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Finom

Business bank account · for freelancers and SMEs

Online business account with Dutch IBAN, invoicing with payment link and cards, for freelancers (zzp) and SMEs.

  • Made in NL
Price
from €0per month · also free
Try it
Free planfree for good
Netherlands check
1 of 5
Headquarters
AmsterdamNetherlands · PNL Fintech B.V.; payment services via Finom Payments B.V., an electronic money institution supervised by DNB

Checked on on the Finom site

Short verdict

Good fit for

Freelancers (zzp) who want a free online account with Dutch IBAN and invoicing with a payment link.

Less suited to

Anyone who needs a physical card or fast support on the free plan; Solo has no free physical card.

Key facts

  • Solo free with Dutch IBAN and 1 virtual card
  • Electronic money institution licensed by DNB, not a bank
  • €1 surcharge per iDEAL | Wero payment

What is Finom?

Finom is an online business account from PNL Fintech B.V. in Amsterdam; the payment services are provided by Finom Payments B.V., an electronic money institution licensed by De Nederlandsche Bank (DNB). You get a Dutch IBAN (NL) within 24 hours, make invoices with a clickable payment link and manage cards and spending in one place. On the pages we reviewed, Finom does not say where customer data is stored, and we did not find a data processing agreement; for an account that usually does not apply.

Good: the Solo plan costs nothing per month and outgoing SEPA transfers are free up to €2,500 per month.

Less good: on Solo you get no free physical card and pay a €1 surcharge per iDEAL | Wero payment. The integrations page does not mention integrations with Dutch accounting packages.

How much does Finom cost?

Starting price

€0 per month

Solo: business account with Dutch IBAN (NL), 1 user, 1 virtual VISA card, free outgoing SEPA transfers up to €2,500 per month and 0.3% above that, live chat with a reply within 1 working day. No free physical card and no cashback. Surcharge of €1 per iDEAL | Wero payment. Paid plans Basic and Smart are cheaper billed annually (-20%).

  • ✓ Free plan
  • No free trial
  • The vendor does not say whether this is excl. VAT

According to the Finom site on . The current plans are on the vendor's site. Has the price changed? Let us know.

The Netherlands check

Useful if you run a business in the Netherlands. "Unknown" means we could not verify it.

  • Support in Dutch: Unknown

    You would rather ask a question in Dutch, to someone who knows how things work in the Netherlands.

  • App in Dutch: Unknown

    An app in Dutch is quicker to use and avoids mistakes, also for colleagues who read less English.

  • Data in the EU: Unknown

    Data in the EU falls under the GDPR. Outside the EU, especially in the US, other laws can give access to your data.

    More about data in the EU →

  • iDEAL: Unknown

    Most Dutch people pay online with iDEAL. If customers cannot pay with iDEAL, they drop out sooner.

    More about iDEAL and Wero →

  • Company in the Netherlands: Yes

    A Dutch company falls under Dutch law. For some businesses that matters, for example in a dispute.

Checked on . Something no longer correct? Report an error.

Integrations

According to its own site, Finom integrates with, among others:

  • Sage
  • NetSuite
  • Odoo

Alternatives to Finom

All 11 alternatives to Finom →

User reviews

No reviews yet. Reviews do not count towards our verdict.

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We check everything on the Finom site, but prices and terms change. Do you see an error, or are we missing an alternative? You don't need to log in. We check every report ourselves within 5 working days. How we handle corrections.

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Frequently asked questions about Finom

How much does Finom cost?

Finom has a free plan. Paid plans for Finom start at €0 per month. Solo: business account with Dutch IBAN (NL), 1 user, 1 virtual VISA card, free outgoing SEPA transfers up to €2,500 per month and 0.3% above that, live chat with a reply within 1 working day. No free physical card and no cashback. Surcharge of €1 per iDEAL | Wero payment. Paid plans Basic and Smart are cheaper billed annually (-20%).

Who is Finom for?

Finom is aimed at freelancers and SMEs. Online business account with Dutch IBAN, invoicing with payment link and cards, for freelancers (zzp) and SMEs.

Which banks and tools does Finom integrate with?

Finom integrates with Sage, NetSuite and Odoo, among others.

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