More than just a business account

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

  • € 0 per month

    Open online a fully functional and free business account

  • Up to 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

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Sign up now

Sign up today

and get 1 free month of premium account access

  • Users included: 5
  • Wallets included: 3
  • ATM withdrawal limits: € 5 000
  • Card payment limit: € 50 000
  • Virtual cards included: Up to 10 per user
  • Physical cards included: 1 per user
  • In/Out SEPA and Direct debit transfers: 200

Save time on accounting with our super allies

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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 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

Finom is more than just a business account

Business account

German IBAN for small businesses, freelancers and companies under registration

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


Physical and instantly issued virtual cards for you and your team

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


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


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

Customer support, providing 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 50,000 entrepreneurs have already taken the step.

And what about you?!

Ergonomic platform, very clear to create your company.


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


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


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.


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!


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.


All-in-one Digital Platform for your Finances

Start with affordable 0 plan for freelancers. Looking for more?
Enjoy 1 month free trial* for all plans




0 €0 €


7 €9 €

/month (excl. VAT)
you save 24 €

One month free, cancel anytime


24 €28 €

/month (excl. VAT)
you save 48 €

One month free, cancel anytime


90 €110 €

/month (excl. VAT)
you save 240 €

One month free, cancel anytime

Users included






0 %

2 %

3 %

3 %

Access to Business Platform

Accounting integrations

All transactions history in smart dashboards

Real-time notifications


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 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


  • 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 SE. Therefore, it is possible for customers to receive a German IBAN.

  • 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.

    In addition to the security measures on the Finom platform and applications, there are also legal regulatory measures of the institution providing your business account, i.e. German Deposit Guarantee Scheme (DGS), where your money may be protected for up to €100,000 via Solaris SE.

    Please note that PNL Fintech B.V. (Finom) does not provide or guarantee these deposit protection methods. For more information, please refer to the Terms of Solaris Payments: in English or in Italian.

  • Is my data safe with Finom?

    Finom protects your data and guarantees the highest level of security:

    • Finom has no access to your online 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 SE 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.