FINOM • EUR
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Ingrid Schneider · Updated: 3 September 2026
FINOM Basic is the entry-level tier from the European fintech provider FINOM for business customers. According to the stored product data, the account targets a very broad range of business forms and is designed as a purely online account with no branch network. A live check of the offer page was not technically possible at the time of this review — the target page returned an access block — so this review relies entirely on the imported product data, which comes from a structured data feed and can therefore generally be considered reliable.
The Basic account carries a stored annual account maintenance fee of €84, equivalent to €7 per month. According to the dataset, online transactions are free across the board, regardless of monthly volume — for the entire range of 0 to 999,999 transactions per month, a fee of €0 is listed. In practice, this means neither businesses with occasional single bookings nor businesses with very high monthly transaction volumes need to expect additional transaction costs. No reliable interest-rate information is available for an arranged overdraft; a classic overdraft facility is likely the exception for this type of account anyway. Compared with business accounts that advertise a €0 base fee but instead charge for individual bookings or card payments, FINOM Basic's predictable model gives businesses with fluctuating transaction volumes better cost visibility, since the monthly charge stays constant regardless of actual usage.
A credit card is included in the price and, according to the dataset, is not optional but a fixed part of the account — unlike some competitors, no separate card fee needs to be budgeted for here. The account is managed exclusively online and via the FINOM app; the stored data profile for this account does not indicate phone support or a branch. For businesses that already operate mostly digitally, this is unlikely to be a practical limitation. Anyone who regularly relies on in-person advice at a branch or on phone support, however, should factor this in before opening an account and consider a provider with a broader service range instead.
FINOM references deposit protection under EU directive: deposits are accordingly protected up to the equivalent of €100,000 at 100% in the respective member state. This corresponds to the EU-wide minimum standard for deposit guarantee schemes and thus offers a level of security comparable to many traditional banks within the EU — a difference from some other fintech providers in the business-account segment that operate as pure intermediaries without their own deposit protection.
The target group stored in the product data is very broad: it ranges from freelancers to sole traders, registered merchants, and partnerships such as a GbR or OHG, through to corporate entities such as a GmbH and entrepreneurial companies (UG). This positions FINOM Basic as an all-round business account for digitally-operating businesses of practically any legal form that want a purely online account with an included credit card and can do without branch or phone service. For businesses with high, irregular transaction volumes in particular, the volume-independent free online transactions can be a noticeable advantage over providers with tiered fees.
Since the live offer page was not accessible at the time of this check, information on any current promotions, discounts, or recent changes to terms could not be additionally verified. Before signing up, it is therefore advisable to check the current terms directly with FINOM, especially since fintech providers tend to regularly adjust their pricing models and trial periods. This limitation concerns only additional, current information — the core figures on fees, the card, and deposit protection cited here come from the structured product database and were not called into question by the missing live check.
Based on the available data, FINOM Basic is a straightforward, purely online business account with free online transactions regardless of volume, an included credit card, and EU-wide deposit protection up to €100,000. At an annual account maintenance fee of €84, it is best suited to digitally-operating self-employed people and businesses that place no value on branch or phone service but appreciate predictable, volume-independent costs.
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