Finom review
Updated October 17, 2026 · HodlCue Editorial Team
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Our verdict
Finom differs from a traditional high street business account by working as an online payment solution built around expense control and invoicing. It is an account service for entrepreneurs, self employed people and small to medium enterprises who want to manage business finances in one place.
Key facts
- Best for
- Entrepreneurs managing business spending online
- Card type
- Virtual↗
- Legal entity
- Finom Payments BV↗
- Headquarters
- Netherlands↗
- Founded
- 2019↗
- Features
- Virtual card
- Audience
- Business
- Official website
- finom.co
Facts checked October 17, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Online business account designed specifically for entrepreneurs and founders
- Combines payments, expense control and e invoicing in one service
- Offers personal assistance within minutes for account questions
- Provides guides and tools for starting and naming a business
Cons
- Built for business use only, not for personal everyday spending
- Operates as an online only service for managing business finances
Who it suits
- Entrepreneurs opening a first business account
- Self employed people tracking expenses and invoices
- Small and medium enterprises managing payments centrally
Who should look elsewhere
- People seeking a personal current account
Company background
The business presents itself as an online payment solution for entrepreneurs. Its central aim is to make opening a business account simple and to let owners manage their finances securely from one place. Alongside payments and expense control, the offer includes invoicing and connections to accounting software, so running a small company involves fewer separate tools. The brand positions its work around digital money management for founders, self employed people and growing enterprises. Growing enterprises can keep using the same service as their needs become more complex.
Guidance for people starting out
Beyond the account itself, the brand publishes guidance on setting up a business in Germany. Topics covered include when a trade needs to be registered, how a sole trader differs from other legal forms, and how work equipment can be treated for tax purposes. Articles also look at partnerships and company structures, helping newcomers weigh liability and day to day administration before they choose a path. This material gives first time owners a clear starting point before they open their business account.
How Finom compares
8.2 vs 9.4
8.2 vs 9.0
8.2 vs 8.2
8.2 vs 9.5
8.2 vs 9.6
8.2 vs 9.0
8.2 vs 9.1
8.2 vs 8.9
8.2 vs 8.1
8.2 vs 8.2
8.2 vs 9.5
8.2 vs 9.4
8.2 vs 9.2
8.2 vs 9.1
8.2 vs 9.0
8.2 vs 8.9- 8.2 vs 8.8
8.2 vs 8.8
8.2 vs 8.6
8.2 vs 8.5
8.2 vs 8.3
Where Finom is available
- Available
- Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
- Licence in Netherlands
- De Nederlandsche Bank (DNB), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can open a Finom account?+
Finom is aimed at entrepreneurs who need a business account for managing company finances. The service covers self employed people and small to medium enterprises. It is positioned for business use rather than personal banking.
What products does Finom cover?+
Finom covers an online business account for receiving and making payments. You can control business expenses and handle invoicing, including e invoicing, in the same service. Personal assistance is available within minutes for account queries.
How do you manage the account online?+
Finom works as an online solution for opening an account and managing finances securely. You handle payments and review expenses through the online service. If you need help, you can reach personal assistance within minutes.
Does Finom help with starting a business?+
Yes, Finom publishes guides on German business creation subjects such as registration and legal forms. Topics include sole traders, partnerships and company structures plus tax treatment of work equipment. It has also developed an AI company name generator to suggest options for founders.
When was Finom founded?+
Finom was established as an online business payment provider and has since built a business account around payments, expense control and invoicing. The company aims to simplify running a company for entrepreneurs and small enterprises. Its focus has stayed on digital money management, with personal assistance available for account questions.
Sources
- app.finom.co/legal-documents checked October 17, 2026
Backs: Card type, Features
“With Finom you can open a business account online, manage your finances easily on your smartphone, and issue and block virtual-cards for your business in one minute.”
- finom.co checked October 17, 2026
Backs: Audience, Founded, Headquarters
“Finom is an online payment solution for entrepreneurs that makes it easy to open a business account and securely manage their finances.”
- trustpilot.com/review/finom.co checked September 26, 2026
Backs: Legal entity, Licences
“Finom Payments BV (Finom) is a licensed electronic money institution”
Compiled from 3 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.