Finom 2026: 3 Months Free Business Account

Finom offers a complete toolkit for professionals. A business current account with a European IBAN, SEPA and international transfers. Mastercard Business cards, physical and virtual (up to 20 by plan) with configurable limits. Invoicing: create quotes and invoices in the app, send them by email or payment link, track collections. Automatic reconciliation: each payment received is matched to its invoice. Cashback on card spending (1-3% by plan). Accounting export: integration with accounting software. Expense reports from the mobile app.

Finom offers 4 plans. Free: a basic IBAN, 1 card, limited features. Solo (~€7/month): a full business account, 2 cards, invoicing, reconciliation. Premium (~€15/month): up to 10 cards, enhanced cashback, advanced invoicing, priority support. Corporate (~€29/month): 20 cards, multiple users, approval workflows. Pricing generally includes the account, card and invoicing — better value than traditional banks, which often charge €20-30/month for fewer features. Compare with Qonto and Shine depending on your profile.

Cashback on business spending is rare among business neobanks. Finom offers up to 3% cashback on certain spending categories (fuel, restaurants, hotels, etc.) by plan. For a business spending €3,000/month by card, 1% cashback is €30/month or €360/year — often more than the subscription cost. Cashback is paid in euros to the business account. Compare with premium consumer cards (Curve Metal) which offer cashback on personal spending.

Finom is an excellent solution for freelancers wanting to separate personal and business finances without traditional-bank fees. The Solo plan (~€7/month) offers a full business account with built-in invoicing — ideal for consultants, developers, designers and other independents. Built-in invoicing avoids juggling a bank account and a separate invoicing tool. For those wanting an even cheaper option, the Free plan can suffice. For those with lots of travel spending, the cashback on paid plans can more than offset the subscription.

Finom integrates with the main accounting tools used by small businesses. The accounting-file export is compatible with most accounting software, and direct integrations exist with tools like Pennylane, Sage and QuickBooks. Finom also integrates with Dougs and Indy for freelancers using those online bookkeeping solutions. Automatic reconciliation between transactions and invoices greatly reduces data-entry work. Less time on accounting = more billable time for freelancers.

Finom is a licensed electronic-money institution (EMI) in Europe (Dutch licence passported across the EU). Client funds are segregated and protected per EU requirements. Finom is not a bank in the strict sense — deposits are not covered by a deposit-guarantee scheme. For day-to-day business cash management, this protection is generally sufficient; for large balances (>€100,000), a licensed traditional bank as a secondary account may be preferable. Finom offers free SEPA transfers in the eurozone; for frequent or large international transfers, Wise or CurrencyFair usually offer better FX rates and can complement Finom.

Qonto is the French leader in online business accounts with 500,000+ clients. Finom is a European challenger with specific strengths. Qonto: better French-ecosystem integration (many accounting partners), a more mature interface, better support. Finom: unique cashback (not on Qonto), slightly lower pricing on some plans, comparable built-in invoicing. If you are already in the Qonto ecosystem with Dougs or Pennylane, stay there. If you are starting out and want the best value with cashback, Finom is worth comparing.

Our verdict: Finom is an excellent alternative to Qonto for freelancers and SMEs wanting a full business account with cashback. Strengths: spending cashback (unique), built-in invoicing, automatic reconciliation, a Free plan, 3 months free with a promo, available across the EU. Weaknesses: less known than Qonto, no deposit guarantee, sometimes slower support, fewer accounting partners. Ideal for freelancers wanting to optimise business spending via cashback, alongside Dougs for accounting.