🏦 Which professional bank should you choose in 2026: N26 Business or Finom?
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N26 Business is the bank for independent travelers. Finom positions itself as the all-in-one financial tool for SMEs and freelancers.
However, despite their advantages, both solutions have a major weakness: they do not offer funding direct nor of remunerated cash flow. This is where it is positioned Heropay, the third way that offers you a free pro account, instant financing and profitable cash flow.
Quick overview of N26 Business and Finom
N26 Business in brief
German mobile bank, N26 Business is a pro account designed for self-employed And independents.
Its main advantage is the simplicity of its application and the foreign payments without fees, making it a partner of choice for professionals on the move.
Account opening is 100% online and takes just a few minutes.
Finom in brief
Finom is a European financial platform, founded in 2019, which positions itself as an "all-in-one" tool for freelancers and SMEs.
Its offering includes features such as invoicing, expense management and accounting integration.
It also allows you to benefit from cashback on business expenses.
| Colonne | N26 Business | Delicious | Heropay |
|---|---|---|---|
|
|
|
|
| from 0 to 16.90 € excluding VAT | from 0 to 339 € excluding VAT | from 0 to 39 € excluding VAT |
| Cashback on purchases, sub-accounts, travel insurance, foreign currency payments without fees. | Invoicing, expense management, cashback, multi-banking, integrations. | Instant financing, remunerated cash flow, French IBAN, Visa cards. |
| Chatbot, livechat, phone (depending on plan). | Chat (varies by plan). | Customer support 7j/7. |
| Reduced fees abroad, cashback, insurance included, intuitive app. | Cashback, multi-banking, integrations, free offer. | Financing up to €50k, cash flow remunerated up to 5%, free pro account. |
| Limited banking services, no overdraft, no capital deposit. | No overdraft, variable support, complex interface, no capital deposit. | No integrated accounting tools. |
N26 Business and Finom fees and rates
N26 Business Rates and Plans
N26 Business Standard (€0/month): The essentials with a virtual card, international payments without fees, and cashback of 0,1 % on purchases. Withdrawals in euros are limited to 3 per month.
N26 Business Smart (4,90 €/mois): Includes a customizable physical card,5 withdrawals in euros free per month, and10 sub-accounts to organize your budget.
N26 Business You (9,90 €/mois): For travelers, this plan offers free foreign currency withdrawals and one comprehensive travel insurance.
N26 Business Metal (€16.90/month): The top of the range with a metal card,8 withdrawals in euros free, and a cashback of 0,5 %.
Finom Rates and Plans
Finom Solo (0 € excl. VAT/month): A free pro account with 1 virtual card, 50 free transfers/direct debits and an IBAN.
Finom Basic (€21 excluding VAT/month or €17 excluding VAT/month if paid annually): For VSEs and self-employed people, includes 100 free transfers, 1 physical card and up to 3% cashback.
Finom Smart (€45 excluding VAT/month or €37 excluding VAT/month if paid annually): For micro-businesses, includes unlimited users and cards, 200 free transfers and an AI assistant.
Finom Pro (€149 excluding VAT/month or €119 excluding VAT/month if paid annually): For SMEs, with a ceiling of free outgoing SEPA transfers up to €100,000, 8 physical and virtual cards.
Finom Grow (€339 excluding VAT/month or €249 excluding VAT/month if paid annually): A more comprehensive plan with unlimited SEPA transfers and a dedicated account manager.
N26 Business stands out for its simple fares and a focus on travel, while Finom offers a more complex and feature-rich offering.
It is aimed at a wider variety of businesses.
Features and services included
| Functionality | N26 Business | Finom |
|---|---|---|
Application & Management | Intuitive, instant notifications and “Spaces” sub-accounts. | Very comprehensive, analysis tools, expense and team management. |
Capital Deposit | Impossible to make a deposit of capital or checks. | Impossible to make a deposit of capital or checks. |
Funding | No financing or overdraft, no savings account. | Non financing or overdraft, but offers a savings account on advanced plans. |
Accounting & invoicing management | Tool for creating and tracking your invoices. Integration with accounting software. | Integrated invoicing tool, automatic accounting reconciliation. |
International payments | Foreign currency card payments free of charge. | Management of + 17 currencies, local accounts in several countries, interbank exchange rates. |
Cash register solution | Payments are primarily made via bank transfer. There is no integrated payment solution. | The service focuses on SEPA transfers and automatic reconciliation with invoices. |
The advantages and disadvantages of each bank
| Bank | Advantages | Disadvantages |
|---|---|---|
N26 Business | Reduced fees abroad, cashback on purchases, insurance included and intuitive application. | Banking services boundaries, no overdraft or capital deposit. |
Finom | Cashback on professional expenses, multi-banking, accounting integrations, free offer with unlimited transfers. | No overdraft allowed no credit, variable customer support, rich interface that may seem complex at first. |
Which profile is N26 Business suitable for?
N26 Business can correspond to the self-employed or freelancers who manage their business in a way 100 % mobile.
It's a great solution if you travel frequently or work with clients abroad, thanks to its fee-free card payments in foreign currencies.
Which profile is Finom suitable for?
Finom can correspond to the Small and medium-sized businesses who manage several employees and need to centralize their tools.
This is a good option if you are looking for an account with integrated accounting features, team expense management tools and a system of cashback.
Which profile is N26 Business NOT suitable for?
N26 Businessnot suitable if your activity requirescheck depositsor cash. If you are the head of a company (SARL, SAS, etc.) and you need a capital deposit, N26 will not be able to meet your needs.
Which profile is Finom NOT suitable for?
Finom is not the best option for a freelancer who has very basic banking needs.
The richness of its features can make itscomplex interfaceand its customer support varies depending on the plan. In addition, it does not offer a direct financing solution.
Use case: Baptiste, ambitious e-commerce merchant
Baptiste is an e-commerce solopreneur who sells home decor items.
With 50 000 €of CA, he aims M€ within two years and is planning to hire someone. He needs a solution with unlimited travel, a card for his future employee, and cash flow facilities for his inventory and marketing expenses.
The verdict:Neither N26 Business nor Finom are obvious choices:
N26 is a simple solution but too limited for such a project of growth.
Finom is feature rich but its team management is limited on entry-level plans and it does not offer financing.
In this context, a solution that combines a high-performance pro account with financing options would be particularly relevant.
This is the case ofHeropaywhich offers instant financingfor its cash flow needs and remunerated cash flow to make Baptiste's cash grow.
What you need to know before opening a pro account with N26 Business and Finom
Bank status:N26 is a German mobile bank. Finom is a payment institution. This means that neither offers authorized overdraft or credit.
Capital deposit: Alone Finom offers a capital deposit service for company formation, which is a major advantage over N26 Business which only caters to sole traders.
Local IBAN:Both platforms provide aFrench IBAN, which ensures compatibility with URSSAF and tax services.
Hidden costs:Watch out for foreign currency withdrawal fees which can reach1,7 %at N26. For its part, Finom applies limits on free SEPA transfers, especially at the entry level.
N26 Business vs Finom : verdict
The choice between N26 Business and Finom depends on your profile and your priorities.
N26 Business is the best choice for self-employed and freelancers who prioritize mobility and international transactions. It's a good option if your goal is to have simple management and travel without worrying about foreign currency payment fees.
Finom is more suited to VSEs and SMEs that manage several employees and are looking for an all-in-one management ecosystem, cashback and integrated accounting features.
Top 10 alternatives to N26 Business and Finom
- Heropay: free pro account, integrated financing and cash flow remunerated up to 5%.
Honestly: management of teams and multiple cards, suitable for VSEs and SMEs.
Revolut Business: reference for companies operating internationally.
Shine: simple and intuitive pro account, with integrated administrative tools and award-winning customer service.
Indy (compte pro): all-in-one pro account and accounting software.- Blank (La Banque Postale): La Banque Postale solution for the self-employed.
Boursorama Pro: the online professional offer from a traditional bank.
Propulse by CA: 100% online solution from Crédit Agricole.- Vivid Business: management of sub-accounts and cashback programs.
OnlyOne Business: solution focused on eco-responsibility and development aid tools.
The alternative to N26 Business and Finom: why choose Heropay?
Although N26 Business and Finom are strong in their field, they share a major weakness: the lack of funding direct and remunerated cash flow, yet crucial for growth.
Heropay fills this gap by offering a free pro account which includes an integrated financing up to €50,000 (with Hero Pro) and one cash remunerated up to 5%.
FAQ about N26 Business and Finom
Is there a free offer for N26 Business and Finom?
Yes, both banks have a free offer. N26 Business proposes a plan Standard free. Finom also has a solo free.
Are N26 Business and Finom suitable for VSEs and SMEs?
N26 Business is designed for self-employed and independent workers, while Finom is a more comprehensive solution with modular plans for micro-businesses and SMEs, including team management features.
Are both solutions suitable for international transfers?
N26 Business is suitable for payments in foreign currencies because it does not apply no fees on card payments.Finom allows you to manage more than 17 currencies with a competitive exchange rate and fixed transfer fees of 5 €.