FINOM • EUR
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Ingrid Schneider · Updated: 3 September 2026
FINOM is a European fintech provider of business accounts aimed at self-employed professionals, freelancers, and small to medium-sized businesses. The Smart plan reviewed here sits in the middle of FINOM's pricing tiers and comes with a feature that's unusual compared to many traditional business accounts: unlimited free online transactions.
FINOM charges 204 euros per year for the Smart plan, which works out to roughly 17 euros per month. All online transactions are included in the price – FINOM lists no cap and no per-transaction surcharge for the Smart plan, regardless of monthly booking volume. That sets it apart from many competitors that charge extra fees once a certain number of transactions is exceeded. No information is available on overdraft interest rates for an arranged overdraft; anyone who needs one should clarify this directly with FINOM before opening an account.
The Smart plan includes one credit card in the price – the data does not specify the card provider. Account management is fully online and via the mobile app; no branch network is advertised, which is typical for a purely digital account. Anyone regularly seeking in-person branch advice or phone support won't find that with FINOM based on the available data.
Deposits are protected up to €100,000 per customer and institution under the EU deposit guarantee directive. That matches the statutory minimum protection offered by traditional German banks as well – an important distinction from some e-money institutions, where balances are not covered by deposit insurance but only by a safeguarding/trust-account structure. Anyone unsure which protection mechanism actually applies should ask FINOM directly before opening an account.
No welcome bonus or other new-customer promotion is currently recorded in the product data for this account. Anyone interested should check directly with FINOM before opening an account for any time-limited offers not yet reflected here.
A fixed annual price with no transaction cap pays off most for businesses whose monthly booking volume fluctuates or is predictably high. Companies with a modest, consistently low number of monthly bookings, on the other hand, pay relatively more per use than with accounts that combine a smaller base fee with a per-transaction charge. It's therefore worth reviewing your own actual booking volume over recent months before deciding.
Since the provider's offer page could not be retrieved for this account, this review relies solely on the available product data. Open questions in particular include the concrete interest rate for an arranged overdraft, the exact card scheme (Visa or Mastercard, physical or virtual), and any time-limited promotions. Anyone needing these details should ask FINOM directly before opening an account.
FINOM aims this account at freelancers, sole proprietorships, sole traders, GmbHs, GbRs, non-trading partnerships, and UGs (haftungsbeschränkt). The Smart plan is particularly interesting for businesses with high and fluctuating transaction volumes who want predictable costs without worrying about additional per-transaction fees – for example, online retailers or service providers with many small incoming payments.
FINOM Smart's main selling point is unlimited free online transactions for a fixed annual fee of €204 – a clear advantage for businesses with high transaction volumes. Anyone with only a handful of transactions per month, however, pays relatively more per booking than with transaction-based pricing models. Since no welcome bonus is currently listed and overdraft terms aren't specified, it's worth checking the current conditions directly with the provider before signing up.
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