Finom vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Finom and Revolut Business 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.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 6/10 |
| Cost | 7/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 6/10 | 7/10 |
| Scalability | 5/10 | 7/10 |
| Security | 7/10 | 7/10 |
| Support | 6/10 | 4/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €21/mo Basic | £10/mo Basic |
| Estimated cost for 10 users | €21/mo Basic | £10/mo Basic |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
Finom vs Revolut Business cost by team size
| Team size | Finom | Revolut Business |
|---|---|---|
| 1 user | FreeSolo | £10/moBasic |
| 5 users | €21/moBasic | £10/moBasic |
| 10 users | €21/moBasic | £10/moBasic |
| 25 users | €21/moBasic | £10/moBasic |
| 50 users | €21/moBasic | £10/moBasic |
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 (Revolut Business does not)
- Higher Support score (6/10 vs 4/10)
- Higher Cost score (7/10 vs 6/10)
- Better fit for freelancers (9/10 vs 4/10)
Why choose Revolut Business
- Higher Customization score (6/10 vs 4/10)
- Higher Scalability score (7/10 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.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for Finom. The largest gap is in Customization: 4/10 for Finom and 6/10 for Revolut Business.
Finom has a free plan; Revolut Business does not list one.
Finom is the better fit for freelancers: we rate it 9/10 for them, against 4/10 for Revolut Business.
