Not a bank,
but more

FINOM - the fastest and easiest online business banking for SMEs, freelancers, and the self-employed in Europe.

Try for free

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

  • The only service combining business banking and invoicing with integrations for accounting & tax software

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

  • Easily connect your FINOM account to DATEV Unternehmen Online, sevDesk, FastBill, Sorted, and more

2.3% cashback on purchases with a Visa card!

Manage your finances easily on your smartphone

  • Online business account with German IBAN
  • Free virtual cards with cashback
  • Income and expense schedules for any period
  • Issue, send, and match invoices to payments
  • Expense reports by category (e.g. transport, utilities, counterparties)

No more unexpected cash gaps

Connect any bank account to FINOM to get all your finances in one place.

Get rid of your cash gaps by tracking your current and scheduled cash flow.

Watch this video and find out more about FINOM's advantages and features

  • Connect all your bank accounts to the FINOM dashboard
  • Use tags to specify certain project income and expenses
  • Match invoices with real payments
  • View the cashflow of any separate project in real-time

Open an account 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.

Freelancer or self-starter?

Try Solo, our free plan designed specifically for you!

€ 0/monthly

  • Only essential
    features

  • Purchase additional options
    at anytime

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

Free virtual 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 using contactless payments on your phone

Try for free

our general partner in Germany

Get paid as fast as possible

The easiest invoicing solution in Europe

Free
invoicing service

Automatically match client invoices with payments

Generate invoices within 60 seconds

Regular friendly payment auto reminders for your customer

Try for free

One less task for you to think about

FINOM automatically connects invoices with incoming payments

Try for free

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

Try for free

Why spend time with your bank manager?

It's better spent with the ones you love!

We resolve issues online:

5 min

via chat

10 min

via email

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)

  • TLS protocol

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

  • 3D Secure

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

FAQ

  • Cashback up to 2.3% from Visa and FINOM (March 10 - April 6)

    Cashback 2% from Visa

    Promotion date: March 10 - April 6

    • Terms of participation in the promotion:
      1. FINOM Visa card holders
      2. Users have to register
      3. Visa terms & conditions
    • Conditions for receiving bonuses:
      1. Users who meet the conditions of the promotion have the opportunity to receive 2% cashback on payments up to € 25.
      2. Only transactions using the registered Visa card will be considered. The following transactions are excluded from the promotion:
        • Cash withdrawals at ATMS
        • Transactions related to betting and gambling, e.g. fees for lotteries and sports bets
        • Transactions for financial services, e.g., for national/international transfers and for purchases of foreign currencies and travellers' checks
        • Transactions for insurance services, e.g. for travel insurance
        • Transactions where funds are credited (back) to the card
    • Promo action limits: Maximum cashback per user is € 50.
    • Terms of crediting bonuses: The cashback will be aggregated and sent within 3 weeks of the last day of the promotion. Responsible for the accrual of the cashback is - Visa

    FINOM’s cashback up to 0,3%

    FINOM specifically provides its users with an additional cashback of up to 0.3% for all expenses on their visa card without any limitations on time. There is a maximum amount of cashback that can be earned per month - 1000. Learn more about that in FINOM’s terms and conditions

    The total cashback under the terms of the two offers can be up to 2.3%

  • 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.