In short:
- Finom: a digital fintech with a German IBAN, invoicing tools and multiple currencies. It does offer cashback, but with a monthly cap.
- Fyrst: a business account from Deutsche Bank with a German IBAN, strong deposit protection and cash deposits, but no cashback and limited foreign-currency features.
- Vivid: bundles cashback with no monthly limit, investing and an interest account into one business account, companies included.
Finom and Fyrst are two popular providers of a business account in Germany that could hardly be more different. Finom is a digital fintech, while Fyrst belongs to Deutsche Bank. Both target freelancers, sole traders and companies that want to manage their finances online. In the direct comparison of Finom vs Fyrst, clear differences emerge in pricing, cards, accounting and foreign payments.
This comparison focuses on the business accounts of Finom and Fyrst, the offers for the self-employed, freelancers and companies, not the personal accounts. We take a close look at the business account plans for 2026. At the end, we introduce Vivid Money as a modern alternative that bundles cashback, investing and an interest account into one business account. That way you can find the right account for your business.
Executive summary: the key differences
Here are the key differences at a glance. As a digital fintech, Finom stands out with a German IBAN, invoicing tools, multiple currencies and cashback, although the cashback is capped each month. Fyrst convinces with the security of Deutsche Bank, strong deposit protection and the option to deposit cash, but it offers no cashback and only limited foreign-currency features. Vivid combines a free business account with cashback that has no monthly limit, investing and an interest account.
| Criterion | Vivid | Finom | Fyrst |
|---|---|---|---|
| Price per month (entry) | free standard plan | Solo 0 €, plans from 9 € (net) | BASE 0 €, COMPLETE 10 € |
| IBAN | own IBAN included | German IBAN | German IBAN |
| Multiple currencies | multiple currencies | multiple currencies | euro account, limited foreign currency |
| Cashback | “All purchases” with no monthly limit | up to 3 %, capped monthly | no cashback |
| Accounting | DATEV interface and invoicing tools | invoicing tools, DATEV, Lexware, sevDesk | DATEV export, Lexware, sevDesk |
| Investing and interest account | ETFs, money market funds, bonds, interest account | no integrated investing | no integrated investing |
| Regulation | EU-regulated financial institution | e-money institution (DNB, Netherlands) | bank within Deutsche Bank Group (BaFin) |
| Best for | banking, cashback and investing in one place | digital self-employed with cross-border needs | companies wanting a bank connection |
In short: Finom is the digital, feature-rich option with a German IBAN, while Fyrst is the classic bank variant with Deutsche Bank behind it. Anyone who wants to combine both and also use cashback and investing should take a closer look at Vivid. Below we go through the individual areas.
Account plans and pricing
In the comparison of Fyrst vs Finom, the first big difference is the price. Both providers use tiered plans, but the logic behind them differs. With Finom, the plans are based on features, limits and cashback. With Fyrst, the price mainly depends on the number of bookings included and the legal form.
Finom pricing plans
Finom offers a free entry account (Solo) for freelancers and sole traders. Above it sit the paid plans Basic and Smart, plus higher plans for companies with greater needs. With each plan, limits, cashback and extra features increase. All plans include a German IBAN, invoicing tools and accounting integrations. The prices are net amounts, so VAT is added on top.
| Plan | Price per month (net) | Best for |
|---|---|---|
| Finom Solo | 0 € | freelancers and sole traders getting started |
| Finom Basic | 9 € | growing self-employed who want cashback |
| Finom Smart | 19 € | self-employed and companies with higher limits |
| Finom Premium / higher plans | from 27.99 € | companies with larger volume and teams |
Fyrst pricing plans
Fyrst offers two business account models. FYRST BASE is free for natural persons such as freelancers and sole traders. For capital companies such as GmbH, UG or GbR, BASE is free for the first six months and then costs 6 € per month. FYRST COMPLETE costs 10 € per month and includes more free bookings and an additional account. Bookings beyond the included allowance cost extra. Both models come with a German IBAN and the FYRST Card as well as the FYRST Card Plus debit card.
| Plan | Price per month | Best for |
|---|---|---|
| FYRST BASE (natural persons) | 0 € | freelancers and sole traders |
| FYRST BASE (companies) | free for 6 months, then 6 € | GmbH, UG, GbR getting started |
| FYRST COMPLETE | 10 € | companies with more bookings |
Cost comparison
Which provider is cheaper depends on your usage profile. For a freelancer with few bookings per month, neither Finom Solo nor FYRST BASE charges an account maintenance fee. For a small company with around 100 bookings and several cards, FYRST COMPLETE tends to make more sense at Fyrst, and a plan with higher limits at Finom. With many foreign payments, Fyrst incurs additional costs, while Finom covers multiple currencies. Important: with both providers, the services included per plan are limited. Check the current conditions before signing up and work through your typical monthly bookings.
Finom rewards spending with cashback, but it is capped each month, and Fyrst offers no cashback at all. Vivid combines a free business account with cashback in the “All purchases” category with no monthly limit.
Banking features and functionality
The banking features decide in everyday use whether a business account really fits the business. We compare how Finom and Fyrst perform in day-to-day bank account operations, from cashless payments through cards and sub-accounts to managing the account in a team with several users (multi-user).
Core features compared
On the core features, Finom and Fyrst are sometimes closer than they seem. Both offer a German IBAN, SEPA transfers, direct debits and standing orders, as well as mobile payments with Apple Pay and Google Pay. The differences show in the scope: Finom focuses on multiple currencies, sub-accounts and invoicing tools, while Fyrst relies on the bank connection of Deutsche Bank, including cash deposits through the branch network and standing orders.
| Feature | Finom | Fyrst |
|---|---|---|
| German IBAN (DE) | yes, in all plans | yes, in all models |
| Multiple currencies | yes, multiple currencies | euro account, limited foreign currency |
| Cashback on card payments | up to 3 %, capped monthly | no cashback |
| Cash deposits | not a focus | via Postbank branches and Cash Group |
| Accounting & integrations | invoicing tools, DATEV, Lexware, sevDesk | DATEV export, Lexware, sevDesk |
| Mobile payments | Apple Pay, Google Pay | Apple Pay, Google Pay |
Cards and payment methods
For cards, Finom offers virtual and physical VISA cards, in different numbers depending on the plan, with cashback from the Basic plan onwards. Fyrst equips accounts as standard with the FYRST Card and the FYRST Card Plus as a Mastercard debit card, without a cashback programme. A classic credit card with a credit line is not the standard at either provider; debit cards are issued. Both support Apple Pay and Google Pay for contactless payments. The number of cards included and the conditions for cash withdrawals depend on the chosen plan with both providers.
Accounting and financial management
For everyday business, how well an account connects to your accounting and ongoing bookkeeping is decisive. Finom brings invoicing tools directly on board and connects to accounting software such as DATEV, Lexware Office and sevDesk. Fyrst offers a DATEV export and integrations with Lexware Office and sevDesk, but puts the focus on classic banking. Vivid brings a DATEV interface and invoicing tools and connects accounting directly with banking and investing.
Beyond pure payments, companies face the question of how idle funds can be invested. Here a gap appears: both Finom and Fyrst focus the business account on payments and administration. The balance just sits there, and integrated investing is missing from both. Vivid goes further and combines banking with investing, through treasury solutions in ETFs, money market funds and bonds, plus an integrated interest account. That way unused balance can be invested deliberately, without switching apps.
With Finom and Fyrst your balance just sits there; integrated investing is missing from both. Vivid bundles banking, investing in ETFs, money market funds and bonds, plus an interest account into one app.
International features
On international features, a clear difference emerges. Finom supports multiple currencies, enables foreign transfers via SWIFT and, for selected currencies such as USD and GBP, also local transfer routes. With the Convert & Pay function, the amount can be converted from the euro wallet. Fyrst, by contrast, runs the account mainly in euros; payments in foreign currency are possible, but usually come with higher costs. Anyone who works internationally on a regular basis is more flexibly set up with Finom than with Fyrst.
Fyrst settles mostly in euros, so international payments quickly become expensive there. With Vivid you pay and exchange in multiple currencies and see the exchange rate transparently in the app before every transfer.
Pros and cons compared
Whether Fyrst or Finom suits you better depends heavily on your usage profile. The following overview sums up the main strengths and limits of both providers, so you can weigh them against each other quickly.
Advantages of Finom
Disadvantages of Finom
Advantages of Fyrst
Disadvantages of Fyrst
Vivid Money as a modern alternative
Finom mainly covers digital banking with invoicing tools and multiple currencies, while Fyrst covers the classic bank connection with a German IBAN and deposit protection. Each of them solves only part of the picture. What both are missing is the combination of cashback with no limit, integrated investing and an interest account. This is exactly the gap that Vivid Money closes: a financial platform that connects the business account with wealth building and is tailored to the self-employed and companies in particular.
You earn cashback on your business expenses, in the “All purchases” category with no monthly limit at all. You invest your balance in the same app in stocks, ETFs, money market funds and bonds, and let liquid funds work for you through the integrated interest account. Sub-accounts with their own IBAN keep your expenses neatly separated, and you see the exchange rate transparently in the app before every transfer.
| Feature | Vivid | Finom | Fyrst |
|---|---|---|---|
| Cashback on business expenses | yes, “All purchases” with no monthly limit | up to 3 %, capped monthly | no cashback |
| Investing in the app | ETFs, money market funds, bonds | no investment offer | no investment offer |
| Interest account | integrated interest account | no interest account | separate call money possible |
| Sub-accounts with own IBAN | included | sub-accounts depending on plan | depending on model |
| Accounting | DATEV interface and invoicing tools | invoicing tools, DATEV, sevDesk | DATEV export, sevDesk |
Account opening is fully online via video or selfie ident. On top of that come Visa Business cards, a DATEV interface for accounting and a free standard plan to get started. These features bring banking, investing and the management of your business finances together in one place.
A business account with cashback and investing in one app
Open your Vivid business account fully online and bring together what is separate with other accounts: cashback on your business expenses, integrated investing and an interest account.
Frequently asked questions
How reputable is Finom?
Finom is an EU-regulated fintech. Since 2025 it has run its services under its own licence as an e-money institution, granted by the Dutch central bank (DNB), and operates in Germany through EU passporting. Finom is therefore not a classic bank, which is why there is no statutory deposit guarantee. Client funds are, however, held separately from the company’s assets in trust at European partner banks and are protected in the event of insolvency.
Which bank is behind Fyrst?
Fyrst is the digital business account brand of the Deutsche Bank Group and launched in 2017. The accounts run on the infrastructure of Postbank, which also belongs to Deutsche Bank, and are supervised by BaFin under a full banking licence. As a result, customers benefit from the statutory deposit guarantee up to 100,000 € as well as the voluntary deposit protection fund of the Association of German Banks.
What alternatives to Finom and Fyrst are there?
Besides Finom and Fyrst, there are other business account providers, including Vivid Money, Qonto, N26 Business, Holvi and Kontist. They differ in price, scope of features and target group. For the self-employed and companies that want to combine banking, cashback and investing in one place, Vivid in particular is a cost-effective and modern alternative.
Is there a free business account at Finom and Fyrst?
Yes. Finom Solo and FYRST BASE for natural persons cost 0 € per month, but the services included are limited. At Fyrst, capital companies pay 6 € per month after six months. Vivid offers a free standard plan with additional cashback on business expenses.
Which business account offers cashback with no limit, investing and an interest account in one?
Finom offers cashback, but with a monthly limit, and Fyrst offers no cashback; integrated investing is missing from both. Vivid combines both in one business account: cashback on business expenses, in the “All purchases” category with no monthly limit, investing in stocks, ETFs, money market funds and bonds, plus an integrated interest account.
Conclusion: our verdict
In the direct comparison of Finom or Fyrst, there is no blanket winner. Both offer a solid business account with a German IBAN and score in different areas. Finom is particularly suited to digital self-employed people and companies that value invoicing tools, multiple currencies and cashback. Fyrst fits companies that value the security of Deutsche Bank, strong deposit protection and the option to deposit cash.
Anyone looking for a digital, feature-rich account with cross-border needs is well served by Finom. For the classic bank connection with a branch network, Fyrst offers advantages. And anyone who wants to combine cashback with no limit, investing and an interest account in one business account will find with Vivid Money a combination that a classic account does not offer in this form. In the end, your needs decide: it can be worth testing several accounts to find the right offer.
As of June 2026. The information on Finom and Fyrst was compiled to the best of our knowledge on the basis of the providers’ official websites and can change at any time, in particular prices, plans and conditions. No claim is made to completeness or accuracy. Please check the current conditions directly with the respective provider. Finom and Fyrst are trademarks of their respective companies; there is no business relationship between Vivid and these providers.
