Finom vs Tiime: Complete Comparison (2026)
An in-depth comparison of Finom and Tiime 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.
Tiime
6.4/10
French invoicing, pre-accounting and business banking app for freelancers and small companies, with a shared workspace for their chartered accountant.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 7/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 6/10 | 5/10 |
| Scalability | 5/10 | 4/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €21/mo Basic | €10/mo Initial (0-1 employee) |
| Estimated cost for 10 users | €21/mo Basic | Free Free |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Budgeting and Forecasting | Not listed | |
| Tax Compliance | Not listed | |
Finom vs Tiime cost by team size
Finom and Tiime cost the same at 1 user; Tiime costs less from 5 users.
| Team size | Finom | Tiime |
|---|---|---|
| 1 user | FreeSolo | FreeFree |
| 5 users | €21/moBasic | FreeFree |
| 10 users | €21/moBasic | FreeFree |
| 25 users | €21/moBasic | FreeFree |
| 50 users | €21/moBasic | FreeFree |
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
- Higher Integration score (6/10 vs 5/10)
- Higher Scalability score (5/10 vs 4/10)
Why choose Tiime
- Lower estimated cost for 10 users: Free vs €21/mo
- Higher Analytics score (5/10 vs 4/10)
- Higher Compliance score (7/10 vs 6/10)
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.
Tiime
Pros
- Invoicing is free on every tier, with no limit on the number of quotes and invoices, plus e-invoicing through Tiime's registered platform.
- The business's accountant can see its data for free, and around 2,000 accounting firms are reported as partners.
- Bank sync categorises transactions automatically, and receipts can be captured by phone, which cuts pre-accounting work.
- Paid plans come with a 60-day trial, and the entry plan costs 9.99 euros a month.
- Users rate it highly, with about 4.8 out of 5 on Google and Trustpilot.
Cons
- Tiime only does pre-accounting. The full ledger and the tax return package are left to an accountant using Tiime's separate production tool.
- The business account cannot send transfers outside the euro zone and offers no overdraft.
- Reviewers say modules cannot be bought on their own, and the free plan is fairly limited for running a business.
- Users have reported occasional bugs, including after one update on Mac.
- It is aimed at the French market and at companies with up to 20 employees. Larger firms must request a quote.
Not sold on either?
Frequently Asked Questions
Tiime scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for Finom. The largest gap is in Analytics: 4/10 for Finom and 5/10 for Tiime.
Tiime costs less for 10 users: free on its Free plan, against about €21/mo on its Basic plan for Finom, billed monthly.
Yes, both Finom and Tiime have a free plan.
