Different from your bank

FINOM - the fastest and easiest online financial management service for SMEs, freelancers, and the self-employed in Europe.

Try for free

Manage your finances easily on your smartphone

  • Online business account with French IBAN
  • Free virtual cards with cashback
  • Income and expense schedules for any period
  • Issue, send, and match invoices to payments
  • Expense reports by category (e.g. transport, utilities, counterparties)

No more unexpected cash gaps

Connect any bank account to FINOM to get all your finances in one place.

Get rid of your cash gaps by tracking your current and scheduled cash flow.

Manage project budgets using Finom, not Excel

  • Connect all your bank accounts to the FINOM dashboard
  • Use tags to specify certain project income and expenses
  • Match invoices with real payments
  • View the cashflow of any separate project in real-time

Freelancer or self-starter?

Try Solo, our free plan designed specifically for you!

€ 0/monthly

  • Only essential
    features

  • Purchase additional options
    at anytime

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

    Free
    Open account
    • 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 & DD 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*

    • 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 & DD 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*

    • 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 & DD Transfers

    • Mobile App (iOS & Android)

Pay annually Pay monthly

Invoicing EXTRABeta

Included in all plans while in beta

FINOM automatically connects invoices with incoming payments

  • Automatic reconciliation of invoices and receipts
  • Invoice and receipt recognition (coming soon)
  • Auto-reminders
  • Automatic categorization (coming soon)
  • Automatic collection of invoices (coming soon)
  • Customization of invoice templates (coming soon)

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

Free virtual 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 using contactless payments on your phone

Try for free

our general partner in France

The financial service that pays you back

Profit from your expenses:
get 0.30% cashback on all card payments

Try for free

Get paid as fast as possible

The easiest invoicing solution in Europe

  • Free invoicing
  • Search, categorize, and filter all your invoices
  • Create an invoice in 60 seconds
  • Regular friendly payment auto reminders for your customer

One less task for you to think about

FINOM automatically connects invoices with incoming payments

Try for free

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

Try for free

Why spend time with your bank manager?

It's better spent with the ones you love!

We resolve issues online:

5 min

via chat

10 min

via email

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

Our clients’ funds are guaranteed up to € 100,000 by the European Deposit Guarantee Fund

  • Our servers are protected and hosted in the European Union

    We comply with the 2016 General Data Protection Rules (GDPR)

  • TLS protocol

    All information and registration data are encrypted before being sent to our servers so that no one can intercept them

  • 3D Secure

    Confirm each online card transaction with a unique one-time password

Global investors trust us

  • One of the largest VC funds and headquartered in Berlin. It has more than € 800 M in managed assets with offices in London, Tel Aviv, and Barcelona. Portfolio includes companies such as Auto1, Delivery Hero, Omio (formerly GoEuro), TravelPerk, Rapyd and WeFox.

  • FJ Labs is a stage-agnostic consumer-facing fund headquartered in New York City founded by Fabrice Grinda, No. 1 angel investor in the world according to Forbes.

  • General Catalyst is a venture capital firm with $ 3 B in AUM that invests in transformational early-stage and growth stage companies. It backs exceptional entrepreneurs building innovative technology companies and markets leading businesses such as Airbnb, BigCommerce, ClassPass, Datalogix, Datto, Demandware, Gusto (FKA ZenPayroll), The Honest Company, HubSpot, KAYAK, Oscar, Snap, Stripe and Warby Parker.

  • Avala Capital Group, a Berlin based SuperAngel with EUR > 100Mio AuM invested across 28 start-ups. Avala is the largest non institutional investor in companies such as Delivery Hero, Raisin, Billie, b2bfood, Troy.