Different from your bank

FINOM is the only financial service that combines a business account, invoicing, and accounting software integration

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Manage your finances easily on your smartphone

  • Business account

    • Web&App
    • Invite your team to access you account safely
  • Reconciliation

    • Auto connection invoices with banking payments
  • Accounting

    • Full or limited safe access for your accountant
  • Customer support

    • Support reaction less than 5 min
    • 92% of customers rated our work with 5 stars
  • Invoicing

    • Automatic payment reminders to your customer
    • 60 sec to create an invoice and send it to the client with:
    • Link inside the invoice allows to pay just in one click
  • Cards

    • Free plastic and virtual cards
    • The highest 3% Cashback on the market

Up to 3% cashback on all purchases with a FINOM card!

  • Get a free Master Debit card from FINOM

  • Up to 3%

    Depending on your plan, receive 2% or 3% cashback on all card purchases

    Promo terms

  • Easily earn more than you pay for the service!

Free virtual and plastic card for your business

Issue and block virtual cards within one minute

Customize virtual card limits for different employees

Our virtual card service is free of charge

Easily pay anywhere with

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our general partner in France

Experience key benefits, relevant
to your business

  • For freelancer or self-starter

    • € 0 tariff plan
    • All the necessary online banking functions
    • Free cards
    • Cashback up to 3% for all expences
    • Simple invoicing
  • For business with employees

    • Safe access for employees and accountant
    • Reconciliation
    • Money collection tools
    • Analytic data reports
  • If company is under registration

    • Credit your account with authorised funds
    • Get statements
    • Complete registration of your legal entity

Get fast and professional support from our Customer Care team!

  • Our service provided in:
    german english
  • 92% of customers rated our service with
    5 stars
  • Available Mon - Fri 9am - 6pm CET

We respond:

  • 1 min

    via chat

  • 10 min

    via email

or contact us on e-mail:
[email protected]

No more donkey work, don’t waste time

  • Connect your business or personal bank account to FINOM

  • See all your transactions in FINOM dashboard

  • Easily connect invoices with incoming payments

Try for free

Stop overpaying banks

We made the most affordable plan for freelancers and self-starters - € 0
We want to prove we are the best for your company!
Please enjoy 1 month free* for all our extended options!

  • Invoicing Solo

    Free
    Sign up
    • Maximum users

      1
    • Multi-Banking. Connected banks

    • Invoices statuses tracking

    • Accounting integrations (soon)

    • Support (SLA < 30 minutes)

  • Invoicing Start

    € 4.99/mo
    € 6.99/mo

    excl. VAT

    billed annually, you save € 24

    Sign up
    • Maximum users

      3
    • Multi-Banking. Connected banks

    • Invoices statuses tracking

    • Accounting integrations (soon)

    • Support (SLA < 30 minutes)

  • Solo

    € 0/mo
    Free
    Open account
    • Cashback

      0.10%
    • Maximum users

      1
    • Wallets

      1
    • Plastic Cards included (1 per user)

      1
    • Virtual cards included (1 per user)

      1
    • Withdrawal limits

      € 500
    • In/Out SEPA transfers

      50
    • Mobile App (iOS & Android)

  • Start

    € 14.99/mo
    € 21.41/mo

    excl. VAT

    billed annually, you save € 77

    Open account

    and get 1 months free*

    • Cashback

      2%
    • Maximum users

      3
    • Wallets

      2
    • Plastic Cards included (1 per user)

      2
    • Virtual cards included (1 per user)

      2
    • Withdrawal limits

      € 1,500
    • In/Out SEPA transfers

      100
    • Mobile App (iOS & Android)

  • Corporate

    € 129.99/mo
    € 185.70/mo

    excl. VAT

    billed annually, you save € 668

    Open account

    and get 1 months free*

    • Cashback

      3%
    • Maximum users

    • Wallets

      4
    • Plastic Cards included (1 per user)

      20
    • Virtual cards included (1 per user)

      50
    • Withdrawal limits

      € 2,000
    • In/Out SEPA transfers

    • Mobile App (iOS & Android)

Pay annually Pay monthly

What you get with FINOM

  • Automatic reconciliation of invoices and receipts
  • Secure cloud storage
  • Payment auto-reminders for customers
  • Accountant access
  • Free iPhone and Android Apps
  • Smart filters and reports
  • Free high-speed support

*The offer is limited in time and subject to terms and conditions

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

Try for free

Track your current and future cash flow using the new smart dashboard

Search, categorise, and filter all your data:

  • By type (logistics, marketing, staff, a specific project, etс.)
  • By any period
  • For specific client or supplier

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 of up to € 2,000
per month at any ATM in Europe

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About us

  • We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

    Olivier Binet

    Head of business in France

    20 years of experience in E-Commerce and FinTech, focusing on business development and innovation. Conducts independent coaching for startups development. Lives in Paris, France.

  • That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

    Alena Valovaya

    Co-founder

    4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

  • Our goal is to simplify the life of those who provide for half the Europe.

    Thomas Finan

    Co-founder

    10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

  • We're using FINOM every day ourselves because we believe that we deserve the best. We're improving FINOM every day based on what entrepreneurs wish and desire. And of course, we're going to build more services for those like us. For those whom “enough” is not enough.

    Ivo Dimitrov

    Co-founder

    6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

About us

Olivier Binet

Head of business in France

20 years of experience in E-Commerce and FinTech, focusing on business development and innovation. Conducts independent coaching for startups development. Lives in Paris, France.

We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.

About us

Alena Valovaya

Co-founder

4 years in fintech. 13 years in HR, 3 years in Marketing. Сonducts independent coaching with European ECF certification. Lives in Amsterdam, the Netherlands.

That’s why we’ve set up FINOM – a digital solution that helps you create, send and store invoices and electronic invoices. We wanted to build a place where you can grow your business and make money but not waste your time.

About us

Thomas Finan

Co-founder

10+ years managing Customer service teams in a variety of business including fintech and travel. Extensive experience working with entrepreneurs. Lives in London, United Kingdom.

Our goal is to simplify the life of those who provide for half the Europe.

About us

Ivo Dimitrov

Co-founder

6+ years in fintech. Entrepreneur: mobile app with marketplace of tatoo artists, online services for startup founders. Berlin, Germany.

We're using FINOM every day ourselves because we believe that we deserve the best. We're improving FINOM every day based on what entrepreneurs wish and desire. And of course, we're going to build more services for those like us. For those whom “enough” is not enough.

Olivier
Binet

Alena
Valovaya

Thomas
Finan

Ivo
Dimitrov

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 authorization, 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

FAQ

  • Increased cashback of up to 2-3% on “Start”, “Premium”, “Corporate”

    PROMO TERMS:

    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.

    Eligible Customer:

    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 July 2021, 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.

    In France:
    https://help.finom.co/en/articles/4689140-i-m-in-france-is-my-money-protected

    In Germany:
    https://www.solarisbank.com/content/partner/Informationen_zur_Einlagensicherung_v1.2_deutsch.pdf

  • 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.)

  • Who are FINOM's founders?

    FINOM is a fintech company that was founded in 2019 by a team of successful modern entrepreneurs. The four founders, Andrey Petrov, Oleg Laguta, Konstantin Stiskin and Yakov Novikov, have decades of experience in the spheres of IT and banking development. They are founders of one of the most profitable neobanks in Europe, which currently serves more than 250,000 clients, including entrepreneurs and self-employed individuals. Their work is supported by a group of experienced and enthusiastic entrepreneurs, and thus FINOM has entered the market as the 'fully furnished' financial service for SMEs and freelancers.

  • 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:
      1. Your SIRET number
      2. 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.
      3. 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.
      4. Valid ID of the legal representative.
      5. Proof of residency of the legal representative.
    • If you're a freelancer:
      1. Your SIRET number
      2. Avis SIRENE
      3. Valid ID
      4. 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.

  • 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.