Centtrip vs Finom
On cashback Finom wins (up to 3%). The choice depends on your real spending profile: redo the math with your volumes before picking between Centtrip and Finom.
| Centtrip | Finom | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · GB, EEA | dedicato · DE, NL |
| Multi-currency | Yes · 15 currencies | Yes · 20 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | Yes |
| SEPA direct debit (SDD) | No | Yes |
| On-chain crypto withdrawal | No | No |
| Interest on balance | 0% | 5% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK, US, APAC · 100+ countries | EEA · 25+ countries |
| Regulator | FCA | DNB |
| OAM Italy registration | No | No |
| Segment | B2B | — |
| SEPA transfer | — | Free |
| Regions | EU/EEA, UK, US, APAC | EU/EEA |
| Licences & safety | EMI | EMI |
Frequently asked questions
Centtrip vs Finom: which is better?
On cashback Finom wins (up to 3%). The choice depends on your real spending profile: redo the math with your volumes before picking between Centtrip and Finom.
Which is cheaper, Centtrip or Finom?
On the standard spending profile Centtrip has the lowest net annual cost: €0 versus €0 for Finom.
Which offers more cashback, Centtrip or Finom?
Finom has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Centtrip custodial or self-custody?
Centtrip is custodial: funds are held by the platform, while Finom is custodial.