Powerful banking for freelancers

All-in-one digital financial solution

Open account

Italian IBAN

Account opened online in 48 hours

3% Cashback

Spend anywhere and receive the highest on the market rebate

Expense management

Expense management solution for team spending control

Invoicing

That gets you paid faster. Simple and powerful

Your card in 3 simple steps

Complete your request in less than 10 minutes!

  1. Tell us about yourself

    Fill in a short questionnaire, remember to have with you your VAT

  2. Download our app

    Associate your smartphone with the app to ensure the maximum level of safety

  3. Complete your verification

    Make a picture of your ID and confirm everything through an SMS

E-Invoicing that helps you
getting paid faster

  • Help your customers pay the invoice

    • Payment link shared with your customers
    • PayPal integration for immediate payments
    • Payment reminders for unpaid invoices
  • Save time and money

    Customize your e-invoices and send them through email and WhatsApp with a single click

Are you a professional in flatrate regime?

If you are a freelancer or professional in flatrate regime and have annual gains above 25,000 €, from the 1st of July you must adopt e-invocing for your business.
At FINOM, we make sure that you’ve followed the directive. Focus more on business and we do the rest.

Free physical & virtual cards

Issue multiple free VISA debit cards with 0% commission for you and your team

  • ATM withdrawal limit up to 10,000€ per card
  • Issue, limit, top up or block with just a click
  • Google Play
Learn more

Bookkeeping and expenses —
manage like a boss

Optimize finances — transactions being automapped with invoices and receipts in accounting ready data

Store documents in FINOM to simplify paperwork

Be it receipt, invoice or any other important document — collect it in FINOM secure storage in several clicks

Digitalize documents to simplify bookkeeping

Extract data from receipt or any other document with auto-recognition feature

Categorize
expenses

Track and categorize expenses online.Control where you spend more and reduce costs month-by-month.

Manage your taxes by yourself or reduce paid hours of your accountant!

Auto integration of invoicing with FINOM API in any e-store, CRM, or ERP

Function of uploading all documents and transactions

More than 1,500 entrepreneurs have already taken the plunge.

What about you?

  • Italian customer service is flawless. Mario was quick and clear.

    Lor

  • Excellent service and support. Invoicing made easy, for real!

    Filiberto Daidola

  • Very supportive staff and awesome platform for invoicing

    Lilux Dev

  • Finom is way above the average Italian solution for e-invoicing. UX is top notch, UI is extremely user friendly.

    Marco

  • Great customer service, the experience is related to a backend issue on specific type of invoice, that was fixed in little less than a week, although subscription cost should be a little more competitive.

    Raffaele Serravalle

  • Service is top-notch and customer service is absolutely amazing. The crop of the crop. Shoutout to Jasmine and all the others that helped me so far, people of infinite patience and care.

    Alessandro Fusco

Stop overpaying banks

Get a special offer with FINOM — 6 months free on a Start plan!
Enjoy 1 month free trial* for all the other extended plans

Plan

Price

Solo

5,00 €7,00 €

/month (excl. VAT) you save 24,00 €

One month free, cancel anytime

Start

0,00 €*

15,00 €21,00 €

*Six months free, cancel anytime

Cashback

0%

2%

ATM withdrawal limits

1 000,00 €

3 000,00 €

Monthly fee for extended ATM withdrawal limit

15,00 €

10,00 €

Invoicing per month (paid annually)

0,00 €

4,99 €

Invoicing per month (paid monthly)

0,00 €

6,99 €

Maximum users

1

2

Total wallets (Accounts)

1

2

Physical cards included

1

2

Virtual cards included

1

2

In/out SEPA transfers

50

100

Included in plan

Italian IBAN

Accounting software integrations

Outgoing e-Invoices per month

50

100

Credit notes

Bank accounts connected through multi-banking

All transactions history in smart dashboards

*The offer is limited in time and subject to terms and conditions

What you get with FINOM

  • IBAN in just 48 hours
  • Free physical & virtual cards
  • Up to 3% cashback
  • Google Pay
  • Simple yet powerful invoicing
  • Expense management solution
  • In-cloud Document storage

Customer support with real-time care

  • Dedicated phone or video support
  • Response time less than 1 minute
  • Interactive Help Center available 24 hours

Contact us on e-mail: [email protected]

Security First

  • Industry compliant

    Payment Card Industry Data Security Standards compliant

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • TLS protocol

    Data encryption prevents it from being stolen or intercepted

  • 3D Secure

    Confirm each online card transaction with a unique one-time password

FAQ

  • Who we are/What is FINOM?
    Finom is a Fintech company founded in 2019 and operating already across Europe. We offer financial services that combine a business account with multi banking and invoicing to help entrepreneurs and freelancers managing all their administration and finance in one place.
  • What is FINOM business account?
    Our FINOM business account is a payment account with IBAN, physical and virtual cards. It includes a wide range of traditional banking services plus some smart solutions to better manage your funds, such as invoicing integrated, categorization of the expenses, reconciliation, sub-accounts with dedicated IBANs and custom access for your accountant and coworkers. You can pre — order your FINOM business account and get it forever free by following this link: https://app.finom.co/it/signup?fnm_promo=preordering. We will keep you posted on our launch date!
  • Can I use FINOM if I don’t have a VAT number
    No, you can’t use FINOM if you don’t have a VAT number. FINOM is a financial service designed for SMEs, self-employed, or freelancers who will have VAT numbers.
  • Do we have a mobile app?
    Yes! FINOM has a very cool mobile app available for iOS and Android. To download it on your device you will need to search «Finom Business». Alternatively, simply follow one of these links: If you have an Android device click here, if you have an iOS device click here. FINOM app is compatible with Android 6.0 and up, and iOS 11.0 and up.
  • Can I register with more than one company?
    Yes! FINOM has a multi-company option that allows you to connect as many companies as you like to your FINOM account . Each company will need to have a separate subscription, which can be modified individually according to the exact needs.
  • Can I send or receive E-invoices?
    FINOM is a fully compliant e-invoicing provider already choosen by thousands of professionals and entrepreneurs. With our service, you can create, send and receive e-invoices that will be transmitted first to the SDI, and then to the Agenzia delle Entrate in less than a minute and with no mistakes.
  • Do I have a local IBAN?
    Yes! When opening an account with Finom you will receive an Italian IBAN thanks to our collaboration with Solaris Bank.
  • How safe is my money with FINOM?
    Your money is in good hands with Finom, because we guarantee the highest level of security.

    We owe this primarily to our strong and reliable partnership with SolarisBank, which are licensed IT bank based in Germany and passported to Italy. This means that your business account with Finom is protected by deposit insurance (up to € 100,000), which is granted in accordance with the applicable regulations and laws at the same level of a traditional bank.
  • Is my data safe with Finom?
    Finom protects your data and guarantees the highest level of security:
    • Finom has no access to your online banking login data and these are double-encrypted (the use of a one-time password, which has to be entered every time you try to log in, provides additional security).
    • All data transmissions are transmitted via TLS-encrypted channels and are therefore protected by end-to-end encryption. In addition, Finom is GDPR-compliant, which means that you can close your account at any time and revoke your consent to the processing of your personal data at any time. We do not save your data against your will or without your express consent
  • What licence does FINOM use?
    In order to better manage your account and ensure you the highest level of security, Finom strongly make use of top in class partners in the area of financial services such as Solaris Bank, a German licensed bank regulated by BaFin and Bank of Italy; Documi for the e-invoicing activity and conservation; and Klarna for multibanking services
  • What documents do I need to open an account?
    Regardless of whether you are a freelancer or represent a company, opening your Finom business account only takes a few minutes. Don’t forget that you will need:
    • Email address and password you used to pre-register (if you forgot, click on ’forgot password’)
    • Have your ID or passport ready to verify your identity
    • Don’t forget to keep all information about your business next to you
  • How can I withdraw funds from my account or make deposits into it?
    With a FINOM business account, you have access to the same important services that a traditional bank account offers, such as: B. the ability to withdraw and deposit your money from the account. To make a deposit into your account, you can make a SEPA transfer from your current bank account. To make a withdrawal, you can use your physical FINOM card at all European ATMs. Up to € 10,000 per month can be withdrawn free of charge.
  • Can I make only SEPA transfers, or are SWIFT payments also possible?
    A FINOM business account enables you to carry out SEPA transactions. We cannot currently offer SWIFT transactions, but they will be supported in the future.