Finom is a European business account and finance platform for freelancers and small companies, pairing a euro account and card with invoicing and accounting tools, available across several European Union markets.
- Who it suits
- Freelancers and small companies in supported European Union countries who want banking, invoicing and accounting in one place
- Broadly available in
- Germany, France, Italy, the Netherlands, Belgium, Spain, plus freelancer plans across the European Economic Area
- Headline monthly fee
- Free Solo plan for the self employed. Paid plans from around nine euros a month. Verify with Finom
- Account type
- Euro business account from an electronic money institution
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Finom is a financial platform built for European freelancers and small businesses. Rather than a plain account, it brings together a euro account with a payment card, invoicing, expense management and links to common accounting software. The aim is to give a small business one place to handle money in and money out. It is an electronic money institution, so it operates under electronic money rules rather than as a deposit taking bank, and it has expanded across several European Union markets with localised plans.
Strengths
The all in one approach is the draw. Invoicing and accounting features sit alongside the account, which can reduce the number of tools a small business pays for. Onboarding is fully online, there is a free plan for the self employed, and some paid plans add cashback on card spending and multi user access for small teams. Annual billing reduces the monthly cost.
Limitations
Finom is focused on the European Union and the European Economic Area, so it is not a worldwide option and the served country list matters. As an electronic money institution it safeguards funds rather than offering a deposit guarantee, which some businesses weigh differently from a bank account. Feature sets and currency support depend on the plan and country, so the headline price does not tell the whole story. Confirm the current terms for your market.
Fees and features
| Monthly fee | Free Solo plan for the self employed. Paid plans start in the region of nine euros a month and rise with the feature set. Annual billing carries a discount. Verify with Finom |
|---|---|
| Transaction fees | Included transfers and card transactions vary by plan, with charges beyond plan limits. Verify with Finom |
| FX fees | A currency conversion markup applies on payments outside the euro. Verify the current rate with Finom |
| Minimum deposit | No minimum deposit stated. Verify with Finom |
| Multi currency | Core account is in euro with international payments supported. Verify supported currencies with Finom |
| Integrations | Invoicing, expense management and accounting software connections, depending on plan and country. Verify with Finom |
| Eligibility | Companies registered in a supported European Union country, and freelancers across the European Economic Area. Verify with Finom |
Open a Finom business account
Availability and fees vary by country. Check the Finom by country pages below for your market, then confirm current terms with the provider. Shown as of 1 June 2026.
Visit Finom →Finom by country
Questions about Finom
Which countries can open a Finom account?
How much does Finom cost each month?
Is Finom a bank?
What does Finom include beyond a business account?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 1 June 2026. Confirm current terms with Finom before applying.