Business card for freelancers with cashback up to 3%

  • Business account and invoicing in a single dashboard
  • Free ATM withdrawals up to € 10,000
  • Issue and freeze cards in app&web
Get early access

The first 1,000 clients will get their business account free forever!

Press “Get early access” to avail of special Winter launch offer.

Business Banking account is on its way. Hurry! Pre-order it now before time runs out. We will notify you as soon as the account is ready.

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Don’t miss a chance to get a

FOREVER FREE ACCOUNT

this Winter

Get early access

Key benefits for freelancers and self-starters

  • Forever free plan
  • Free withdrawals up to € 10.000
  • All the necessary online banking functions
  • Digital invoicing with e-invoices included
  • Free cards
  • Reconciliation
  • Cashback for all expenses
  • Money collection tools
  • Analytic data reports

Open account and enjoy all advantages of Finom smart financial instruments

  • Banking business account

    • Web&App
    • Invite your team to access you account safely
    • Italian IBAN
  • Reconciliation

    • Auto connection invoices with banking payments
    • Connect your business or personal bank account to FINOM
  • Cards

    • Free physical cards
    • Free virtual cards
    • The highest cashback on the market at 3%
  • Customer support

    • Support reaction less than 5 min
    • 92% of customers rated our work with 5 stars
  • E-invoicing

    • Automatic payment reminders to your customer
    • 60 sec to create an invoice and send it to the client with: Email, Facebook or WhatsApp
    • Link inside the invoice allows to pay just in one click
  • Accounting

    • Full or limited safe access for your accountant
    • Function of uploading all documents and transactions

Free virtual and physical cards with up to 3% cashback

Issue and block virtual cards within one minute

Customise card limits for different employees

Our virtual card service is free of charge

Easily pay anywhere with

Try for free

our general partner in Italy

Stop overpaying banks

Start with affordable € 0 plan for freelancers and self-starters. Looking for more?
Enjoy 1 month free trial* for all the other extended plans

Invoicing only
All-in-one
Invoicing Solo
Invoicing Start
Solo
Start
Premium
Corporate
Pay annually Pay monthly

 

 

Maximum users

Outgoing e-invoices

Multi-banking. Connected banks

B2B,B2C,PA e-Invoices

Credit notes

Invoices statuses tracking

Customisation of invoice templates

Accounting integrations (soon)

Invoicing Solo

€ 0

Maximum users

1

Outgoing e-invoices

1 per month

Multi-banking. Connected banks

B2B,B2C,PA e-Invoices

Credit notes

Invoices statuses tracking

Customisation of invoice templates

Accounting integrations (soon)

Invoicing Start

€ 4.99
€ 6.99

/month (excl. VAT) you save € 24

Maximum users

3

Outgoing e-invoices

Multi-banking. Connected banks

B2B,B2C,PA e-Invoices

Credit notes

Invoices statuses tracking

Customisation of invoice templates

Accounting integrations (soon)

 

 

Cashback

ATM withdrawal limits

Maximum users

Wallets

Plastic cards included

Virtual cards included

In/Out SEPA transfers

Included in plan

Italian IBAN

Accounting software integrations

Invoices (in/out)

Credit notes

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Premium support by phone or messenger

Solo

€ 0

Cashback

0%

ATM withdrawal limits

€ 10,000

Maximum users

1

Wallets

1

Plastic cards included

1

Virtual cards included

1

In/Out SEPA transfers

50

Italian IBAN

Accounting software integrations

Invoices (in/out)

Credit notes

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Premium support by phone or messenger

Premium

€ 24
€ 29

/month (excl. VAT) you save € 60

One month free, cancel anytime

Cashback

3%

ATM withdrawal limits

€ 10,000

Maximum users

5

Wallets

3

Plastic cards included

5

Virtual cards included

5

In/Out SEPA transfers

200

Italian IBAN

Accounting software integrations

Invoices (in/out)

Credit notes

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Premium support by phone or messenger

Corporate

€ 99
€ 129

/month (excl. VAT) you save € 360

One month free, cancel anytime

Cashback

3%

ATM withdrawal limits

€ 10,000

Maximum users

Wallets

4

Plastic cards included

Virtual cards included

In/Out SEPA transfers

Italian IBAN

Accounting software integrations

Invoices (in/out)

Credit notes

Bank accounts connected through multi-banking

All transactions history in smart dashboards

Real-time notifications

Premium support by phone or messenger

What you get with FINOM

  • Automatic reconciliation of invoices and receipts
  • Secure cloud storage
  • Payment auto-reminders for customers
  • Accountant access
  • Free iPhone and Android Apps
  • Smart filters and reports
  • Free high-speed support

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

15K customers already enjoy FINOM's invoicing service

We work in Italy as a partner of Solarisbank. As a holder of a banking license, Solarisbank is supervised by BaFin (the Federal Financial Supervisory Authority in Germany) and by Bank of Italy, which allows Finom to meet all European regulatory requirements and to guarantee our clients’ funds up to € 100,000 by the European Deposit Guarantee Fund.

Your invoice will always be paid on time

  • Create invoice in 60 seconds with web or mobile App

  • Stand out of the crowd! Design your invoices the way you want

  • Send your customer an invoice to their preferred channel, whether it's email, Whatsapp or Facebook. Close the deal in no time!

  • FINOM can send friendly automatic reminders to your customers, so they won't forget to pay

  • Using the link inside each invoice allows your customer to pay in just one click

Get early access

Our clients’ funds are guaranteed up to € 100,000 by the European Deposit Guarantee Fund

  • Our servers are protected and hosted in the European Union

    We comply with the 2016 General Data Protection Rules (GDPR)

  • Your data is protected

    All information and registration data are encrypted before being sent to our servers so that no one can intercept them.

    Access to App with password authorisation, PIN, fingerprint and face recognition technologies

  • Your money is protected

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

    Real-time transaction notifications and an instant balance update

Free withdrawals up to € 10,000
per month from any ATM in Europe

Get early access

Track your current and future cash flow using the new smart dashboard

Search, categorise, and filter all your data:

  • By type (logistics, marketing, staff, a specific project, etс.)
  • By any period
  • For specific client or supplier

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
  • Who are FINOM's founders?
    FINOM is a fintech company that was founded in 2019 by a team of successful modern serial entrepreneurs. The four founders Andrey Petrov, Oleg Laguta, Konstantin Stiskin and Yakov Novikov have decades of experience in IT and the development of modern banking. In 2014 they launched one of the most profitable neobanks in Europe, which currently looks after more than 250,000 customers, including entrepreneurs and self-employed. Their work is supported by a group of experienced and enthusiastic local entrepreneurs and backed by top in class investors such as Target Global (already an investor in companies like Omio and TravelPerk), General Catalyst (a Silicon Valley venture capital fund that has supported companies like Airbnb and Kayak) and FJ Labs, a phase-independent, consumer-oriented fund headquartered in New York City, Founded by Fabrice Grinda, the # 1 angel investor worldwide according to Forbes.
  • 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.
  • Who within the company can open the account?
    To open your FINOM business account, you must be the legal representative of your company. Legal representative means a natural person who is authorized to act on behalf of the company and is authorized to carry out all actions relating to the general administration of the company in accordance with the company's purpose, for example a CEO.