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cashback, e-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

  • Effortless e-invoicing

    That gets you paid up to 20% faster

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Get one month of our Smart Plan for €0

Sign up today and enjoy it for free

  • Users included:unlimited

  • Wallets included:3

  • ATM withdrawal limit:€ 5 000

  • Card payment limit:€ 100 000

  • Virtual cards included:unlimited

  • Physical cards included:up to 3 per user

  • In/Out SEPA and Direct debit transfers:unlimited

Open account

Exchange money and transfer worldwide

3 times cheaper than at traditional banks

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

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

  • Store money with no commission in any of the 17 currencies available

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

Learn moreOpen account

Customers love Finom

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

  • Cash withdrawal from virtual cardsNew

  • Up to 3% cashback on every transaction

  • Issue, limit, top up or block with just a click

Learn more

All-in-one service for business incorporation

No worries, no bureaucracy

For those with a company under registration

Begin working immediately, even if your registration isn't complete

  • Submit your foundational documents

  • We’ll open a business account for you to deposit the initial capital

  • You’ll have 90 days to provide your Handelsregisternummer

  • Once received, we’ll complete your business registration as a company

Open business account

For those starting from scratch

Set up your company with Finom’s partner starting from just € 99:

  • Get expert guidance to simplify the company setup process

  • Book a notary appointment in the city of your choice

  • Name check with the Chamber of Commerce and Industry (IHK) and trade registration included

  • Enjoy the fastest online business account opening

Create a company with Finom

Special offers

enjoy exclusive benefits from our partners

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

More than just a business account

German IBAN for small businesses, freelancers and companies under registration

  • Opened fully online via smartphone or desktop

  • Transparent plans starting from €0 for Solo entrepreneurs and from €9 for Microbusinesses

  • No hidden commissions or fees

  • Convenient mobile app that is available 24/7

  • Low FX rates and transfers to 150+ countries in 17+ currencies

Open account

Team 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

E-Invoicing

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

  • Wachstumschancengesetz-compliant e-invoicing

  • Save and share your e-invoices as XRechnung or ZUGFeRD files

  • Shared in seconds via email or messenger, in PDF or XML format

  • One-click payment link in every invoice you send

Cash withdrawal from virtual cards

Access your funds on the go — add your virtual card to Apple Wallet or Google Pay and withdraw cash at any compatible contactless ATM

Manage bookkeeping & expenses effortlessly

Streamline your financial operations, from document management to tax preparation, all in one intuitive platform.

Learn more
Manage documents store and export e-invoices as XRechnung or ZUGFeRD
Categorize expenses

track and control all expenses online

Simplify taxes

save time with integrated invoicing and document uploads

Try AI accounting automation without errors and manual work

Meet our 100,000+ customers

Read real, authentic reviews

Alexander

Ergonomic platform, very clear to create your company.

Maria

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

Peter

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

Christina

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.

Philip

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!

Anna

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.

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers who need simple, essential features

You save € 36

Basic

For individual entrepreneurs and companies looking to scale their business

You save € 48

Smart

Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations

€ 0 / month€ 0 / monthOpen account

excl. VAT

€ 12 / month€ 9 / month30-day trial

excl. VAT

€ 23 / month€ 19 / month30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

Cashback

0 %

Cashback

1 %

Cashback

3 %

AI Assistant

AI Assistant

AI Assistant

Chat support

Up to 1 business day

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Account Manager

Account Manager

Account Manager

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

€ 2.500

Free outgoing SEPA transfers

€ 25.000

Free outgoing SEPA transfers

€ 50.000

Free VISA physical cards per user

0

Free VISA physical cards per user

1

Free VISA physical cards per user

3

Free VISA virtual cards per user

1

Free VISA virtual cards per user

3

Free VISA virtual cards per user

10

Outgoing international payments

1 %

Outgoing international payments

0.50 %

Outgoing international payments

0.40 %

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

Compare plans

All-in-one Business Platform

Plans

Solo

€ 0 / month€ 0 / monthOpen account

Save € 36

Basic

excl. VAT€ 12 / month€ 9 / month30-day trial

Save € 48

Smart

excl. VAT€ 23 / month€ 19 / month30-day trial

Business Account

Personal IBAN (unique account number for global transfers)

Multiaccounts

Cashback

0 %

1 %

3 %

Users included

1

2

Expense management

Team cards personalization

AI Assistant

Chat support

Up to 1 business day

Up to 3 hours

Up to 3 minutes

Email support

Up to 1 business day

Up to 3 hours

Up to 30 minutes

Weekend support

Account Manager

Provided by Finom Payments/Solaris SE

SEPA payments

Transfers between Finom's users in a few seconds

Extra SEPA OUT & Direct Debit transfers (per month)

€  0 - € 2500

0 %

0 %

0 %

€ 2500 - € 10 000

0.30 %

0 %

0 %

€ 10 000 - € 25 000

0.30 %

0 %

0 %

€ 25 000 - € 50 000

0.30 %

0.03 %

0 %

€ 50 000 - € 100 000

0.30 %

0.03 %

0.025 %

Above € 100 000

0.30 %

0.03 %

0.025 %

SEPA Instant transfers

Decline of Direct Debit

5 €

5 €

5 €

Scheduled payments

Bulk payments

Card payments

Free Physical VISA

0

1 per user

3 per user

Physical card monthly maintenance

3 €

Monthly card payment limit

100.000 €

100.000 €

100.000 €

Monthly ATM withdrawal limit

500 €

2.000 €

5.000 €

Card payments in foreign currency (non-EUR)

0 € - 500 €

3 %

0 %

0 %

500 € - 1.000 €

3 %

2 %

1 %

1.000 €+

3 %

2 %

1 %

ATM withdrawals in foreign currency (non-EUR)

3 %

2 %

1 %

Card payments for certain MCCs (%, minimum 1 €)

0 € - 500 €

3 %

2 %

1 %

500 € - 2.500 €

4 %

3 %

2 %

2.500 € - 5.000 €

5 %

4 %

3 %

5.000 €+

6 %

5 %

4 %

ATM withdrawal amounts (applicable for all cards)

0 € - 500 €

1 %

0 %

0 %

500 € - 2.000 €

3 %

1 %

0 %

2.000 € - 5.000 €

5 %

5 %

3 %

5.000 € - 10.000 €

8 %

8 %

5 %

10.000 €+

8 %

8 %

8 %

Monthly fee for the inactive physical card

0 €

1 €

0 €

Virtual card

1 per user

3 per user

10 per user

Monthly fee for virtual VISA Card

0 €

0 €

0 €

Monthly fee for the inactive virtual card

1 €

0,5 €

0 €

Free card express delivery

Basic card limits management

Advanced card limits management

Special offers

International payments

Incoming international payments (fee per payment)

5 €

5 €

5 €

Outgoing international payments (fee per payment)

5 €

5 €

5 €

Fee for the outgoing volume of international payments

1 %

0.50 %

0.40 %

Coverage of the International transfer cost, optional

35 €

35 €

35 €

Accounting & Invoicing

Accounting integrations up to 30 tools (DATEV, Sevdesk, Lexoffice, etc.)

DATEV Belegbilderservice

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Role and user management

Customization of invoice templates

Visual analytics of income and expenses

Additional fees for special services

Express delivery of Finom Card

15 €

15 €

Reference letter fee for business

80 €

80 €

80 €

Business Account Closure Refund Processing Fee

5 €

5 €

5 €

Recall of outgoing SEPA SCT

15 €

15 €

15 €

Inquiry on SEPA SCT (Payment Investigation)

15 €

15 €

15 €

Recall of international payments

60 €

60 €

60 €

Outgoing payment investigation

Incoming payment investigation

Fee for providing MT103

20 €

20 €

20 €

Fee for MT199 request

45 €

45 €

45 €

Audit confirmation statement

100 €

100 €

100 €

Refusal to redeem an authorized direct debit due to insufficient account balance

1 €

1 €

1 €

Unarranged negative balance on Finom Business Account

1 € per day

1 € per day

1 € per day

Dunning letter (per letter)

5 €

5 €

5 €

Card dispute for an authorised transaction (per transaction)

15 €

15 €

15 €

Administrating irregularities applied to the Finom Business Account

25 €

25 €

25 €

Personal account manager

Onboarding fee

Applied individually

Applied individually

Applied individually

Compliance fee

Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.

For our detailed price list, download PDF here

Security is our top priority

  • 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

  • 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

Learn more

Customer support, providing real-time care

Help is just a click away
Interactive Help Center available 24 hours
Fast response time

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?

    Finom Payments BV (Finom) operates under an electronic money institution license, authorized by the Dutch Central Bank (De Nederlandsche Bank, DNB), to provide services across 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.