Finom Finom Solo
A plan byFinom
Finom is a Dutch EMI regulated by the DNB (BIC FNOMNL22XXX), well rated on Trustpilot (4.7/5), offering cashback up to 3%, multibanking and integrated invoicing and accounting tools. It supports both SEPA and SWIFT transfers (on all plans, including the free tier). Remaining limits are unavailability in the USA due to FATCA and funds held in safeguarding, not covered by a deposit guarantee.
Finom Solo
- Price
- Free
- Issuance fee
- Free
- FX markup
- 3%
- Cashback
- 3%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- €500/giorno
- Net annual cost
- Free
What's included
- Free business
- DATEV integration
- Free debit Visa
- 3% cashback
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · DE, NL |
| Multi-currency | Yes · 20 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | Free |
| Interest on balance | 5% |
| ATM withdrawal | Free |
| Free ATM limit | €500/giorno |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 25+ countries |
| Regulator | DNB |
| OAM Italy registration | No |
| MiCA / License status | EMI De Nederlandsche Bank (EMI) |
Strengths
- Trustpilot 4.7/5; cashback up to 3%; SEPA+SWIFT; integrated invoicing+accounting.
- No notable sovereignty advantage documented.
Weaknesses
- Funds in safeguarding (no deposit guarantee); not available in the USA (FATCA).
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (De Nederlandsche Bank (EMI)): reporting to authorities and freezes on order.
Verdict
A Dutch EMI supervised by the DNB and well rated on Trustpilot (4.7/5), Finom pairs cashback up to 3%, SEPA and SWIFT transfers and integrated invoicing and accounting tools that make it solid for European SMEs. On the protection side, the key limit is that funds sit in safeguarding (not covered by a deposit guarantee); it also remains unavailable in the USA due to FATCA.
Finom is built for business accounting, not sovereignty over funds: full KYC, a custodial account and a SEPA-bound scope. The limited coverage and lack of crypto-native features leave this lens uncovered; the value lies entirely in management integration.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Finom a real bank?
Finom operates under a EMI licence (NL). It is regulated by DNB. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with Finom?
Yes, Finom allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Finom support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Finom support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Finom?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · On-chain crypto withdrawals · +3 Data verified on Jun 15, 2026
- dnb.nl Issuer Data verified on Jul 11, 2026
- neobanks.guide Data verified on Jul 11, 2026
- fintechcompass.net Plans & pricing · Cashback Data verified on Jun 15, 2026
Show 6 more sources
- help.finom.co Cashback Data verified on Jun 15, 2026
- techcrunch.com Investors · Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- thebanks.eu Deposit guarantee Data verified on Jun 15, 2026
- wise.com SEPA fee · SWIFT fee · Savings interest Data verified on Jun 15, 2026
- eif.org Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026