Finom Business Account: Plans, Costs and Features

There is one number that decides what your Finom business account costs, and it is not printed large on any plan card: how much money leaves the account as SEPA transfers each month. Not how many transfers. How much. Finom bills the allowance as a volume, so if you move €12,000 on the Solo plan, €9,500 of it carries a 0.30% fee, about €29 on top. Two transfers can therefore cost more than two hundred.

This is about the Finom business account, not a personal one. This article takes the six plans apart, works through the volume limits and shows what cards, international payments and cashback actually cost. After that come the limits, the account opening and a direct comparison. Every figure comes from the official Finom pages and the full fee matrix, read in August 2026. Terms change, so there is a dated note at the end.

What is the Finom business account?

Who sits behind Finom

Finom is not a bank. The brand name belongs to PNL Fintech B.V. in Amsterdam, and the payment and e-money services are provided by Finom Payments B.V., licensed by De Nederlandsche Bank as an e-money institution under register number R180074. The interest account and the investment wallet come from a third company, Aksys Global Markets Europe Ltd. So anyone looking for the bank behind Finom finds three companies with separate jobs instead, and for the account itself the first one is what matters.

One note on research: almost every comparison portal names Solaris as Finom’s banking partner. That name no longer appears on Finom’s own pages today. What is unambiguous is the detail that matters day to day: you get a German IBAN, and the account runs entirely digitally.

Who Finom is built for

On legal forms, Finom names a broad list itself. Sole traders, freelancers, registered merchants, GmbH, UG, GbR, eGbR, oHG, KG, GmbH & Co. KG, PartG and AG can all open an account. On top of that come companies still in formation and registered associations. A UG waiting on its commercial register entry and needing to pay in share capital can therefore open the Finom business account before that entry.

The catch is not eligibility, it is the plan. The pricing page sorts the plans into three tabs, and the zero-euro Solo plan sits in the tab for freelancers and sole traders. It allows exactly one person on the account. As soon as a second login is needed, or as soon as a limited company is behind it, the ladder starts at Basic with €8 a month excluding VAT. So if you are a GmbH budgeting for “Finom costs €0”, this is the line to read first.

Finom plans and costs

The cost of a Finom business account is decided by three limits rather than by the feature set: transfer volume, number of users and the amount of cashback. There are six plans to choose from.

The six plans at a glance

The Finom plans are called Solo, Basic, Smart, Core, Pro and Grow, and on the pricing page they sit behind three audience tabs, which is why several comparison portals only know three to five of them. Important for any calculation: all amounts are net prices, VAT is added on top. Paying annually cuts them by 20%, so €7 for Basic, €17 for Smart, €34 for Core, €119 for Pro and €249 for Grow. The column with the free SEPA volume is the decisive one.

A footnote on sources: Finom’s own FAQ still names an older ladder with the plan names Start and Premium. They no longer appear in the current pricing table, so when in doubt the table wins. Which Finom plan is cheapest for you is decided by volume anyway.

What the Solo plan includes for zero euros

Finom Solo, the zero-euro plan, is not a stripped-back trial. It includes a personal German IBAN, multiple accounts, full invoicing with e-invoicing, more than 30 accounting integrations including DATEV, automatic receipt recognition, one virtual Visa card, SEPA instant transfers and access to the interest account and the investment wallet. For someone who mainly writes invoices and wants them landing cleanly in the books, the Finom account covers the working day.

The limits of the same plan are drawn sharply, and all of them sit in the fee matrix. The free SEPA volume ends at €2,500 a month, after which 0.30% of the volume applies. A physical card costs €3 a month, card payments in foreign currency 3%, and you may withdraw €500 a month at an ATM. There is no cashback, and you wait up to one working day for a chat reply.

Fees that are not in the monthly price

The full list of Finom prices is long, and part of it only reaches you once the account is running. These items are worth reading before you pick a plan:

The same list also holds two zeros: inactive cards, and the transaction fee in the investment wallet. The point is not that Finom is expensive, but that this calculation never shows up in the monthly price.

Features of the Finom business account

Account, German IBAN and multiple accounts

The German IBAN is the practical core of the offer. According to the product page it is ready in less than 24 hours, and you already have access to the account and the software while the regulatory review runs. Full functionality usually follows within two working days. For German business partners and for direct debit mandates, that is the difference that counts.

What other providers call sub-accounts, Finom calls multiple accounts, and they are included in every plan. This needs a precise wording, though: Finom publishes no number. The row in the pricing matrix carries nothing but a tick on all six plans. Neither “unlimited” nor “1 to 15 by plan” is a statement from Finom, even though you will find both in comparison portals. So if you want to split your VAT reserve, project money and salaries across separate accounts in a predictable way, it is better to clarify the number before you open.

Cards and what they cost

They are Visa cards, virtual and physical, and they are debit cards. A genuine company credit card with a payment term is not part of the account. Anyone searching for the Finom credit card should know that difference, because it decides whether you can bridge expenses or not. Apple Pay and Google Pay work, so contactless payments do too.

The number of free cards rises in clear steps: 0 physical cards on the Solo plan, 1 on Basic, 3 from Smart, and for virtual cards 1, 3, 10, 20 and as many as you need from Pro. On the zero-euro plan the physical card therefore costs €3 a month. Above that sit two special cards, the Prime card at €14.99 and the Metal card at €29.99 a month. You can set card limits on every plan; the advanced controls arrive further up.

SEPA, international payments and currencies

SEPA transfers and direct debits run against the monthly volume from the table. Instant transfers are included, scheduled and bulk payments depending on the plan, and money moves between two Finom accounts within seconds.

Internationally, Finom sends money in more than 17 currencies to over 150 countries. Billing has two stages: €5 per payment in each direction, plus a volume fee that falls from 1% on the Solo plan to 0% on Grow. If you pay abroad regularly, you feel that volume fee clearly on the cheaper plans. And this is not a foreign currency account where a balance stays in another currency.

Invoices, bookkeeping and DATEV

This is where the product puts its weight, and it is built out identically on every plan, including the zero-euro one. You write invoices straight in the account, with customisable templates and with e-invoicing for the new legal requirements. Incoming receipts are recognised and matched to payments automatically, and a visual breakdown shows income and expenses.

The route to your tax adviser runs through more than 30 accounting integrations, among them DATEV, sevdesk and Lexoffice, plus the DATEV receipt image service. The Finom DATEV interface carries no surcharge and is not tied to a plan. What is tied to the plan are the AI assistant and four-eyes approval, which is the more relevant point for teams with separate roles.

Cashback, interest account and investment wallet

Finom advertises cashback at “up to 3%”, and the cashback page spells out what that means. On the Solo plan it is 0%, from Basic 1%, on Smart 3% and on Core 4%. The decisive sentence sits underneath: for Basic, Smart and Core there is a monthly cap between €15 and €40, and anything above it is not credited. Only Pro and Grow run without a monthly cap, at up to 0.5% and 1% respectively. So if you put a lot through the card, you hit the ceiling quickly on the middle plans.

For money sitting idle there are two building blocks, both from Aksys Global Markets Europe Ltd: an interest account with a standard rate between 0.25% and 2% depending on the plan, and an investment wallet holding money market funds. Transactions in it cost nothing; the custody fee is 1.8% on the Solo plan and 0.1% on Grow. You do not buy stocks or ETFs here, and a securities portfolio is not part of the account.

Cash, app and support

You can withdraw cash, billed in bands by amount between 1% and 8%, with a monthly limit of €500 on the Solo plan and €5,000 from Basic. Paying cash in at Finom is not possible, because the price list has no line for it. That is not a Finom quirk, though, but the boundary of purely digital providers without a counter: Vivid is built for cashless work in exactly the same way. Anyone paying in a till float daily usually combines that with a branch bank.

The dashboard can be arranged with widgets, and multibanking lets you connect other providers’ accounts to read along. With support, the response time is itself a plan feature: up to one working day on Solo, up to three hours on Basic, up to three minutes from Smart. An account management team only arrives on the two SME plans.

Limits of the Finom business account

After the features, the other side. The limits of the Finom business account rarely sit in the monthly price but in the lines underneath, and these six cost you either money or a plan upgrade in daily use:

None of these points makes the account unusable. Together they draw a profile: Finom is built for digital invoicing and bookkeeping workflows, and everything beyond that is a question of plan tier or of volume.

Opening a Finom business account

The account opening runs entirely online. You enter the company details, for registered companies with the commercial register number, and name the owners and beneficial owners. Beneficial owners are natural persons holding more than 25% of the shares or holding transaction authority. After that comes the identity check through the provider Sumsub, with an ID card or passport, a video call and a confirmation of your phone number.

The requirements are that your company is registered and active or in formation, that you are based in a country where Finom operates, and that your industry is not excluded. It usually takes two working days until all features are usable; you reach the account, the software and the IBAN while the review is still running. On SCHUFA, since people search for it: Finom names no SCHUFA check on its own pages. What is documented there is the identity check.

Alternatives to the Finom business account

If you are not choosing the account for its invoicing but for its running costs, a different way of calculating is worth a look. Three dimensions decide it almost every time: whether transfers are tied to a volume, whether the number of accounts depends on the plan, and whether reserves can work inside the account. The table sets Vivid and Finom against exactly those.

Vivid as an alternative to Finom

Vivid does not calculate a monthly price plus a volume fee, but puts the scope into the cheapest plan. What that adds up to follows in the next six sections, in the same order as the gaps above.

What Vivid Business offers

The Free Start plan costs €0 a month. It is open to all legal forms, from freelancers and sole traders through a GbR to GmbH and UG. SEPA transfers run inside it with no per-transfer price and no volume limit, so it makes no difference whether €2,000 or €200,000 leaves the account in a month. That removes the calculation a volume model reopens every month, and a business account genuinely costs you nothing to start with.

The difference is clearest in how the accounts are structured. You open as many accounts as you like, and each one gets its own German IBAN, already on the zero-euro plan. Tax reserves, project money, VAT and salaries can be kept cleanly apart, and in a number that is actually published. Team members join without limit and with no extra charge per user, with four roles and approvals for limit changes.

And money that is not needed right now stays inside the same system. You buy stocks, ETFs, iBonds, money market funds and crypto straight from the business account, and an interest account comes with it. The DATEV interface and the invoicing tools are built in, and the Visa Business cards come virtual and physical.

The Vivid plans at a glance

Three plans, and the difference is not in volume limits but in currencies, card rules and the level of cashback.

These prices are gross prices: there is no “from” in front of them and no VAT still to be added. They apply on annual billing; paid monthly it is €8.90 on Basic and €24.90 on Pro. When you compare them with plans quoted net, that is exactly the point at which two numbers can finally be set side by side.

What the zero-euro plan includes

Free Start is not a demo version. It includes SEPA transfers with no per-transfer price, as many sub-accounts as you like each with its own German IBAN, cards virtual and physical, the DATEV interface, invoicing tools and guaranteed cashback on all purchases. Team management with roles and card limits is part of it too.

For founders, one combination matters above all: €0 a month permanently and still open to limited companies. If you are setting up a UG or GmbH, you pay no more at Vivid to start with than a sole trader does, and the number of accounts stays unlimited in both cases.

Basic and Pro: what is added on top

From Basic, accounts in 22 currencies and international transfers come on top of everything Free Start already includes. From Pro, the card rules widen to limits by category, merchant and country. A business account for a GmbH and UG grows with you that way, without you having to set up accounts or IBANs again.

Investing and interest from the account

At Vivid, reserves stay in the account and work there. Stocks, ETFs, iBonds, money market funds and crypto can be bought straight from the business account, and an interest account is added. The difference from a pure money market fund wallet lies in the breadth, and in everything sitting in the same account and the same app as the payments.

And every card payment earns cashback on top, guaranteed and with no monthly cap on all purchases, at a higher rate in selected categories. For companies that need liquidity in stages and would rather not watch a monthly cap, that is the practical part of it.

Opening an account with Vivid

The account opening runs online with photo and selfie verification, and the German IBAN is ready afterwards. Standing orders and direct debits move across gradually, as soon as you have switched them over.

Which business account suits whom?

If you work digitally, transfer larger sums each month and want everything in one place, the shorter route leads to Vivid: €0 a month for a GmbH and UG as well, transfers with no volume limit, unlimited accounts each with its own German IBAN, investing and an interest account inside the same account, and cashback with no monthly cap. That holds for the sole trader with €30,000 of monthly revenue as much as for the five-person team.

Anyone who mainly writes invoices, wants receipts matched automatically and prefers to stay on a plan with a personal contact will find those workflows inside the Finom account. For everyone looking at the running costs, the opening question stays the same: a free business account is only free if the allowance fits your monthly volume.

Verdict on the Finom business account

Finom is a digital business account with a German IBAN, integrated invoicing and an accounting connection that is the same on every plan. The list of legal forms is broad too and includes companies in formation and associations. The price is decided elsewhere: on transfer volume, on the number of users and on the cashback cap.

As soon as more than payments and bookkeeping should happen inside the account, the picture shifts. At Vivid, SEPA transfers with no volume limit, as many accounts as you like each with its own IBAN, the DATEV interface, investing and cashback already sit on the plan that costs €0 a month, and the legal form does not decide the price. So if you are comparing prices for 2026, do not look at the monthly price but at what is included without a surcharge.

Ready for a business account?

Open a Vivid business account with a German IBAN: €0 a month on the Free Start plan, SEPA transfers with no per-transfer price and as many accounts as you like, each with its own IBAN.

Open a business account

Last updated: August 2026. The information on Finom was compiled in good faith from the provider’s official pages and the pricing overview published there, and it can change at any time, in particular prices, plans and terms. No claim is made to completeness or accuracy. Please check the current terms directly with the respective provider. Finom is a trade mark of PNL Fintech B.V.; there is no business relationship between Vivid and Finom. Vivid Money S.A. is an e-money institution supervised by the CSSF and is not a bank; client funds are held separately. Investment and interest products are provided by Vivid Money B.V. Capital investments carry risks; the value of an investment can rise or fall, and past performance is not an indicator of future returns. Crypto assets are unregulated and highly volatile; a total loss is possible. This article is not legal or tax advice.