Finom

★★★★★ 4.8

Business Finance Workspace

Bank, invoice and manage your business from one workspace. Finom is the unified platform for European SMEs and freelancers, integrating local IBAN accounts, professional invoicing, and multi-bank aggregation.

Local IBAN 150+ Countries Built-in Invoicing Expense Management Multi-banking

Best for Freelancers, Startups, Agencies, and European SMBs.

Decision Indicators

Best ForEU SMB Workspace

Local IBANFrance, Germany, IT, NL

InvoicingBuilt-in & Auto-match

Multi-bankingAggregate Accounts

CardsUnlimited Virtual

Accounting SyncNative Integrations

Payments150+ Countries

CashbackUp to 3%

Kiree Verdict

Finom is the definitive "Business Finance Workspace." Unlike platforms that focus purely on global infrastructure or treasury, Finom is built for the daily reality of European freelancers and SMEs. Its true strength lies in the seamless integration of banking and invoicing—where customer payments are automatically matched to invoices in real-time. If you want a unified workspace to manage your billing, banking, and multi-bank balances across Europe, Finom is your ideal hub.

Best For

• European Freelancers & Solo-founders
• Small Startups & Growing Teams
• Service-based Agencies
• European Ecommerce Sellers
• Businesses Needing Integrated Invoicing

Not Recommended For

• Large Enterprise Treasury Needs
• High-risk Global Industries
• Need for Merchant Acquiring (Stripe/Adyen)
• Complex Non-EU Financial Structures

Business Eligibility Checker

Determine if Finom's workspace is the right fit for your European business registration and team size.

Company Country

Business Type

Employees

Need Invoicing?

Team Cards?

YES

Match Potential

Account

Available

Invoices

Available

Cards

Available

Accounting

Available

Daily Business Banking with Local IBAN

Finom provides local IBAN accounts in key European markets (FR, DE, IT, NL), ensuring your business operates like a local entity with SEPA and international payment support.

Customer Payment → Local IBAN Account

Inbound Funds → Automatic Invoice Matching

Outbound Payments → Global Supplier Network

Account Features

• Local IBAN (FR, DE, IT, NL)
• SEPA & International Payments
• 5-Minute Digital Onboarding
• High Approval for EU Freelancers

Built-in Invoicing & Auto-match

The heart of the Finom workspace. Create professional invoices, send payment links, and let the system automatically match incoming payments to your open bills.

Invoice Workflow Builder

Create Professional Quote

Convert to Invoice & Send Link

Customer Pays via Local Rail

Auto-match & Mark as Paid

Invoicing Features

• Professional Invoice Templates
• Secure Payment Links
• Automated Overdue Reminders
• Quotes & Delivery Notes

Global Business Payments

Pay your suppliers and partners across 150+ countries. Optimized for SEPA Instant within Europe and reliable international transfers globally.

Payment Planner

Destination

Route SEPA Instant / SWIFT

Arrival Time Instant to 2 Days

Payment Network

• 150+ Countries Supported
• SEPA Instant (within EU)
• International Wires
• Low-cost Currency Exchange

Expense Management & Team Control

Employee Spend → Mobile Receipt Capture

AI OCR → Automatic Data Extraction

Transaction Match → Real-time Accounting

Expense Features

• Automatic Receipt Matching
• AI-powered Categorization
• Real-time Spend Tracking
• Seamless Accounting Export

Team Spending with Cards

Issue physical and virtual cards for your team. Set individual spend limits and enjoy up to 3% cashback on business expenses.

Physical & Virtual

Up to 3% Cashback

Spend Limits

Team Access

Multi-bank Aggregation Dashboard

Connect your other European bank accounts to Finom. View all your balances and transactions in one unified dashboard for complete financial oversight.

Multi-bank Flow

Bank A (Local) → Finom Connect

Bank B (Regional) → Finom Connect

Unified Balance & Transaction View

Dashboard Benefits

• Single View of All Cash Positions
• Unified Transaction History
• Smart Financial Insights
• Easy Fund Management

Recommended Finance Workspace Stack

Finom is the "Finance Workspace" that connects your invoicing, your team, and your banking.

Freelancer

Invoicing: Finom Workspace

Hub: Finom Account

Accounting: AI-ready

Service Agency

Billing: Unified Invoices

Hub: Finom Account

Accounting: Accountant Portal

EU Ecommerce

Store: Payments Link

Hub: Finom Account

Accounting: Auto-sync

Pricing Plans for Every Growth Stage

Solo

Freelancers

• 1 User Access
• Built-in Invoicing
• Basic Virtual Cards
• Standard Accounting

Company

Small Teams

• Team Access
• Advanced Invoicing
• More Virtual Cards
• Enhanced Accounting

Enterprise

Large Teams

• Full Team Access
• Premium Invoicing
• Maximum Cards
• Complete Accounting

Finom Limitations

Not a Merchant Account

Finom is for workspace finance; you still need Stripe or Adyen for merchant acquiring.

Primarily Focused on Europe

Optimized for EEA countries; global features outside Europe may be limited.

Features Depend on Country

Local IBAN and specific tax modules are currently available in select EU markets.

Large Enterprise Treasury

Focuses on workspace operations rather than complex institutional treasury management.

Finom vs Alternatives

Finom vs Revolut Business

Revolut is a global "super-app" with broad features. Finom is a focused "finance workspace" with deeper invoicing and multi-banking integration.

Finom vs Qonto

Qonto is a powerful EU business bank. Finom adds a unique layer of invoicing and multi-bank aggregation to the core banking experience.

Frequently Asked Questions

What is Multi-banking?

Multi-banking allows you to connect and manage all your different European bank accounts within the Finom dashboard.

Does Finom support local IBANs?

Yes, Finom provides local IBANs for businesses in France, Germany, Italy, and the Netherlands.

Is Finom a bank?

Finom is a financial technology company. Banking services are provided by partner banks and regulated financial institutions.