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Finom

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All-in-one business banking with invoicing and expense management. Strong for freelancers.

BankingInvoicing

Description

Finom positions itself as an all-in-one financial solution for freelancers and small businesses, combining business banking, invoicing, and expense management in a single platform. The German IBAN account comes with virtual and physical cards, while the built-in invoicing eliminates the need for separate invoicing software. What makes Finom particularly attractive is the cashback program—earning money back on business expenses adds up over time. The platform integrates with German accounting software including lexoffice and sevDesk, so your financial data flows into proper bookkeeping. For businesses operating across Europe, Finom's multi-country availability means you can maintain a consistent banking experience even when expanding. The free tier offers basic functionality, while paid plans unlock features like higher cashback rates and priority support. The main considerations are the €2 fee per outgoing transfer on some plans (which can add up for businesses making many payments) and the relatively young age of the company compared to established competitors. For freelancers and small businesses seeking simplicity through consolidation, Finom offers an attractive package.

Features

IBAN account
Invoicing
Expense cards
Cashback
Multi-user

Pros

  • All-in-one solution
  • Good cashback
  • Modern interface

Cons

  • €2 fee per outgoing transfer on some plans
  • Relatively new

Best For

freelancerssmall-businessesdigital-nomads

Pricing

Pricing Model
freemium
Price Range
€0-99/mo

Available in

DEFRITESNL

Connected Services

lexofficesevdeskzapier

Related Integrations

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