Finom Review 2026

What is Finom?

Finom is a Dutch fintech founded in 2019, targeting freelancers and small businesses across Europe. Its key differentiator: a free plan for solo self-employed professionals, with cashback on business card spending up to 3% on higher tiers.

Available in Germany, France, Spain, Italy, Netherlands, Belgium, Austria, and Portugal, Finom covers more countries than Qonto — including Portugal — which makes it accessible to more EU-based freelancers.

Who is Finom for?

Finom is the best choice for:

• Freelancers and self-employed professionals who want a business account without paying monthly fees
• Those who spend heavily on business expenses and want cashback
• Solopreneurs in countries not served by Qonto (like Portugal)

Finom plans and fees

• Solo (free): 1 user, IBAN, debit card, basic invoicing, 0% cashback.
• Start (€14/month): 1% cashback, more transfers, receipt management.
• Premium (€29/month): 2% cashback, up to 3 users, priority support.
• Enterprise (€79/month): 3% cashback, up to 10 users, advanced features.

Cashback

Finom's cashback program is genuinely useful for businesses with regular card spending — subscriptions, software, travel. On the Enterprise plan (3% cashback), a business spending €3,000/month on cards earns back €90/month, covering the plan cost and then some.

Finom vs Qonto

Both serve similar audiences but differ in key ways:

• Finom wins on: Free plan, cashback, Portugal availability, cost
• Qonto wins on: Accounting integrations, team features, brand recognition, larger network

For a solo freelancer starting out, Finom's free plan is hard to beat. As your business grows and accounting integration becomes important, Qonto is worth the switch.

Bottom line

Finom is the best free business account option for freelancers in Europe. The invoicing tools, unlimited virtual cards, and cashback make it a compelling choice — especially for solopreneurs who don't yet need full accounting software integration.