 10 000 per card
  • Issue, limit, top up or block with just a click
  • Apple Pay & Google Pay
Learn more

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
Learn more

One platform,
endless possibilities

Start with the €0 Solo plan for freelancers. Looking for more?
Enjoy a 1-month free trial for other plans.

-20%

Price

Solo

€ 0

€ 3€ 5

The offer is valid until 30.06.2024
Free

Start

€ 14€ 17

/month (excl. VAT)

you save € 36

One month free, cancel anytime

Premium

€ 28€ 34

/month (excl. VAT)

you save € 72

One month free, cancel anytime

Users included

1

2

5

Cashback

0%

2%

3%

Access to Business Platform

Accounting integrations

All transactions history in smart dashboards

Real-time notifications

Invoice and receipt recognition

Multi-Companies

Number of connected banks and payment service provider

Mobile app (iOS & Android)

99% guaranteed uptime SLA

Role and user management

Accountant access

QR codes for invoices

Manual access to wallets for team members

Visual analytics of income and expenses

Dark theme

Custom plan

Custom

from € 119

Tailored for your business

Apply now
  • special terms on international payments
  • profitable currency exchange rates
  • dedicated account manager

What you get with Finom

  • IBAN in just false hours
  • Free physical & virtual cards
  • Up to 3% cashback
  • Apple Pay & Google Pay
  • Accounting software integration
  • Simple yet powerful invoicing
  • Expense management solution
  • In-cloud Document storage

More than 100,000 entrepreneurs have already taken the step.

And what about you?!

Ergonomic platform, very clear to create your company.

Alexander

Everything is well thought out and super simple to use. I highly recommend Finom, especially if you're just starting out.

Maria

Responsiveness, ease of use, prices lower than the market. It's great to have a tool like this available for a small business.

Peter

Finom is 10 times better and more modern than comparable platforms, the price is very reasonable. I've never experienced such a smooth integration process when opening an account.

Christina

Opening an account is easy. We stay constantly informed of account access and activity, with 2-factor authentication. I'm really satisfied with the service!

Philip

Everything is clear, with no hidden costs, and with a great team on hand to do everything they can to support you! The app is very user-friendly with lots of possibilities.

Anna

Security is our top priority

  • 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

  • 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

Customer support,
providing real-time care

  • Dedicated phone or video support

  • Response time less than 1 minute

  • Interactive Help Center available 24 hours

    24/7

Contact us on e-mail: [email protected]

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.
  • Do I get a Dutch IBAN?

    Yes! Finom benefits from all the advantages of its own license in the Netherlands authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB). Therefore, this makes it possible for customers to receive a Dutch IBAN.
  • How safe is my money with Finom?

    Your money is in safe hands because we strive to provide a high level of security to protect it: - With cutting-edge measures such as Passkeys and the added shield of 3D Secure, confidence accompanies every transaction. - Your account is exclusively linked to your smartphone, providing an additional layer of protection, while real-time push notifications keep you informed of all account activity. - Harnessing the power of artificial intelligence and machine learning, our platform is fortified to safeguard your account against financial crime and card fraud. - The app allows you to customize security to your preferences: you can instantly block or freeze your cards, modify your PIN, and set up spending limits and access controls. In addition to the security measures on the Finom platform and applications, there are also legal regulatory measures of the institution providing your business account, i.e. Safeguarding your account via Finom Payments B.V.: - When you add money to your Finom account or receive payments, we ensure that the equivalent value of electronic money is placed in your account. - It’s important to note that your Finom payment account isn’t a deposit account, which means we can’t pay you interest due to legal restrictions. But rest assured, we keep your money safe and never lend it to anyone else. - We’ve established a separate Safeguarding Foundation, supervised by the DNB, to manage your money as safeguarded customer funds. - We’ve partnered with reliable European banks like BNP Paribas to hold your funds. BNP Paribas is one of the largest banking groups in Europe, minimizing any risk. - Even in unlikely scenarios, such as Finom or BNP Paribas facing bankruptcy, your safeguarded customer funds remain protected. They are not accessible to Finom’s creditors and would be returned to you under the supervision of the DNB. Please note that PNL Fintech B.V. (Finom) does not provide or guarantee these deposit protection methods. For more information, please refer to the Terms of Finom Payments.
  • 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.
  • As a US citizen, can I open an account for my business operating in the EU, and is FATCA compliance required?

    Yes, US citizens are eligible to open a Finom business account for their enterprises established in the EU. Unlike traditional banks, Finom, as a licensed electronic money institution authorized to operate in the European Union (EU) and the European Economic Area (EEA), doesn’t require FATCA (Foreign Account Tax Compliance Act) compliance for opening accounts. We strive to provide financial services to all individuals legally running their businesses in the EU, ensuring compliance with relevant regulations governing our operations. Therefore, US citizens can confidently engage with our platform without needing FATCA documentation.
  • 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.