Finom vs Fortnox: Complete Comparison (2026)
An in-depth comparison of Finom and Fortnox to help you choose the right tool for your business.
Last updated: November 2026
Finom
6.2/10
Finom is a European online business account that combines payment cards, invoicing, multi-bank cash overview and accounting tools for freelancers and SMEs.
Fortnox
6.5/10
Swedish cloud accounting platform covering bookkeeping, invoicing, payroll, supplier invoice approval and reporting for small and mid-sized Swedish businesses and accounting firms.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.5/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 6/10 | 8/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 7/10 |
| Cost | 7/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €21/mo Basic | SEK 238/mo Mini |
| Estimated cost for 10 users | €21/mo Basic | SEK 238/mo Mini |
| Features | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Finom vs Fortnox cost by team size
| Team size | Finom | Fortnox |
|---|---|---|
| 1 user | FreeSolo | SEK 238/moMini |
| 5 users | €21/moBasic | SEK 238/moMini |
| 10 users | €21/moBasic | SEK 238/moMini |
| 25 users | €21/moBasic | SEK 238/moMini |
| 50 users | €21/moBasic | SEK 238/moMini |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Finom
- Has a free plan (Fortnox does not)
- Higher Security score (7/10 vs 6/10)
- Higher Cost score (7/10 vs 6/10)
Why choose Fortnox
- Higher Integration score (8/10 vs 6/10)
- Higher Scalability score (6/10 vs 5/10)
Pros & Cons
Finom
Pros
- A free Solo plan includes a business account, cards and invoicing, so sole traders pay nothing to start.
- Invoices can carry one-click payment links and send automatic overdue reminders, which speeds up collection.
- Employee cards can be issued, limited and topped up in the app, and staff capture receipts by photo.
- Card spend earns cashback of up to 3%, and savings interest rises with the plan tier.
- Connects to accounting tools including Sage, Odoo and NetSuite, and supports multi-bank connections.
Cons
- There are no SWIFT payments, so international transfers outside SEPA need another account.
- Users report sudden account freezes in 2026, with funds held and little explanation from Finom.
- It is not a full accounting ledger, so most businesses still need separate bookkeeping software.
- Fees for transaction volume, foreign exchange and ATM use can add up on the lower tiers.
Fortnox
Pros
- More than 500 integrations, and one 189 kr licence covers all of them.
- A single platform covers bookkeeping, invoicing, payroll, supplier invoice approval, payments and a company card, which suits Swedish SMEs.
- Accounting firms get a dedicated bureau package for working in their clients' books.
- New companies get six months free, and every new subscription has a 30-day open purchase period.
- Trustpilot and Shopify app reviewers frequently praise customer service and sync reliability.
Cons
- Usage fees for invoices, paid employees and interpretations, plus an Access fee that scales with activity, make total cost hard to predict.
- Three-month agreements cost 15 percent more than the 12-month list prices.
- The product is Swedish-focused, and users have asked for an English interface.
- Some users call the reporting tools dated and say neobank integrations such as Revolut are missing.
Not sold on either?
Frequently Asked Questions
Fortnox scores higher on our Finance Software criteria: 6.5/10 against 6.2/10 for Finom. The largest gap is in Integration: 6/10 for Finom and 8/10 for Fortnox.
Finom has a free plan; Fortnox does not list one.
