Not a bank,
but more

FINOM is the only financial service that combines a banking business account, invoicing, and accounting software integration

Try for free

Manage your finances easily on your smartphone

  • Banking business account

    • German IBAN
    • Web&App
  • Reconciliation

    • Auto connection invoices with banking payments
  • Accounting

    • Full or limited safe access for your accountant
    • Integrations with DATEV Online, sevDesk, FastBill, Sorted, and more
  • Customer support

    • Support reaction less than 5 min
    • 92% of customers rated our work with 5 stars
  • Invoicing

    • Automatic payment reminders to your customer
    • 60 sec to create an invoice and send it to the client with:
    • Link inside the invoice allows to pay just in one click
  • Cards

    • Free plastic and virtual cards
    • Cashback 0.3% on all card payments

Free virtual and plastic card for your business

Issue and block virtual cards within one minute

Customize virtual card limits for different employees

Our virtual card service is free of charge

Easily pay anywhere with

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our general partner in Germany

Experience key benefits, relevant
to your business

  • For freelancer or self-starter

    • € 0 tariff plan
    • All the necessary online banking functions
    • Free cards
    • Cashback 0.3% for all expences
    • Simple invoicing
  • For business with employees

    • Safe access for employees and accountant
    • Reconciliation
    • Money collection tools
    • Analytic data reports
    • Accounting software integrations
  • If company is under registration

    • Credit your account with authorised funds
    • Get statements
    • Complete registration of your legal entity GmbH i.G, or UG i.G.

What our clients say about us

Get fast and professional support from our Customer Care team!

  • Our service provided in:
    german english
  • 92% of customers rated our service with
    5 stars
  • Available Mon - Fri 9am - 6pm CET

We respond:

  • 1 min

    via chat

  • 10 min

    via email

or contact us on e-mail:
[email protected]

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

  • The only one service with a banking account, invoicing and accounting software integration together

  • Sync your transactions and invoices - create tax reports in no time at all

Easily connect your FINOM account to:

No more donkey work, don’t waste time

  • Connect your business or personal bank account to FINOM

  • See all your transactions in FINOM dashboard

  • Easily connect invoices with incoming payments

Try for free

Stop overpaying banks

We made the most affordable plan for freelancers and self-starters - € 0
We want to prove we are the best for your company!
Please enjoy 1 month free* for all our extended options!

  • Invoicing Solo

    Free
    Sign up
    • Maximum users

      1
    • Multi-Banking. Connected banks

    • Invoices statuses tracking

    • Accounting integrations (soon)

    • Support (SLA < 30 minutes)

  • Invoicing Start

    € 4.99/mo
    € 6.99/mo

    excl. VAT

    billed annually, you save € 24

    Sign up
    • Maximum users

      3
    • Multi-Banking. Connected banks

    • Invoices statuses tracking

    • Accounting integrations (soon)

    • Support (SLA < 30 minutes)

  • Solo

    € 0/mo
    Free
    Open account
    • Maximum users

      1
    • Wallets

      1
    • Plastic Cards included (1 per user)

      1
    • Virtual cards included (max 10 per user)

      1
    • Withdrawal limits

      € 10,000
    • In/Out SEPA transfers

      50
    • Mobile App (iOS & Android)

  • Start

    € 14.99/mo
    € 21.41/mo

    excl. VAT

    billed annually, you save € 77

    Open account

    and get 1 months free*

    • Maximum users

      3
    • Wallets

      2
    • Plastic Cards included (1 per user)

      2
    • Virtual cards included (max 10 per user)

      2
    • Withdrawal limits

      € 10,000
    • In/Out SEPA transfers

      100
    • Mobile App (iOS & Android)

  • Corporate

    € 129.99/mo
    € 185.70/mo

    excl. VAT

    billed annually, you save € 668

    Open account

    and get 1 months free*

    • Maximum users

    • Wallets

      4
    • Plastic Cards included (1 per user)

      20
    • Virtual cards included (max 10 per user)

      50
    • Withdrawal limits

      € 10,000
    • In/Out SEPA transfers

    • Mobile App (iOS & Android)

Pay annually Pay monthly

What you get with FINOM

  • Automatic reconciliation of invoices and receipts
  • Secure cloud storage
  • Payment auto-reminders for customers
  • Accountant access
  • Free iPhone and Android Apps
  • Smart filters and reports
  • Free high-speed support

*The offer is limited in time and subject to terms and conditions

The financial service that pays you back

0.3%

Profit from your expenses:
get 0.30% cashback on all card payments

Your invoice will always be paid on time

  • Create invoice in 60 seconds with web or mobile App

  • Stand out of the crowd! Design your invoices the way you want

  • Send your customer an invoice to their preferred channel, whether it's email, Whatsapp or Facebook. Close the deal in no time!

  • FINOM can send friendly automatic reminders to your customers, so they won't forget to pay

  • Using the link inside each invoice allows your customer to pay in just one click

Try for free

Track your current and future cash flow using the new smart dashboard

Search, categorise, and filter all your data:

  • By type (logistics, marketing, staff, a specific project, etс.)
  • By any period
  • For specific client or supplier

Invite your team members or your accountant to access your FINOM account safely

Invite new users to join your account, assigning them full, or limited access to view, create or download invoices.

Try for free

Free withdrawals of up to € 10,000
per month at any ATM in Europe

Try for free

About us

  • We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

    Eric Sohl

    Head of business in Germany

    7 years in e-commerce and tech partnerships, business development, operations, and product. Previously, the co-founder of an online baby store and an independent music label. Lives in Hamburg, Germany

  • That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

    Alena Valovaya

    Co-founder

    4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

  • Our goal is to simplify the life of those who provide for half the Europe.

    Thomas Finan

    Co-founder

    10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

  • We're using FINOM every day ourselves because we believe that we deserve the best. We're improving FINOM every day based on what entrepreneurs wish and desire. And of course, we're going to build more services for those like us. For those whom “enough” is not enough.

    Ivo Dimitrov

    Co-founder

    6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

About us

Eric Sohl

Head of business in Germany

7 years in e-commerce and tech partnerships, business development, operations, and product. Previously, the co-founder of an online baby store and an independent music label. Lives in Hamburg, Germany

We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

About us

Alena Valovaya

Co-founder

4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

About us

Thomas Finan

Co-founder

10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

Our goal is to simplify the life of those who provide for half the Europe.

About us

Ivo Dimitrov

Co-founder

6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

We're using FINOM every day ourselves because we believe that we deserve the best. We're improving FINOM every day based on what entrepreneurs wish and desire. And of course, we're going to build more services for those like us. For those whom “enough” is not enough.

Eric
Sohl

Alena
Valovaya

Thomas
Finan

Ivo
Dimitrov

We work in Germany as a cooperating partner empowered by Solarisbank. As a holder of a banking license, Solarisbank is supervised by the BaFin (the Federal Financial Supervisory Authority in Germany) and meets all European regulatory requirements.

Our clients’ funds are guaranteed up to € 100,000 by the European Deposit Guarantee Fund

  • Our servers are protected and hosted in the European Union

    We comply with the 2016 General Data Protection Rules (GDPR)

  • Your data is protected

    All information and registration data are encrypted before being sent to our servers so that no one can intercept them.

    Access to App with password authorization, PIN, fingerprint and face recognition technologies

  • Your money is protected

    Confirm each online card transaction with a unique one-time password.

    Real-time transaction notifications and an instant balance update

FAQ

  • Do I have a local IBAN?

    In order to offer financial services in Germany, Finom benefits from all the advantages of its partnership with the German company Solaris Bank. Therefore, it is possible for customers to receive a German IBAN.

  • How safe is my money with FINOM?

    Your money is in good hands with FINOM, because we guarantee the highest level of security.

    This is primarily due to our strong and reliable partnership with Solaris Bank and Treezor - two service providers recognized and approved by different institutions. This means that a business account with Finom is protected by deposit insurance (up to € 100,000).

  • 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 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. In addition, FINOM is DSGVO compliant, which means that you can close your account at any time and revoke your consent to the processing of your personal data at any time. We do not store your data against your will or without your explicit consent.
  • What licence does FINOM use?

    To better manage your account and provide you with the highest level of security, we work with Treezor a French fintech company and Solaris a German fintech company in the financial services area to provide you with an IBAN and process your payments.

  • Who are FINOM's investors?

    FINOM has gained the interest and trust of global investors. They include Target Global (already an investor in companies such as Omio and TravelPerk), General Catalyst (a Silicon Valley venture capital fund that has backed companies such as Airbnb and Kayak), and FJ Labs, a New York City-headquartered, phase-independent, consumer-focused fund founded by Fabrice Grinda, the No. 1 angel investor in the world, according to Forbes.

  • Who are FINOM's founders?

    FINOM is a fintech company founded in 2019 by a team of successful modern serial entrepreneurs. The four founders Andrey Petrov, Oleg Laguta, Konstantin Stiskin and Yakov Novikov have decades of experience in IT and modern banking development. As founders of one of the most profitable neobanks in Europe, currently serving more than 250,000 customers, including entrepreneurs and the self-employed, they have launched a highly successful project. Their work is supported by a group of experienced and enthusiastic entrepreneurs, and so FINOM has entered the market as a 'full-featured' financial service provider for SMEs and freelancers.

  • Can entrepreneurs from any country open an account?

    Currently, you can easily open a business account with FINOM for companies that are based and do business in France or Germany. The legal representative (the only person who can open a business account on behalf of a company), as well as the beneficial owners, must have a valid residence permit in one of these two countries, regardless of the country of issue of his or her passport/ID card.

    We plan to add more European countries in the future. However, if you are the owner of a company based in the US or if US taxpayers have an interest in your company, we are currently unable to open a business account for you (due to the FATCA agreement).

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

    With a FINOM business account, you have access to the same important services that a traditional bank account provides, such as the ability to withdraw and deposit your money from the account.

    To make a deposit to your account, you can make a SEPA transfer from your current bank account. To make a withdrawal, you can use your physical FINOM card at all European ATMs. This allows you to withdraw up to € 10,000 per month free of charge.

  • Can I make only SEPA transfers, or are SWIFT payments also possible?

    A FINOM business account allows you to make SEPA transactions. Currently we cannot offer SWIFT transactions, but they will be supported in the future.

  • What documents do I need to open an account?

    Whether you are a freelancer or represent a company, opening your FINOM business account only takes a few minutes. Don't forget that you will need:

    • Email address and password that you used for the pre-registration (if you forgot them, click 'forgot password')
    • Have your ID or passport ready to verify your identity
    • Don't forget to keep all the information about your business next to you.
  • Who is the legal representative?

    To open your FINOM business account, you must be the legal representative of your company. Legal representative means 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 in accordance with the company's purpose, such as a CEO.