Finom business account review

Snapshot

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, Poland, Portugal, Austria and Ireland
Headline monthly fee: Free Solo plan for freelancers. Paid plans from 8 euros a month excluding VAT in Germany and from 21 euros in France, Italy, Spain, the Netherlands and Belgium, billed monthly. Verify with Finom
Account type: Euro business account from an electronic money institution

Fees and features as of 11 October 2026Last updated 11 October 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Finom suits a freelancer or small company in a supported European Union country that wants a euro account combined with invoicing, expense tracking and accounting integrations. There is a free plan for the self employed and paid tiers that add cards, cashback and team features. Pricing and availability vary by country, so check the current plan for your market before you apply.

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

All figures as of 11 October 2026. Verify current terms with Finom.
Monthly fee	Free Solo plan for freelancers. As of 11 October 2026, the Basic plan is 8 euros a month excluding VAT in Germany and 21 euros a month in France, Italy, Spain, the Netherlands and Belgium, billed monthly. Higher plans cost more. Paying yearly cuts the price by about 20 percent. Verify with Finom
Transaction fees	Included transfers and card transactions vary by plan, with charges beyond plan limits. Verify with Finom
FX fees	Outgoing international payments carry a percentage fee that falls on higher plans, for example 1% on Solo and 0.5% on Basic in Germany, as of 11 October 2026. 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	Freelancers and companies in a country Finom lists: Germany, France, Italy, the Netherlands, Belgium, Spain, Poland, Portugal, Austria and Ireland. 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 11 October 2026.

Visit Finom → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.

Finom by country

Questions about Finom

Which countries can open a Finom account?

Finom lists business accounts for Germany, France, Italy, the Netherlands, Belgium, Spain, Poland, Portugal, Austria and Ireland. Availability and plan options vary by country. Verify your eligibility with Finom. As of 11 October 2026.

How much does Finom cost each month?

Finom offers several plans, including a free Solo plan for the self employed and paid tiers that rise with the feature set. Paid plans start at 8 euros a month excluding VAT in Germany and 21 euros a month in France, Italy, Spain, the Netherlands and Belgium, billed monthly. Higher tiers cost more, and paying yearly cuts the price by about 20 percent. Confirm current pricing for your country with Finom. As of 11 October 2026.

Is Finom a bank?

Finom is an electronic money institution rather than a traditional bank. It provides euro business accounts, payment cards, invoicing and accounting tools. Funds are safeguarded under electronic money rules rather than covered by a deposit guarantee scheme. Verify the current protection terms with Finom. As of 11 October 2026.

What does Finom include beyond a business account?

Finom bundles a euro account and card with invoicing, expense management, accounting integrations and, on some plans, cashback on card spending and multi user access. Exact features depend on the plan. Verify the current plan details with Finom. As of 11 October 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Finom before applying.