Finom

Name: Finom
Brand: Finom

Your business, your IBAN: A digital business account in minutes.

Finom is an integrated all-in-one financial platform for European SMEs and freelancers.

BenchTrust Score:68/100

Independent B2B performance index (0–100 points). It is calculated mathematically and without subjective influence from four verified pillars: company stability, aggregated feedback from publicly available online sources, documented compliance certifications, and operational transparency. Comparable with other software providers.

BenchTrust Index weighting: Company stability 25 points · Customer reviews 30 points · Compliance & security 25 points · Transparency 20 points. Without reviews a neutral average is used; a few reviews move it only slightly

Review data basis: G2 (2), Trustpilot (7126)

BenchTrust takes the average rating and review count from the review platforms listed. BenchTrust does not itself verify whether individual reviews come from actual customers; according to the platforms, they apply their own verification procedures.

Overview

Finom is a European fintech company founded in 2019 and headquartered in Amsterdam, Netherlands. The company offers an integrated all-in-one financial solution specifically tailored to the needs of small and medium-sized enterprises (SMEs), freelancers, and the self-employed across Europe. With over 500 employees and more than 200,000 users, Finom combines online banking, invoicing, expense management, and accounting integrations into a single, user-friendly platform. The core offering includes a fully digital business account with a local IBAN that can be opened online within a few minutes. Users receive physical and unlimited virtual debit cards for worldwide payments and cash withdrawals. In addition, Finom offers advanced invoicing tools that allow invoices to be created and sent directly from the app, as well as automatic receipt and VAT capture. By aggregating external bank accounts and seamlessly connecting to popular accounting software, Finom significantly simplifies the daily financial management of entrepreneurs.

Core features

Digital business account for SMEs, freelancers, and the self-employedCore

Fast online account opening via video identification

Business accounts with local IBAN

SEPA transfers for deposits and withdrawals

Physical FINOM debit cards for cash withdrawals in Europe

Unlimited virtual debit cards

Integrated invoicing tools directly on the platform

Interfaces and integrations with popular accounting systems

Multibanking through aggregation of external bank accounts

Mobile app for managing finances and invoices

Compliance & security

No verified certifications (such as ISO 27001 or SOC 2) are currently listed for this provider. Information about compliance with standards such as GoBD or GDPR may still be available.

Ask the AI assistant on this page for current compliance and security details. It researches live information from publicly available sources.

Contact the provider

finom.co

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Answers are based on the website and documents of Finom.

💬 Customer feedback summary

80% mention this

User-friendliness & App Usability

70% mention this

Features for the self-employed (invoices, receipts, banking in one tool)

60% mention this

Price-performance model (incl. free account & affordable tariffs)

50% mention this

Customer Service & Support

Summary of customer feedback

Overall, customers rate Finom predominantly positively: the highly modern, user-friendly app, the clear interface, and the combination of a business account, invoicing, and receipt management in a single tool are particularly praised. Strengths lie in the variety of features for the self-employed and freelancers, the attractive price-performance ratio including a free starter account and cashback, and support that is frequently perceived as helpful. Meanwhile, criticism is primarily directed at isolated cases of account terminations/freezes, fees that are sometimes perceived as non-transparent, and occasionally slow or inconsistent support. Finom is particularly suitable for freelancers, solo self-employed individuals, and small businesses looking for a lean, digital business account with integrated invoicing and receipt management, and who have no need for complex banking products such as loans or traditional branch services.

AI-generated summary

📰 News & community feedback

🚀 Product updates & press releases

Finom has strengthened its position as a leading European B2B financial platform through targeted product enhancements and geographical expansion. The fintech company now offers local IBANs in core markets such as Germany, France, and Italy to enable seamless banking services for SMEs and freelancers. In addition, Finom focuses on integrating accounting tools and continuously optimizing expense management for teams.

•Introduction of local IBANs in core European markets such as Germany, France, and Italy to facilitate cross-border payments.
•Integration of automated accounting and invoicing tools directly into the B2B financial portal for SMEs and the self-employed.
•Expansion of strategic partnerships to provide optimized debit cards and improved multi-user expense management.
•Strengthening regulatory compliance and independence by obtaining its own e-money licenses in Europe.

Source: Publicly available product updates or press releases from Finom.

🎬Videos & screenshots

See Finom in action

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FINOM business account experience: How good is the account for the self-employed & companies?

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