Is Finom available for business in Germany?

Availability

Finom for business in Germany: Available

Key eligibility: Open to freelancers, sole traders and companies such as GmbH and UG registered in Germany, with identity and activity checks.
Non resident position: Aimed at businesses registered in Germany. Foreign ownership is generally accepted subject to checks. Verify the current position with the provider.
Local currency support: Euro account with a German IBAN, reported to be issued within about a day through a regulated partner.
Headline monthly fee: The Solo plan is advertised at 0 euro per month as of 2 December 2025. Paid plans such as Basic and Smart cost more and add features.

Availability and fees as of 2 December 2025Last reviewed 2 December 2025

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

Yes. As of 2 December 2025, Finom serves business customers registered in Germany with a euro account and a German IBAN, provided through a regulated partner. It accepts freelancers, sole traders and companies such as GmbH and UG. Plans start at 0 euro per month on the Solo plan, with paid plans for higher volumes and added features.

Does Finom serve business customers in Germany?

Finom offers an online business account to companies and the self employed registered in Germany. It provides a euro account with a German IBAN, physical and virtual cards, invoicing and expense tools and integrations with German accounting software such as DATEV, lexoffice and sevdesk. The account is opened fully online and the German IBAN is reported to be issued within about a day through a regulated payment partner.

Eligibility for businesses in Germany

Finom accepts freelancers, sole traders and incorporated companies including GmbH and UG that are registered in Germany, subject to identity and business activity checks. Applicants verify their identity online and provide business details during onboarding. Some high risk activities are not accepted. Confirm that your legal form and activity are eligible with the provider. Verify with the provider

What it costs locally

Finom publishes tiered pricing. The Solo plan is advertised at 0 euro per month with basic features and a virtual card, while a physical card on that plan carries a small monthly charge. Paid plans such as Basic at about 9 euro per month and Smart at about 19 euro per month, both excluding VAT, add higher transfer allowances, cashback and more cards. Allowances and fees vary by plan, so check current terms before relying on a figure. As of 2 December 2025

What local users report

German freelancers, sole traders and small companies use Finom for a quick online setup, a German IBAN and built in invoicing that connects to local accounting tools. Users like the fast onboarding and low entry price, while those needing branch services or extensive cash handling tend to add or prefer a traditional bank.

How to open Finom for business in Germany

Pick the plan that matches your transfer volume and card needs.
Apply online and verify your identity and business details.
Receive your German IBAN, usually within about a day, then activate cards and invoicing.