Banking · Retail bank
Finom: online business account, with different set-ups depending on the country
Online business account for freelancers and small businesses in Europe, provided by Finom Payments B.V., a Dutch electronic money institution, or, depending on the country, by a partner bank or institution. The entity that holds the account, and therefore the protection of the funds, depends on the country.
Please note
Characteristics
- Family
- Retail bank
- Regulator
- De Nederlandsche Bank (Finom Payments B.V.) ; selon le pays : BaFin (banque partenaire en Allemagne), ACPR (établissement partenaire en France)
- Regulator country
- Netherlands
- Deposit guarantee
- Partly
- Remote opening
- Yes
- Currencies
- EUR
- Services
- Current account · Payment card · International transfers
- Accepted residencies
- Not provided
- Refused residencies
- Not provided
- Home country
- Netherlands
Finom says it serves freelancers, self-employed workers and SMEs across Europe, with an initial launch in Italy; no list of eligible countries or legal forms was found.
Entities and regulatory status
| Entity | Jurisdiction | Status | Regulator | Protection of funds |
|---|---|---|---|---|
| Finom Payments B.V.holds the accountElectronic money institution licensed by De Nederlandsche Bank (registration number R180074), headquartered in Amsterdam, according to Finom's Italian information sheet (undated). Client funds are safeguarded and held through the Stichting Finom. DNB register not consulted; scope of the countries served by this entity not identified. | Netherlands | Payment or e-money institutions | De Nederlandsche BankLicence R180074 | |
| Solaris SEholds the accountPartner bank that provides the German IBAN for Finom customers. | Germany | Brands backed by a partner bank | BaFin | Entschädigungseinrichtung deutscher Banken (EdB) |
| Treezorholds the accountPartner electronic money institution named by Finom; exact scope (countries, products) not identified. | France | Payment or e-money institutions | ACPR |
Who can open or keep an account
| Country of residence | Case | Status | Conditions |
|---|---|---|---|
| Germany | Opening | Accepted | Freelancers and businesses; German IBAN provided via Solaris SE.finom.co |
| Italy | Opening | Accepted | Italian offer provided by Finom Payments B.V. according to the information sheet.finom.co |
| Any residence (general rule) | Opening | Unknown | European countries served are not listed on the page consulted. |
A country missing from this table is neither accepted nor refused: the information is not published.
Published figures
- Account feeNot provided
- Brokerage feeNot provided
- Deposit guarantee ceilingup to €100,000finom.co · Verified on Nov 2, 2026
- Entry ticketNot provided
Which entity, which status
The information sheet for the Italian offer names Finom Payments B.V., an electronic money institution licensed by De Nederlandsche Bank under number R180074, based in Amsterdam (Finom information sheet). Finom's FAQ also mentions two regulated partners: Solaris SE, a licensed German bank, which provides the German IBANs, and Treezor, an electronic money institution (Finom FAQ).
The status therefore depends on the country and the product: electronic money institution for accounts held by Finom Payments B.V., a brand backed by a partner bank for an account with a German IBAN.
The DNB register was not consulted and the information sheet is undated. The allocation of countries between Finom Payments B.V., Solaris SE and Treezor is not published on the pages read.
Who can open an account
Finom targets freelancers, self-employed workers and small and medium-sized businesses "across Europe", according to its FAQ. It does not publish on this page the list of countries of incorporation or of eligible legal forms.
Residence required of the director, acceptance of a foreign company, and what happens to the account after a transfer of the registered office: not identified.
Account, card and currencies
The account is held in euros, with cards and transfers. In Germany, the IBAN is German thanks to the partnership with Solaris SE.
Pricing plans, limits and IBANs provided in other countries: not identified.
Protection of funds
Finom states that funds are protected by a deposit guarantee scheme, up to up to €100,0001, "according to the applicable local rules". This wording applies to an account held by a partner bank.
For an account held by Finom Payments B.V., the information sheet states that client funds are safeguarded, kept separate from the institution's own assets and held through the Stichting Finom: this is protection against Finom's failure, not a deposit guarantee.
Points to check
- The entity that actually holds the account, as stated in the contract: partner bank or electronic money institution.
- The nature of the resulting protection: deposit guarantee or safeguarding.
- The IBAN country, which may matter for certain direct debits or administrations.
Sources and verification dates
- 1.
Deposit guarantee ceiling : €100,000
« protected by deposit guarantee scheme (up to € 100,000) in accordance with applicable local rules and legislation »
Finom, « FAQ – About Finom »Verified on Nov 2, 2026Verified source