Finom
Billing software
Foreign exchange software
Remittance & money transfer software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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€8.99 per month
Free TrialFree version
Small
Medium
Large
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What is Finom
Finom is a digital business finance platform that combines business accounts, payments, and spend management with invoicing and basic bookkeeping support. It targets freelancers and small to mid-sized businesses that want to manage banking, cards, and billing workflows in one place. The product emphasizes multi-user access, card controls, and integrations with external accounting tools rather than operating as a full ERP suite.
Business accounts and cards
Finom provides business accounts with local payment rails (availability varies by country) and issues physical and virtual cards for employee spending. It supports role-based access so teams can separate responsibilities across finance and operations. Card controls and transaction visibility help centralize day-to-day spend management alongside cash balances.
Invoicing tied to payments
Finom includes invoicing features that connect billing activity to account transactions, reducing manual reconciliation for small teams. Users can create and send invoices and track payment status from the same environment used for outgoing payments. This is useful for service businesses that want lightweight billing without adopting a broader business management suite.
Accounting tool integrations
Finom supports integrations/exports to common accounting workflows, enabling transaction data to flow into external bookkeeping systems. This approach fits organizations that already use dedicated accounting software but want cleaner bank-to-ledger processes. It can reduce duplicate entry compared with managing banking and invoicing in separate tools.
Not a full accounting system
Finom does not replace full general-ledger accounting, advanced revenue recognition, or complex financial reporting found in dedicated accounting platforms. Businesses with inventory, multi-entity consolidation, or complex tax requirements typically still need separate accounting software. As a result, it is better positioned as a finance operations layer than an end-to-end finance suite.
Geography and feature variability
Product availability, local account details (e.g., IBAN), and payment capabilities depend on the country and the underlying banking partners. Some features may be limited or differ across markets, which can complicate standardization for companies operating in multiple regions. Buyers should confirm supported currencies, payment rails, and compliance coverage for their jurisdictions.
Limited customization for workflows
Compared with broader business management platforms, Finom offers fewer options for deeply customizing CRM-to-invoice processes, project-based billing, or complex approval chains. Organizations that need extensive workflow automation across sales, delivery, and finance may find the scope narrow. This can lead to additional tools for quoting, project tracking, or client management.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Solo | €0 / month (Free) | Entry-level free business account (personal IBAN, basic expense management, free physical/virtual cards limits vary by country). |
| Basic | €10.99 / month (monthly) or €8.99 / month (if billed yearly, excl. VAT) -- region-dependent | Starter paid tier with higher card/transfer limits, basic cashback, more users than Solo; 30-day trial is offered in some regions. |
| Smart | ~€27.99 / month (monthly) or ~€23.99 / month (if billed yearly, excl. VAT) -- region-dependent | Mid-tier for small businesses: higher limits, more cards per user, better cashback, faster support; 30-day trial in some regions. |
| Pro | €149 / month (monthly) or €119 / month (if billed yearly, excl. VAT) | Business/SME tier with advanced limits, unlimited cashback up to 0.5%, business account features; available on Finom corporate pricing page. |
| Grow | €339 / month (monthly) or €249 / month (if billed yearly, excl. VAT) | Highest public tier offering concierge-level support, dedicated account manager, highest cashback (up to 1%), customizable limits and international payment benefits. |
Notes: Prices and exact plan names/availability vary by country (Finom shows country-specific pages and occasional promotional discounts). All prices above are shown on Finom's official pricing pages and are presented excl. VAT where indicated on the site.
Seller details
Finom
Amsterdam, Netherlands
2019
Private
https://finom.co
https://x.com/finom
https://www.linkedin.com/company/finom/
