Different from your bank
FINOM - the fastest and easiest online financial management service for SMEs, freelancers, and the self-employed in Europe.
Try for freeManage 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
Stop overpaying banks
We want small business to live. #stopcovideconomicdisaster
Free service for the first 3 months* and big discounts for yearly plans!
- Sign up
Invoicing Solo
FreeMaximum users
1Multi-Banking. Connected banks
Invoices statuses tracking
Accounting integrations (soon)
Support (SLA < 30 minutes)
- Sign up
Invoicing Start
€ 4.99/mo€ 6.99/moexcl. VAT
billed annually, you save € 24
Maximum users
3Multi-Banking. Connected banks
Invoices statuses tracking
Accounting integrations (soon)
Support (SLA < 30 minutes)
- Open account
Solo
€ 6.99/mo€ 9.99/moexcl. VAT
billed annually, you save € 36
and get 3 months free*
Maximum users
1Wallets
1Plastic Cards included (1 per user)
1Virtual cards included (1 per user)
1- Withdrawal limits€ 1,000
In/Out SEPA & DD Transfers
30Mobile App (iOS & Android)
- Open account
Start
€ 14.99/mo€ 21.41/moexcl. VAT
billed annually, you save € 77
and get 3 months free*
Maximum users
3Wallets
2Plastic Cards included (1 per user)
2Virtual cards included (1 per user)
2- Withdrawal limits€ 1,500
In/Out SEPA & DD Transfers
50Mobile App (iOS & Android)
- Open account
Premium
€ 24.99/mo*€ 17.99/mo€ 35.70/moexcl. VAT
billed annually, you save € 212
and get 3 months free*
Maximum users
10Wallets
3Plastic Cards included (1 per user)
5Virtual cards included (1 per user)
5- Withdrawal limits€ 2,000
In/Out SEPA & DD Transfers
100Mobile App (iOS & Android)
- Open account
Corporate
€ 129.99/mo€ 185.70/moexcl. VAT
billed annually, you save € 668
and get 3 months free*
Maximum users
Wallets
4Plastic Cards included (1 per user)
20Virtual cards included (1 per user)
50- Withdrawal limits€ 2,000
In/Out SEPA & DD Transfers
500Mobile App (iOS & Android)
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
our general partner in France
The financial service that pays you back
Profit from your expenses:
get 0.30% cashback on all card payments
Get paid as fast as possible
The easiest invoicing solution in Europe
Free
invoicing service
Automatically match client invoices with payments
Generate invoices within 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 freeWhy spend time with your bank manager?
It's better spent with the ones you love!
We resolve issues online:
via chat
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.
![]()
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.
We are a team of successful, modern, serial entrepreneurs with vast experience in creating IT solutions. We entered banking to become technological challengers.