The key points at a glance:
- Why an alternative? Finom focuses on invoicing and accounting. For a growing business, though, it lacks real investing in stocks and ETFs, as well as cashback without tight caps, which it only offers from the paid Basic plan up.
- The best alternatives in 2026: Vivid, N26 Business, FYRST, bunq, Revolut Business and Qonto. Depending on whether cashback, investing, international payments or a proper bank service matters most to you.
- Vivid is our pick. A business account that brings together cashback with no monthly limit on all purchases, investing and sub-accounts with their own IBAN in a single app.
Finom takes the invoicing off your plate, and yet something is missing? Maybe you finally want to invest your reserves in stocks and ETFs instead of letting them sit idle on the account. Maybe it bothers you that the cashback is capped and absent altogether on the free Solo plan. You are not alone. Finom is an e-money institution with a clear focus on invoicing and accounting. But as your business grows, so do your expectations, and at some point you hit the same limits. This comparison is for anyone looking for a business account, whether you are founding a company, freelancing or running a team.
What this is about is quickly said: business accounts, not personal accounts. You get a sober overview of six serious Finom alternatives for 2026, with account fees, cashback conditions and investment options side by side. At the end there is a clear recommendation on which account fits which need. No marketing fluff. Just numbers you can check yourself.
What does Finom offer?
Finom at a glance
First the facts, sober and without any gloss. Finom is an e-money institution with its own licence and a German IBAN, aimed at the self-employed and small companies. Its focus is the invoicing toolkit: quotes, invoices and e-invoicing sit in every plan, along with connections to DATEV, Lexware Office and sevDesk. The Solo plan costs 0 €, but it is reserved for freelancers and sole traders. Above it sit Basic from 7 €, Smart from 17 € and Core from 34 € net a month on annual billing. You pay with virtual and physical Visa cards, and there is now an interest account for idle balances. For anyone who mainly writes and books, it covers the essentials.
Where Finom reaches its limits for business
As focused as Finom is on invoices, some things are left on the table in day-to-day use. Real investing is missing: you cannot buy stocks, ETFs or funds from the business account, all you get is the new interest account. The cashback runs up to 4 %, but it is capped monthly and only starts on the paid Basic plan, on the free Solo it is not there at all. That same Solo plan is also reserved for freelancers and sole traders, so a team or a limited company quickly ends up on a paid plan. And anyone who pays abroad a lot reckons with a 0.50 % surcharge per transfer. So as your business grows, the gaps grow too. This is exactly where the alternatives step in.
In short: Finom covers invoices, e-invoicing and accounting. For business, though, it lacks real investing in stocks and ETFs and a cashback without tight caps. That is where the alternatives step in.
Finom alternatives at a glance
Looking for a Finom alternative? Here are the most important competitors in a direct comparison, with Finom as the reference in the last row. Starting prices, cashback, investing, sub-accounts and accounting sit side by side, so you can see at a glance where the difference really lies (as of 2026, please check with the provider). After that we go through the individual points at leisure.
| Provider | from €/month | Cashback | Investing | Sub-accounts | Multi-currency | Invoicing/DATEV | For whom |
|---|---|---|---|---|---|---|---|
| Vivid | 0 € | no limit (All purchases) | Stocks/ETF/funds | own IBAN | 22 currencies | Tools + DATEV | Freelancer–GmbH |
| N26 Business | 0 € | 0.1 % (Standard) | Stocks/ETF (separate) | Spaces | limited | – | Sole traders/freelancers |
| FYRST | 0 € (BASE) | – | External brokerage | – | EUR | DATEV | Bank + cash |
| bunq Business | from 0 € (Solo) | – | – | own IBAN | yes | Export | SME |
| Revolut Business | from 10 € | – | Money market fund | yes | 25+ currencies | Xero/QuickBooks | int. payments |
| Qonto | 0 € (Starter) | 0.4–0.8 % (card) | Money market fund | from Smart | EUR-only | DATEV | SME/team |
| Finom | 0 € (Solo) / from 7 € | up to 4 % (capped, from Basic) | – (interest account only) | yes | 17+ currencies | Tools + DATEV | Freelancer/SME |
What matters in a Finom alternative
Before you switch, it is worth an honest look at the points that really affect you day to day and show up on your statement at the end of the month: cashback, investing, invoicing and the question of which currencies your account is even at home in. Those are exactly what we go through now.
Cashback compared
Do a quick sum of what runs through your company card each month. With Finom you get up to 4 % cashback on it, but only from the paid Basic plan and with a monthly cap, and on the free Solo the card stays without a bonus. N26 adds a meagre 0.1 % on its Standard plan, and Qonto only pays with the paid Plus or X card, capped at 15 to 30 € a month. With Vivid you get cashback with no monthly limit on the All purchases category. Anyone who runs a lot through the company card sees this difference very concretely on their balance at the end of the year.
Investing from the account
Reserves for tax prepayments and a buffer simply sit around on many business accounts without earning a single cent. Finom offers an interest account for that, but a real securities portfolio is missing, so you can buy neither stocks nor ETFs from the account. Qonto only holds a money market fund, and N26 does allow stocks and ETFs, but separately from the actual business account. Vivid goes further here: you invest directly from the account in stocks, ETFs and funds, and you use an interest-bearing balance for it. That way you put your reserve to work instead of just parking it.
Several currencies and payments abroad
If you have customers or suppliers abroad, the currency question decides your costs. Finom settles payments abroad with a 0.50 % surcharge and covers several currencies, while Qonto's account holds euros only. Revolut converts at the interbank rate, but adds 0.5 to 1 % on weekends. With Vivid you open accounts in 22 currencies and see the exchange rate before every payment abroad. A note on honesty: these currency accounts belong to the paid plans, the Free Start plan stays limited to euros.
Invoicing and accounting
This is Finom's core area. Quotes, invoices, e-invoicing and the link to DATEV, Lexware Office and sevDesk sit in every plan, which saves real time in daily work. Anyone who really only writes and books gets far with it. Vivid keeps up on the DATEV interface and brings invoice management into the account as well, so you write quotes and invoices from the same app, but it combines that with cashback and investing. So the question is less whether invoices and DATEV work, and more what else sits inside the same account.
Security and regulation
Your money belongs in an account you trust, and you make no compromises there. All of them are regulated anyway: N26, bunq and FYRST as banks, Revolut through a Lithuanian banking licence, Qonto as a payment institution, Finom and Vivid as e-money institutions. Because Finom and Vivid are both not classic banks, the statutory deposit guarantee up to 100,000 € does not apply to either. On this point they stand equal, and with Vivid your money is held separately from the company assets through what is called safeguarding. In practice what counts anyway is the plain question: is the provider reachable, and does your money arrive on time?
Plans and fees in view
The monthly base price is only half the story. Also look at the transaction allowance, meaning how many SEPA transfers are included, what additional company cards cost and whether fees apply to payments abroad, because an account that looks cheap can end up more expensive once many single items add up. With Finom the free Solo plan is limited to freelancers and sole traders, and for cashback and more features you need Basic from 7 €. Vivid starts with a Free Start plan at 0 € a month, with no monthly account fee at all. Anyone who needs more cards or extras picks a higher plan.
Vivid as a Finom alternative
Finom is built around invoices, other providers around payments abroad, but what hardly any business account brings together in a single app is the combination of cashback, securities investing and sub-accounts with their own IBAN. This is exactly where Vivid comes in.
Vivid account plans and prices
Vivid gives you a business account with a Free Start plan at 0 € a month, with no account fee at all, and anyone who needs more company cards, currency accounts or extra features simply moves up to a higher plan. You reach customer service directly in the app. You open the account online via video or selfie identification, with no branch appointment.
Vivid's advantages over Finom
Vivid bundles exactly the points where Finom has to pass for business:
Everything sits in a single app: account, company cards, investing and cashback, instead of three programmes side by side. The cashback with no monthly limit on all purchases adds up to real money over the year on ongoing business expenses, and the built-in securities investing lets your reserves work instead of sitting idle. The sub-accounts with their own IBAN sort your finances so cleanly that you stop searching at the end of the quarter. And the invoicing tools that many go to Finom for, Vivid brings along too.
Who is Vivid for?
Vivid works as a business account for freelancers and the self-employed, for small companies and for corporations such as a GmbH or UG. Anyone who works internationally and does not want to give up cashback or securities investing is in the right place too, because since the plans scale up from the free Free Start plan, the company account grows with you, from the first invoice to the larger team.
Opening an account with Vivid
Opening the account runs online in a few steps. You provide details about the company, identify yourself via video or selfie ident and activate the account. Switching from another provider is straightforward, you move existing payments over bit by bit. As a founder you are ready to go just as quickly as when switching. You find all the details on the page about the Vivid business account.
Bottom line: Vivid brings together account, cashback, investing and several currencies in one app, a strong choice as a Finom alternative for business.
More Finom alternatives
N26 Business
N26 is a German bank, and you notice it in the app with a German IBAN. The Standard plan costs 0 € a month, plus there is 0.1 % cashback. For sole traders who like it simple and German, that is a good base. The catch shows up later. The free N26 Business is only for sole traders and freelancers. A GmbH and UG need N26's separate, size-limited company account. N26 does offer stocks and ETFs, but what is missing is the bundling from one app with broad investing, cashback and sub-accounts.
FYRST
FYRST is an offering from Deutsche Bank and therefore a real bank with a German IBAN. The BASE plan costs natural persons 0 € a month, COMPLETE sits at 10 €. Its biggest plus is cash: you can deposit and withdraw at over 7,000 ATMs and in Postbank branches, plus there is DATEV and an interest account. Anyone who still handles cash day to day or wants a classic bank behind them is covered here. What is missing is cashback, a held multi-currency balance and a brokerage in the account, because securities run only externally through the connected maxblue world.
bunq Business
bunq is a Dutch bank with many sub-accounts, an app focus and several currencies. The free plan at 0 € is only for sole traders and freelancers, other companies pay from 7.99 € a month. Anyone who likes to run many pots and savings goals in parallel is flexibly set up with it. Only: bunq relies on savings interest rather than a cashback model like Vivid, and it does not offer investing in securities from the business account. Suited as a home for savings goals, less so as an all-in-one.
Revolut Business
Revolut Business is tailored to teams that work internationally: over 25 currencies at the interbank rate, virtual and physical cards, plus decent tools for expense management. Revolut is regulated through a Lithuanian banking licence with a branch in Germany supervised by BaFin. There is no free plan anymore, Basic starts at around 10 € a month. On weekends a surcharge of 0.5 to 1 % is added to the rate. A standard cashback is missing. Accounting runs through Xero or QuickBooks, not through a direct DATEV interface.
Qonto
Qonto is a payment institution with a German IBAN and a clear focus on accounting, team rights and invoice management, plus a DATEV link from the Smart plan up. The Starter costs 0 €, but only covers five transfers a month, after which come Basic from 9 €, Smart and Premium. For teams that mainly want to organise receipts and approvals cleanly, that fits. Only: the account holds euros only, a stock or ETF portfolio is missing, all that is on board is a money market fund, and cashback comes only capped through a paid card.
Choosing the right Finom alternative
There is no single best Finom replacement, because which alternative fits simply depends on your need. If you want cashback and investing in one account, the path leads to Vivid. If invoices and accounting matter most, Vivid brings the DATEV link and invoicing tools along too, while Qonto scores on team approvals. N26 Business is a good choice if a German IBAN from a bank matters to you. For pure payments abroad, Revolut is worth it. Anyone who runs many pots in parallel or needs cash finds the right model at bunq or FYRST. A rule of thumb helps with the maths: do not just count the base price, add cards, cashback and payments abroad on top. Only that sum shows what an account really costs you over the year.
Conclusion: which Finom alternative fits?
The best Finom alternative depends on your focus. Anyone who, for business, wants cashback without tight caps, real investing and several currencies in one account, without giving up invoicing tools and DATEV, finds the right all-in-one alternative in Vivid. N26 Business, FYRST, bunq, Revolut and Qonto each cover individual needs depending on the focus. In the end your profile decides: sole traders, growing teams and corporations set different priorities. The table and the criteria above help you make the right choice quickly.
A business account with cashback and investing in one app
Open your Vivid business account fully online and bring together what stays separate at Finom: cashback with no monthly limit on all purchases, investing in stocks and ETFs, and sub-accounts with their own IBAN.
Frequently asked questions (FAQ)
What is the best Finom alternative?
It depends on what you need. For a business account with cashback, investing and sub-accounts in one app, Vivid is a strong choice. For team approvals and accounting, Qonto is handy, and anyone who wants cash and a classic bank looks at FYRST.
Is there a Finom alternative with more cashback?
Yes. Vivid pays cashback with no monthly limit on the All purchases category. Finom's cashback is capped at up to 4 % and only starts on the paid Basic plan, on the free Solo it is not there.
Which Finom alternative offers stocks and ETFs?
With Vivid you invest directly from the business account in stocks, ETFs and funds. Finom only offers an interest account and no securities portfolio of its own.
Is there a free Finom alternative?
Yes. Vivid starts with the Free Start plan at 0 € a month, and N26 Business and Qonto also have free plans. Finom's Solo plan is free, but reserved for freelancers and sole traders and without cashback.
Which Finom alternative suits invoicing?
Finom's strength is its invoicing tools, that is fair to say. Vivid brings invoicing tools and a DATEV interface right into the account too and combines them with cashback and investing.
Is Vivid safer than Finom?
Both are regulated, and both are e-money institutions, not classic banks. The statutory deposit guarantee up to 100,000 € therefore applies to neither. With Vivid your money is held separately, which is called safeguarding.
As of July 2026. The information on Vivid, N26, FYRST, bunq, Revolut, Finom and Qonto was compiled to the best of our knowledge based on the official provider 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. Vivid, N26, FYRST, bunq, Revolut, Finom and Qonto are trademarks of their respective companies; there is no business relationship between Vivid and these providers. 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 results are not an indicator of future returns.
