Finom
6.2/10Finom is a European online business account that combines payment cards, invoicing, multi-bank cash overview and accounting tools for freelancers and SMEs.
Data last updated November 2026 · Our methodology
Overview
Finom is a digital business account sold to freelancers, sole traders and small and medium-sized companies in several EU countries, including Germany, France, Italy, Spain, the Netherlands, Belgium and Poland. Alongside the account it gives you physical and virtual cards that work with Apple Pay and Google Pay. There are also invoicing tools: invoices can be sent by email or messenger with a one-click payment link and automatic reminders for overdue payments. Team managers can issue cards to employees, set limits on them and top them up. Staff photograph receipts in the app, and transaction data can be exported in bulk for an accountant or connected to accounting software such as Sage, Odoo and NetSuite. Other features include multi-banking connections for a single cash view, cashback of up to 3 percent on card spend, and savings interest that rises with the plan tier. Pricing is a monthly subscription with a free allowance of transaction volume, and annual billing is cheaper. Solo is free, Basic costs 21 euros a month, Smart 40, Pro 149 and Grow 339, or 17, 34, 119 and 249 euros a month when billed yearly. Higher tiers add users, cards and transaction volume, and lower per-transaction fees above the allowance. Corporate and enterprise arrangements can also be negotiated. The main limitations are that Finom is not a full general ledger, it has no SWIFT payments, and users report sudden account freezes from automated compliance checks with little explanation.
Our Rating
Who Finom is best for
Good fit
The free Solo plan and the fast invoicing tools are aimed at sole traders.
Multi-user plans, employee cards and the accounting software integration suit SMEs.
Accounts open online quickly, and team cards scale up through the higher tiers.
Less suited
- Enterprise2/10
There is no SWIFT payments support or deep finance tooling for large organisations.
Pros & Cons
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.
Key Features
Finom Pricing
Solo
- Invoicing
- 3 euro monthly card fee
- 0.3% fee above the free limit
- 1 physical and 1 virtual card
- Free transactions up to 2,500 euros a month
Basic
or €204/year (save 19%)
- 1 physical card per user
- 1 additional bank account
- 0.3% fee above the free limit
- Accounting software integration
- Free transactions up to 25,000 euros a month
Smart
or €408/year (save 15%)
- 0.03% fee above the free limit
- Free transactions up to 50,000 euros a month
Pro
or €1,428/year (save 20%)
- Savings interest up to 2%
- 0.025% fee above the free limit
- Free transactions up to 100,000 euros a month
Grow
or €2,988/year (save 27%)
- 3 cards per user
- 0.015% fee above the free limit
- Free transactions up to 100,000 euros a month
Frequently Asked Questions
Yes. The Solo plan costs 0 euros a month, with a 3 euro monthly card fee and free transactions up to 2,500 euros a month.
About 20%. For example, Pro costs 149 euros a month on monthly billing and 119 euros a month on yearly billing.
Yes. Paid plans include accounting software integration, with tools such as Sage, Odoo and NetSuite cited, and data can be exported in bulk for accountants.
Finom works with partner institutions. One review names Solaris SE, which holds a German banking licence. The Benelux page says funds are held with BNP Paribas through a safeguarding foundation supervised by the Dutch central bank, and one comparison site notes that Dutch accounts are not covered by the Dutch deposit guarantee scheme.
No. Reviewers note that SWIFT transfers are not supported.
Live chat in the app and on the website, email, WhatsApp, phone during office hours, and a help centre.
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