Not a bank, but more
All-in-one financial solution for SMEs,
Freelancers and companies under Registration
- French IBAN Account opened online in 48 hours
- Virtual and physical cards with 0% commission and up to 3% cashback
- Expense management solution for team spending control
- Invoicing that gets you paid faster. Simple and powerful
- Bookkeeping automation features with accounting software integrations
Starting from 0€ per month
Sign up today and get 1 free month of premium account access
- Maximum users: 10
- Total wallets (Accounts): 3
- Withdrawal limits: € 2,000
- Virtual cards included (max 10 per user): 5
- Physical Cards included (1 per user): 5
- In/Out SEPA transfers: 200
Free virtual and physical cards with up to 3% cashback
Issue and block virtual cards within one minute
Customise virtual card limits for different employees
Our virtual card service is free of charge
Easily pay anywhere with
our general partner in France
Experience key benefits, relevant
to your business
What our clients say about us
Get fast and professional premium support from our Customer Care team!
Save time with automation and smart features
Connect your business or personal bank account to FINOM
See all your transactions in FINOM dashboard
Easily connect invoices with incoming payments
Your invoice will always be paid on time
Create invoice in 60 seconds with web or mobile App
Stand out of the crowd! Design your invoices the way you want
Send your customer an invoice to their preferred channel, whether it's email, Whatsapp or Facebook. Close the deal in no time!
FINOM can send friendly automatic reminders to your customers, so they won't forget to pay
Using the link inside each invoice allows your customer to pay in just one click
Invite your team members or your accountant to access your FINOM account safely
Invite new users to join your account, assigning them full, or limited access to view, create or download invoices.Try for free
Free withdrawals up to € 2,000Try for free
per month from any ATM in Europe
The deposits of our customers are protected by applicable deposit guarantees up to € 100,000
Our servers are protected and hosted in the European Union
We comply with the 2016 General Data Protection Rules (GDPR)
Your data is protected
All information and registration data are encrypted before being sent to our servers so that no one can intercept them.
Access to App with password authorisation, PIN, fingerprint and face recognition technologies
Your money is protected
Confirm each online card transaction with a unique one-time password.
Real-time transaction notifications and an instant balance update
Increased cashback of up to 2-3% on “Start”, “Premium”, “Corporate”
This advertising offer is limited as stated in these Promo Terms and only available to the Eligible Customer with Eligible Subscription using Eligible Payment Services in the Promo Period. If the Eligible Subscription or the Eligible Payment Services is terminated for any reason before expiry of the Promo Period all the Promo Rewards become annulled and not subject to reimbursement in any form. This Promo is not guaranteed. This Promo is offered entirely at the sole discretion of FINOM and can be revoked or changed any time. TERMS & CONDITIONS and Finom REWARDS under TERMS & CONDITIONS apply. Regardless of whether words are capitalised or not in these Promo Terms the TERMS & CONDITIONS apply to all the meanings, such as the “Subscription”, “Payment Services”, and others, and regulate the relations of the User and FINOM. These Promo Terms always apply and override conflicting provisions between the Promo Terms and the TERMS & CONDITIONS.
FINOM User acting in professional, business capacity, whose business is registered in France with Eligible Subscription using Eligible Payment Services in a Promo Period. An Eligible Customer ceases to be “Eligible” immediately upon termination of the Eligible Subscription or the Eligible Payment Services.
Eligible Subscription: subscription plans “Start” or “Premium” or “Corporate” in forms and compositions as they are offered during the Promo Period and in accordance with the TERMS & CONDITIONS
Eligible Payment Services: FINOM payment services provided under the TERMS & CONDITIONS as available in the Promo Period under the Eligible Subscription except for payment services involving money transfers to another banking account/payment card or ATM withdrawals.
FINOM: PNL Fintech B.V., the company registered at Jachthavenweg 109 H, 1081 KM Amsterdam, the Netherlands.
Promo Period: from 10 February 2021 to 1 January 2022, 23:59 CET
Promo Rewards: Eligible Customer with Eligible Subscription using Eligible Payment Services in the Promo Period will receive temporarily increased cashback on all the payments made by the Eligible Customer when using its FINOM Business payment card (MasterCard Debit) to pay for goods or services as follows:
- “Start”:2% cashback up to a maximum total Promo Reward of up to € 20 per month per one payment account
- “Premium”:3% cashback up to a maximum total Promo Reward of up to € 30 per month per one payment account
- “Corporate”:3% cashback up to a maximum total Promo Reward of up to € 50 per month per one payment account.
NB: Money transfers to another banking account or payment card and ATM withdrawals will not incur cashbacks.
Promo transferability: Offerings of this Promo are only available to the Eligible Customer and cannot be shared or transferred to any other person.
TERMS & CONDITIONS: Terms & Conditions FRANCE as posted on FINOM website and as amended from time to time.
Do I have a local IBAN?
In order to provide financial services in France, Finom enjoys all of the benefits of its partnership with the French company Treezor, allowing clients to obtain a French IBAN.
How safe is my money with FINOM?
Your money is in good hands with Finom, because we guarantee the highest level of security.
This is primarily thanks to our strong and reliable partnership with SolarisBank (Germany) and Treezor (France), approved by regulators to operate as a bank (SolarisBank) and as an election money institution (Treezor). This means that your business account with Finom is protected by deposit insurance (up to € 100,000) which is made available in accordance with applicable local rules and legislation.
Is my data safe with Finom?
FINOM protects your data and guarantees the highest level of security:
- FINOM does not have access to your online banking credentials, and they are double encypted (access security is also ensured via the use of a one-time password that is mandatory for every access attempt).
- All data transfers are encrypted end-to-end via TLS encrypted channels. Moreover, FINOM is GDPR compliant, meaning that you can disconnect your account at anytime and revoke your consent to the processing of your personal data whenever you want. We won't store your data against your will or without your explicit consent.
What licence does FINOM use?
In order to guarantee high standards of service, security and efficiency, FINOM chose its licences very carefully. FINOM is entering the market in France with the support of Treezor, while in Germany, FINOM can rely on Solaris Bank. Both of these companies are certified and approved by BaFin and ACPR for providing banking solutions.
Who are FINOM's investors?
FINOM has earned the trust and attracted the interest of global investors such as: Target Global (already investors in companies such as Omio and TravelPerk), General Catalyst (a venture fund from Silicon Valley that has supported business such as Airbnb and Kayak) and FJ Labs ( a stage-agnostic consumer-facing fund founded by Fabrice Grinda with headquarters in New York City, and the number one angel investor in the world according to Forbes.)
Can entrepreneurs from any country open an account?
With FINOM, you can easily open a business account for companies that are based and do business in France or Germany. The legal representative (the only person who can open a business account on behalf of a company) needs to hold a valid local residence permit in one of these two countries, regardless of the issuing country of their passport/ID.
We are planning to add more European countries in the future. For now, if you are the owner of a business that is based in the USA or that involves US taxpayers, we are not currently able to open a business account for you (due to FATCA regulations).
How can I withdraw funds from my account or make deposits into it?
A FINOM Business Account has all the main services of a traditional bank, such as being able to make withdrawals from the account and deposit funds into it. To make a deposit into an account, you can use a SEPA transfer from your current bank account.
To make a withdrawal, you can use your physical FINOM card at any European ATM for free, up to € 2,000 per month (depending on your plan).
Can I make only SEPA transfers, or are SWIFT payments also possible?
A FINOM Business Account allows you to make SEPA payments. For now, we can't provide SWIFT payments. They will, however, be integrated in the future.
What documents do I need to open an account?
Whether you are a freelancer or a company, it will only take a few minutes to open your FINOM business account.
- If your company is based in France you will need:
- Your SIRET number
- KBIS (not older than 3 months) – according to French regulations. An extract from the commercial registry of France with a summary of the company. This can be obtained online.
- Les Statuts – Articles of Association: a document that forms the company's constitution and defines the responsibilities of the directors, the kind of business to be undertaken and the means by which the shareholders exert control over the board of directors.
- Valid ID of the legal representative.
- Proof of residency of the legal representative.
- If you're a freelancer:
- Your SIRET number
- Avis SIRENE
- Valid ID
- Proof of residency
If you are a company based in Germany, we are still refining some aspects, and we will be able to inform you very soon regarding what you need to open your business account.
- If your company is based in France you will need:
Who is the legal representative?
To open your FINOM Business Account, you need to be the legal representative of your company. By legal representative, we mean a natural person authorized to act on the company's behalf and authorized to perform all acts regarding general administration of the company and in accordance with its corporate purpose, for example, a CEO.