Features
- ✓IBAN account
- ✓Invoicing
- ✓Expense cards
- ✓Cashback
- ✓Multi-user
Pros
- All-in-one solution
- Good cashback
- Modern interface
Cons
- €2 fee per outgoing transfer on some plans
- Relatively new
Integrations
Connection Types
4 known connections
Best For
About Finom
Finom positions itself as an all-in-one financial solution for freelancers and small businesses, combining business banking, invoicing, and expense management in a single platform. The German IBAN account comes with virtual and physical cards, while the built-in invoicing eliminates the need for separate invoicing software. What makes Finom particularly attractive is the cashback program—earning money back on business expenses adds up over time. The platform integrates with German accounting software including lexoffice and sevDesk, so your financial data flows into proper bookkeeping. For businesses operating across Europe, Finom's multi-country availability means you can maintain a consistent banking experience even when expanding. The free tier offers basic functionality, while paid plans unlock features like higher cashback rates and priority support. The main considerations are the €2 fee per outgoing transfer on some plans (which can add up for businesses making many payments) and the relatively young age of the company compared to established competitors. For freelancers and small businesses seeking simplicity through consolidation, Finom offers an attractive package.
Finom Pricing Tiers
- Solo (Free): Basic account, 1 card, limited transfers—testing or minimal use
- Start (€7/mo): Unlimited transfers, 0.5% cashback, invoicing—freelancers
- Premium (€28/mo): 1% cashback, 5 cards, multi-user—small businesses
- Corporate (€99/mo): 3% cashback, unlimited cards, API access—growing companies
Cashback on Business Expenses
Finom's cashback is a genuine differentiator. At 3% on the top tier, €10,000 monthly card spend earns €300 back. Even at 0.5% on the free tier, regular business expenses generate meaningful returns. The cashback is credited monthly to your account—real money you can use.
Built-in Invoicing
- Professional templates: Customizable with your logo and branding
- Automatic numbering: Sequential invoice numbers for compliance
- Payment tracking: See which invoices are paid or overdue
- Recurring invoices: Set up automatic invoicing for retainers
- Multi-currency: Invoice in EUR, USD, GBP, and more
Finom vs Qonto vs Holvi
Finom differentiates with cashback and built-in invoicing. Qonto has more team features and corporate card controls. Holvi is simpler and cheaper for solo freelancers. Choose Finom if cashback matters and you want invoicing included. Choose Qonto for growing teams. Choose Holvi for pure simplicity.
Account Opening Process
Finom's onboarding is fully digital and typically completes within 48 hours. You'll need: valid ID (passport or Personalausweis), proof of address, business registration documents. Video verification confirms your identity. Once approved, your German IBAN is ready and cards can be ordered immediately.
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