Finom’s German plans, checked in September 2026, run from a free tier upward: Solo €0/month (1 user, €2,500 of free SEPA transfers, one virtual card), Basic €8 (2 users, €25,000 SEPA, 1% cashback), Smart €19 (€50,000 SEPA, 3% cashback), Core €38 (€100,000 SEPA, 4% cashback), Pro €149 and Grow €339 for unlimited users with lower or zero FX fees. Paying yearly cuts each price. The figure most people miss is the free SEPA transfer allowance — it is the thing that actually determines which tier you need, more than the user count.
Finom Germany is an all-in-one business banking and accounting platform built for Freiberufler, Einzelunternehmer, small GmbH/UG companies and growing SMEs. It combines a business account with a German IBAN, Visa Business cards, GoBD-compliant invoicing, expense management and accounting integrations in a single clean web and mobile interface.
Designed specifically for the German market, Finom helps you open a Geschäftskonto fully online, send GoBD-compliant invoices with the correct USt., manage team expenses and connect with your Steuerberater through native DATEV export so your bookkeeping always stays in sync.
German IBAN, unlimited SEPA transfers and direct debits, free SEPA Instant transfers on paid plans.
Multiple physical and virtual Visa Business cards for you and your team with flexible spending limits.
Create invoices and quotes that meet German GoBD and § 14 UStG requirements with automatic numbering and VAT.
Capture receipts (Belege), categorize expenses and reconcile transactions automatically with smart rules.
Native DATEV exports and clean data formats so your Steuerberater always stays in sync.
Manage your account, send invoices, freeze cards and pay suppliers from a polished iOS and Android app.
Invite teammates and your Steuerberater with granular permissions for approvals, transfers and reporting.
Get help from a German-speaking support team via chat and email, with extended hours on paid plans.
Finom Germany packages a complete Geschäftskonto and Buchhaltung toolkit into a single workspace. You get a German IBAN business account, Visa Business cards with cashback, GoBD-compliant invoicing with quotes and credit notes, expense management with Belege capture and a mobile app that lets you run the whole business from your phone. The integrated bookkeeping module connects to DATEV and gives your Steuerberater clean, categorized monthly exports.
Where Finom Germany stands out is the depth of its DACH-market features. SEPA Instant transfers are free on paid plans, cashback reaches up to 3% on Smart and Pro, and the platform supports Einzelunternehmen, GbR, UG and GmbH structures with the right Pflichtangaben on every invoice. According to public Trustpilot and G2 reviews, German users consistently highlight the DATEV export quality and the speed of Konto-Eröffnung.
Watch Finom Germany in action through these German-language tutorials and customer walkthroughs covering Konto-Eröffnung, GoBD-compliant invoicing, SEPA Instant transfers, DATEV export for the Steuerberater and the Visa Business cashback card.
Finom Germany focuses on the daily financial needs of German Freiberufler, Selbstständige and small companies. The platform covers the full money lifecycle: receiving payments, issuing GoBD-compliant invoices, paying suppliers and salaries, tracking VAT (USt) and exporting clean data to DATEV for your Steuerberater.
Finom Germany prices its business accounts entirely in euros, across a free tier and five paid tiers. Monthly rates are shown first, with the yearly-billing rate in brackets where it differs.
The number that actually decides which tier you need is the SEPA transfer allowance, not the headline price — it rises from €2,500 on Solo to €100,000 on Core. Work out your monthly transfer volume first and the right tier usually picks itself.
All paid plans include the German IBAN, free SEPA Instant transfers, a dedicated AI-Assistent and an Account Manager for credit products supplied by Finom Growth B.V.
German Finom customers consistently praise the speed of Konto-Eröffnung and the depth of the DATEV export for their Steuerberater. We have not verified a current Trustpilot average for Finom, so we are not quoting one — check it directly before relying on it. The praise that recurs in German-language reviews is for the German-speaking support team and free SEPA Instant transfers (source: public Trustpilot Finom profile). Some German users note that the lack of Postbank cash-deposit support is a small drawback, but most agree the GoBD-compliant invoicing and Visa cashback more than make up for it (source: public G2 and Capterra reviews).
If Finom Germany does not fit your needs, here are some popular alternatives: Holvi (a Finnish-German business account with invoicing for solopreneurs), Kontist (a German account for freelancers with tax features), N26 Business (a German neobank with a free business account for self-employed) and Qonto (a European neobank for SMEs with strong accounting integrations).
Below are the most common questions German entrepreneurs and SMEs ask about Finom Germany.
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