More than just a bank

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

Open account

German IBAN

Account opened online in 48 hours

3% Cashback

Spend anywhere and receive the highest on the market rebate

Expense management

Expense management solution for team spending control

Invoicing

That gets you paid faster. Simple and powerful

Sign up today and get 1 free month of premium account access

  • Maximum users: 10
  • Wallets: 3
  • Withdrawal limits: 10 000 €
  • Virtual cards included (max 10 per user): 5
  • Plastic Cards included (1 per user): 5
  • In/Out SEPA transfers: 200

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Don’t miss a chance to earn up to
3% cashback

Open account

Save time on accounting with our super allies

  • lexoffice
  • zuper
  • fast bill
  • datev
  • sevdesk

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission 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 Play
Learn more

Form your company with us and save 150€ incl. All-In Service

  • Notary appointment in the city of your choice
  • Incorporate your company without navigating bureaucracy
  • Company name check with the Chamber of Commerce and Industry (IHK)
  • Fastest online account opening process
Start

Finom is more than just bank

Banking

German IBAN for small businesses, freelancers and companies under registration

  • Opened in 48 hours online via smartphone or desktop
  • Starting from 0€ per month for a fully functional plan
  • No hidden commissions or fees
Learn more

Cards

Physical and instantly issued virtual cards for you and your team

  • Up to 3% cashback on every transaction
  • Up to 10 000€ ATM withdrawal limit per card
  • Apple Pay & Google Play
Learn more

Invoicing

Simple, powerful — built to get you paid twice as fast

  • Shared in seconds via email or messenger
  • One-click payment link in every invoice you send
  • Customers are reminded on overdue payments with smart notifications
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

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 to simplify bookkeeping

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.

Customer support with real-time care

  • Dedicated phone or video support
  • Response time less than 1 minute
  • Interactive Help Center available 24 hours

Contact us on e-mail: [email protected]

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

More than 1,500 entrepreneurs have already taken the plunge.

What about you?

  • Account opening as intuitive as an iPhone. App looks great. Free account is simply optimal for new founders. Fastest account opening of my life. Fantastic!

    Jonas

  • Lightweight and very easy to use — Nice functionality even within the free option. Thanks for providing intuitive solution to simple book-keeping.

    Janosch Kunze

  • Perfect service, way faster than others and enorm friendly personnel

    Inna Zaimenko

  • Great Bank — works well and has all the functions needed.

    Alex Steinhoff

  • Best Bank for Business ever — easy and fast in everything!

    Jen Sen

  • Everything works, I’m satisfied

    by DIK Bau GmbH Bauunternehmen

Stop overpaying banks

Start with affordable € 0 plan for freelancers and companies. Looking for more?
Enjoy 1 month free trial* for all the other extended plans

Plan

Price

Solo

0,00 €0,00 €

Start

7,00 €9,00 €

/month (excl. VAT) you save 24,00 €

One month free, cancel anytime

Premium

24,00 €28,00 €

/month (excl. VAT) you save 108,00 €

One month free, cancel anytime

Corporate

90,00 €110,00 €

/month (excl. VAT) you save 240,00 €

One month free, cancel anytime

Cashback

0%

2%

3%

3%

ATM withdrawal limits

500,00 €

2 000,00 €

5 000,00 €

10 000,00 €

Monthly fee for extended ATM withdrawal limit

15,00 €

10,00 €

5,00 €

Free

Maximum users

1

2

5

Total wallets (Accounts)

1

2

3

4

Physical cards included

0

2

5

Virtual cards included

1

2

5

In/out SEPA transfers

50

100

200

Included in plan

German IBAN

Accounting software integrations
(DATEV, LexOffice, SevDesk and others)

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

What you get with FINOM

  • IBAN in just 48 hours
  • Free physical & virtual cards
  • Up to 3% cashback
  • Apple and Google Pay
  • Accounting software integration
  • Simple yet powerful invoicing
  • Expense management solution
  • In-cloud Document storage

Security First

  • Industry compliant

    Payment Card Industry Data Security Standards compliant

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • TLS protocol

    Data encryption prevents it from being stolen or intercepted

  • 3D Secure

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

Learn more

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 thanks to our strong and reliable partnership with SolarisBank (Germany) and Treezor (France), approved by regulators to operate as a bank (SolarisBank) and as an election money institution (Treezor). This means that your business account with Finom is protected by deposit insurance (up to € 100,000) which is made available in accordance with applicable local rules and legislation.

    In France:
    https://help.finom.co/en/articles/4689140-i-m-in-france-is-my-money-protected

    In Germany:
    https://www.solarisbank.com/customer-information/germany/de-iban/german/informationen-zur-einlagensicherung

  • 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.

  • 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.