FINOM • EUR
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Ingrid Schneider · Updated: 3 September 2026
FINOM Solo is the entry-level account from fintech provider FINOM, which according to the underlying data is aimed specifically at freelancers and sole proprietors. FINOM describes itself on its website as a financial service that bundles a business account, invoicing software and accounting software integrations into one product — Solo is the basic variant of this offering tailored to individuals. For solo self-employed people who care about invoicing and bookkeeping alongside plain payments, this all-in-one approach can be a meaningful difference compared with a plain bank account with no extra features.
Account maintenance is, according to the underlying data, completely free — EUR 0 per year, no monthly base fee. According to the stored data, online bookings are also fee-free throughout, regardless of monthly volume — unlike some other business accounts, there is no threshold here, according to the underlying data, above which extra per-booking costs kick in. The underlying data shows no interest for a tolerated overdraft (0% p.a.); neither the underlying data nor the currently reachable provider page gives a concrete figure for an arranged overdraft facility, so prospective customers should clarify this point directly with FINOM before signing up.
The currently reachable landing page for Solo does not provide additional product-specific fee details beyond the provider's general positioning — the underlying data therefore remains the primary source for this review. Anyone needing concrete, current figures on, for example, foreign-currency transactions or international transfers should ask FINOM directly, since these are documented neither in the underlying data nor on the reachable landing page.
According to the underlying data, FINOM states deposit protection in line with the EU directive: deposits are protected at 100% up to the equivalent of EUR 100,000 in the respective member state — the standard level of protection required by EU law. A physical card is included, plus an additional card that, according to the underlying data, is not optional — i.e. included in the price. The account can be managed online and via the mobile app; the underlying data does not mention a phone channel for this product.
Since FINOM positions itself as a combination of business account, invoicing and accounting integrations, the practical added value for freelancers is likely to lie mainly in the integration of payments and bookkeeping — however, no concrete product-specific details on this for the Solo variant were available at the time of research.
According to the underlying data, there is currently no welcome bonus for this product.
The account is best suited to freelancers and sole proprietors looking for a free, digital business account with legally compliant deposit protection up to EUR 100,000, who also value a potential connection to invoicing and accounting software. The underlying data makes no statement about suitability for larger companies or corporations — according to the target-group field, Solo is clearly tailored to freelancers and sole proprietors, not to GmbHs, partnerships or larger teams with multiple cardholders.
Specific steps for opening an account could not be traced in detail on the currently reachable FINOM sign-up page; however, providers of this kind typically offer a fully digital sign-up via the website or app.
FINOM Solo offers freelancers and sole proprietors a free business account with unlimited free online bookings and legally compliant deposit protection up to EUR 100,000. Anyone who also values a tighter integration with invoicing and accounting should have the specific Solo terms confirmed directly with FINOM, since publicly available detail on this tariff is limited.
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