Finom business account
Finom’s business account is a digital payment solution for entrepreneurs and businesses within the European Union. Finom offers five standard packages that differ in price and features: Solo, Basic, Smart, Pro and Grow. The packages range from a free option for self-employed professionals to comprehensive solutions for larger companies. On this page, you will find an overview of the key features, costs and terms and conditions of Finom’s business accounts.
About Finom
Finom is a European fintech company operating in the Netherlands, Belgium, Germany, France, Italy and Spain. The company focuses on digital financial services for self-employed professionals, small businesses and medium-sized companies. Finom operates under the trade name PNL Fintech B.V. and holds a licence as an electronic money institution, granted by De Nederlandsche Bank (DNB). The company works with partners such as BNP Paribas for the secure safeguarding of customer funds. Finom is not a deposit bank and is not covered by the Dutch Deposit Guarantee Scheme. However, customer funds are managed through a separate safeguarding structure under the supervision of DNB. The organisation combines accounting, invoicing and payment functions in one online platform and offers customers a Dutch IBAN with integration of various accounting systems.
Finom business accounts
Finom offers five different business accounts that vary in price, functionality, and usage limits. Each package is tailored to the size and needs of a business, from sole traders to larger companies. Below you will find an overview of the main costs and features for each account.
Finom Solo
Costs per month: € 0.00
Customer due diligence costs per month: € 0.00
Costs per transaction: € 0.00 to € 2,500 per month, then 0.3%
Estimated time to open an account: within 24 to 72 hours
Finom Basic
Cost per month: €17.00 (with annual payment) / €21.00 (monthly)
Customer due diligence cost per month: €0.00
Cost per transaction: free up to €25,000 per month, then 0.3%
Estimated time to open an account: within 24 to 72 hours
Meest gekozen
Finom Smart
Costs per month: € 34.00 (with annual payment) / € 40.00 (monthly)
Customer due diligence costs per month: € 0.00
Costs per transaction: free up to € 50,000 per month, thereafter 0.03%
Estimated time to open an account: within 24 to 72 hours
Finom Pro
Costs per month: €119.00 (with annual payment) / €149.00 (monthly)
Customer due diligence costs per month: €0.00
Costs per transaction: free up to €100,000 per month, then 0.025%
Estimated time to open an account: within 24 to 72 hours
Finom Grow
Costs per month: €249.00 (with annual payment) / €339.00 (monthly)
Customer due diligence costs per month: €0.00
Costs per transaction: free up to €100,000 per month, then 0.015%
Estimated time to open an account: within 24 to 72 hours
Kosten overzicht Finom zakelijk
Costs per month
Customer research costs
Costs per transaction
Debit card fee per month
Cost of an additional current account per month
Finom Solo
€0.00
0
€0.00
€3.00
€0.00
€0.00
Finom Basic
€21.00
0
€0.00
€0.00
€0.00
€0.00
Finom Smart
€40.00
0
€0.00
€0.00
€0.00
€0.00
Finom Pro
€149.00
€0.00
€0.00
€0.00
€0.00
€0.00
Finom Grow
€339.00
0
Free up to €100,000 p/m, then 0.015%
3 cards per user included
€0.00
€0.00
Please note: all rates listed are based on the most up-to-date data as of 9 October 2025. Depending on usage, additional charges may apply. Always consult the provider’s website for a complete and up-to-date overview.
Pros and cons of the Finom business account
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Nadelen
Finom business account packages
Finom's business accounts are divided into five packages with varying features, cards and pricing. Each package is designed for a specific level of use, with higher-tier packages offering more options and limits. Below, the features of all Finom packages are explained separately, so that you get a clear picture of the options for a business account.
Finom Solo
Finom's Solo package is intended for sole traders and freelancers who want a simple business account without fixed monthly fees. The account includes one physical and one virtual payment card, free transactions up to €2,500 per month, and no charges for customer due diligence.
Additional accounts or payment cards cannot be added. The monthly card fee is €3.00. Opening the account is done online within 24 to 72 hours. If you are looking for a better option, then the GoDutch self-employed account is a perfect alternative.
Finom Basic
The Basic package is aimed at small businesses that need a basic solution with greater usability options. The monthly cost is €17.00 with annual payment or €21.00 with monthly payment.
One physical card per user is included and transactions are free up to €25,000 per month. After that, a rate of 0.3% applies. One additional bank account is included, and integration with accounting software is possible. For added convenience and flexibility, our business account for general partnerships is ideal.
Compare Finom business account
Anyone exploring Finom’s business account can compare the main features and costs with other providers. On the comparison page between Finom and GoDutch, you will find an overview of differences in pricing structure, features and ease of use. This gives you insight into which solution best matches the financial needs of your business.
FAQ
Frequently asked questions about the Finom business account
How long does it take to open a business account with Finom?
Opening a business account with Finom usually takes between 24 and 72 hours. Registration can be completed entirely online via desktop or smartphone. After verification of identity and company details, the Dutch IBAN is activated and the account can be used immediately for payments and invoicing.
How much does a business account with Finom cost?
The costs of a business account with Finom vary by package. The Solo package is free, while the other packages start at €17.00 per month (Basic) and rise to €249.00 per month (Grow) with annual billing. All packages include free transactions up to a certain monthly limit, after which a small percentage transaction fee applies.
How long does the application for a business account with Finom take?
Applying for a business account with Finom takes on average less than three days. The process consists of online registration, completing company details, and identity verification. Once these steps have been completed and approved, the applicant receives an IBAN and access to the Finom app for transactions and administration.
How do I cancel my Finom business account?
You can close Finom business accounts via the dashboard or by contacting support. Check that all integrations, modules and invoicing functions are disabled so that the closure can be processed immediately. More information can be found at Closing a Finom business account.
