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

Stop overpaying banks

We want small business to live. #stopcovideconomicdisaster
Free service for the first 3 months* and big discounts for yearly plans!

  • Invoicing Solo

    Free
    Sign up
    • Maximum users

      1
    • Multi-Banking. Connected banks

    • Invoices statuses tracking

    • Accounting integrations (soon)

    • Support (SLA <4 hours)

  • 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 <4 hours)

  • Solo

    € 6.99/mo
    € 9.99/mo

    excl. VAT

    billed annually, you save € 36

    Open account

    and get 3 months free*

    • Maximum users

      1
    • Wallets

      1
    • Plastic cards included

      1
    • Virtual cards included

      1
    • Withdrawal limits
      € 1,000
    • In/Out SEPA & DD Transfers

      30
    • Mobile App (iOS & Android)

  • Start

    € 14.99/mo
    € 21.41/mo

    excl. VAT

    billed annually, you save € 77

    Open account

    and get 3 months free*

    • Maximum users

      3
    • Wallets

      5
    • Plastic cards included

      2
    • Virtual cards included

      2
    • Withdrawal limits
      € 1,500
    • In/Out SEPA & DD Transfers

      50
    • Mobile App (iOS & Android)

  • Corporate

    € 129.99/mo
    € 185.70/mo

    excl. VAT

    billed annually, you save € 668

    Open account

    and get 3 months free*

    • Maximum users

    • Wallets

    • Plastic cards included

      20
    • Virtual cards included

      50
    • Withdrawal limits
      € 2,000
    • In/Out SEPA & DD Transfers

      500
    • 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

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

Try for free

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.

FAQ

  • 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 will be secure with FINOM. We guarantee the highest level of security for your money.

    Primarily, this is thanks to our strong and reliable partnership with Solaris Bank and Treezor, service providers that are recognized and approved by various institutions. Secondly, a FINOM Business Account is subject to a Guaranteed Deposit. This means that your money is completely safe and protected from any threat, up to 100,000 EUR.

  • How safe is my data 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 with headquarters in New York City, founded by Fabrice Grinda, 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 serial 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. As the founders of one of the most profitable neobanks in Europe, which currently serves more than 250,000 clients, including entrepreneurs and self-employed individuals, they have a highly successful project under their belts. 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 individuals from any country open an account?

    Currently, 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, but 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 FACTA 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).

  • Will I be able to 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:
      1. KBIS – according to French regulations. An extract from the commercial registry of France with a summary of the company. This can be obtained online.
      2. 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.
      3. Valid ID of the legal representative.
      4. Proof of residency of the legal representative.
    • If you're a freelancer:
      1. Valid ID
      2. 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.