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Business account with cashback, invoicing and accounting tools

All-in-one financial solution for SMEs, Freelancers and companies under Registration

Open account
  • € 0 per month

    Open online a fully functional and free business account

  • Up to 3% cashback

    Spend anywhere and receive the highest cashback on the market

  • Expense management

    Expense management solution for team spending control

  • Invoicing

    That gets you paid faster. Simple and powerful

Black Friday Promo ends in:

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One payment, permanent access

No tricks, only treats: buy an annual subscription this Black Friday, and never pay again

  • Free SEPA transfers
  • Cashback: up to 3%
  • Accountant access
  • Expert invoicing tools
  • Virtual cards included: unlimited
  • Users included: up to 5
Open accountLearn more

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

Check out the real-time exchange rate

  • UAE Dirham - د.إ
  • Australian Dollar - $
  • Canadian Dollar - $
  • Swiss Franc - Fr.
  • Offshore Yuan - ¥
  • Czech Koruna - Kč
  • Danish Krone - kr
  • Euro - €
  • Pound sterling - £
  • Hong Kong Dollar - $
  • Hungarian Forint - Ft
  • Israeli New Shekel - ₪
  • Japanese Yen - ¥
  • Mexican Peso - $
  • Norwegian Krone - kr
  • New Zealand Dollar - $
  • Polish Zloty - zł
  • Romanian Leu - lei
  • Saudi Riyal - ﷼
  • Swedish Krona - kr
  • Singapore Dollar - $
  • Turkish lira - ₺
  • American Dollar - $
  • South African Rand - R

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  • UAE Dirham - د.إ
  • Australian Dollar - $
  • Canadian Dollar - $
  • Swiss Franc - Fr.
  • Offshore Yuan - ¥
  • Czech Koruna - Kč
  • Danish Krone - kr
  • Euro - €
  • Pound sterling - £
  • Hong Kong Dollar - $
  • Hungarian Forint - Ft
  • Israeli New Shekel - ₪
  • Japanese Yen - ¥
  • Mexican Peso - $
  • Norwegian Krone - kr
  • New Zealand Dollar - $
  • Polish Zloty - zł
  • Romanian Leu - lei
  • Saudi Riyal - ﷼
  • Swedish Krona - kr
  • Singapore Dollar - $
  • Turkish lira - ₺
  • American Dollar - $
  • South African Rand - R
Last update  UTC

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

  • Store money with no commission in any of the 24 currencies available

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

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

Learn moreOpen account

Integrations that work

  • 50+ accounting and bookkeeping tools for business
  • Store and export your documents effortlessly
  • Synch receipts and invoices in a couple of clicks
  • Simplify your tax filing and financial reporting
Explore

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission for you and your team

  • ATM withdrawal limit up to € 5 000 per card
  • Issue, limit, top up or block with just a click
  • Apple Pay & Google Pay
Learn more

Set up your company with Finom starting from just €99

All-in-one service for business incorporation. No worries, no bureaucracy!

  • Simplify the company setup with our expert guidance
  • Notary appointment in the city of your choice
  • Name check with the Chamber of Commerce and Industry (IHK) and trade registration included
  • Fastest online business account opening
Create a company with Finom

Bookkeeping and expenses
– manage like a boss

Optimize finances – transactions being automapped with invoices
and receipts in accounting ready data

Store documents in Finom to simplify paperwork

Be it receipt, invoice or any other important document – collect it in Finom secure storage in several clicks

Digitalize documents

Extract data from receipt or any other document with auto-recognition feature

Categorize expenses

Track and categorize expenses online. Control where you spend more and reduce costs month-by-month

Manage your taxes by yourself or reduce paid hours of your accountant!

Auto integration of invoicing with Finom API in any e-store, CRM, or ERP

Function of uploading all documents and transactions

Meet our 100,000+ customers

Read real, authentic reviews

  • 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

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 €0 €

StartDetails

Start

7 €9 €

/month (excl. VAT)

you save 24 €

Start trialDetails
Get lifetime access for the cost of 1 year
Black Friday deal

Premium

24 €28 €

/month (excl. VAT)

you save 48 €

Start trialDetails
Get lifetime access for the cost of 1 year
Black Friday deal

Users included

1

2

5

Cashback

0 %

2 %

3 %

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

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What you get with Finom

  • IBAN, opened fully online
  • 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

Security is our top priority

Learn more

  • 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

  • Do I get a German IBAN?

    Yes, you do! All Finom accounts in Germany receive a German IBAN, both through our own license and our partnership with Solaris SE.

  • 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. For accounts operating under Finom’s own licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications provided by PNL Fintech B.V., 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. For more information, please refer to the Terms of Finom Payments. For accounts operating under Solaris licence, there are also legal regulatory measures of the institution providing your business account in addition to the security measures on the Finom platform and applications, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE and not PNL Fintech B.V. For more information, please refer to the Terms of Solaris SE.

  • 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.

  • Under which license does Finom operate?

    PNL Fintech B.V. (Finom) is a cooperating partner of a tech company with a full German banking license Solaris SE (Germany), and an agent of licensed electronic money institutions Treezor SAS (France) and Finom Payments B.V. (the Netherlands, Belgium, Spain, Italy and other EEA countries). 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).

  • Who are Finom’s investors?

    Finom has earned the trust and attracted the interest of global investors such as Target Global (investing in companies like Omio and TravelPerk), General Catalyst (a venture fund from Silicon Valley that has supported Airbnb and Kayak), and FJ Labs (a stage-agnostic consumer-facing fund founded by Fabrice Grinda and headquartered in New York, the number one angel investor in the world according to Forbes).

  • 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.

  • Which legal forms does Finom support in Germany?

    Currently, we accept German companies with the following legal forms:
    • Freiberufler
    • Nicht eingetragenes Einzelunternehmen
    • Selbständige
    • Gesamthandsgemeinschaft
    • LV (Landschaftsverband)
    • SoGem (Sonstige Gemeinschaft ohne eigene Rechtspersönlichkeit)
    • e.V. (eingetragener Verein)
    • V (Verein)
    • WEG (Wohnungseigentümergemeinschaft)
    • EWIV (Europäische Wirtschaftliche Interessenvereinigung)
    • SCE (Europäische Genossenschaft)
    • BRG (Bergrechtliche Gewerkschaft)
    • eG (eingetragene Genossenschaft)
    • Re (Reederei)
    • JPpR (Juristische Person des privaten Rechts)
    • NaV (Nachlassverwalter)
    • RAR (Rechtsform ausländischen Rechts)
    • KöR (Körperschaft des öffentlichen Rechts)
    • EGB (Eigenbetrieb)
    • St (Stiftung)
    • StbR (Stiftung des bürgerlichen Rechts)
    • St+Co OHG (Stiftung & Co. OHG)
    • oHG (offene Handelsgesellschaft)
    • GbR (Gesellschaft bürgerlichen Rechts)
    • GmbH+Co OHG (Gesellschaft mit beschränkter Haftung & Co. Offene Handelsgesellschaft)
    • AG+Co OHG (Aktiengesellschaft & Co. OHG)
    • eGbR (eingetragene Gesellschaft bürgerlichen Rechts)
    • PartG (Partnerschaftsgesellschaft)
    • gGmbH (Gemeinnützige GmbH)
    • GmbH (Gesellschaft mit beschränkter Haftung)
    • GmbH i.G. (GmbH in Gründung)
    • KG (Kommanditgesellschaft)
    • St+Co KG (Stiftung & Co. KG)
    • GmbH & Co. KGaA (Kommanditgesellschaft auf Aktien)
    • AG+Co KG (Aktiengesellschaft & Co. KG)
    • UG+Co KG (Unternehmergesellschaft & Co. KG)
    • GmbH & Co KG (GmbH & Co. Kommanditgesellschaft)
    • SRG (Seerechtliche Gesellschaft)
    • UG (Unternehmergesellschaft)
    • UG i.G. (UG in Gründung)
    • AG (Aktiengesellschaft)
    • SE (Europäische Gesellschaft)
    • AG iG (Aktiengesellschaft in Gründung)
    • KGaA (Kommanditgesellschaft auf Aktien)
    • Ki (Kirchengemeinde)
    • KiSt (Kirchliche Stiftung)
    • eK (eingetragener Kaufmann)
    • Gew (Gewerkschaft)

  • 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.

  • 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.

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

    Yes, Finom allows you to send payments within the SEPA zone, as well as international payments worldwide if the account was opened under Finom’s own license. Accounts opened under a Solaris SE license do not currently support international transfers.