🏦 Which professional bank should you choose in 2026: Revolut Business or Finom?
Summarize this article with AI
Open the article in your preferred AI to summarize, explore and save it for later.
For your professional account, the choice between Revolut Business And Finom depends on the nature of your business. The first has established itself as the reference for the international companies, while the second positions itself as the all-in-one financial tool for SMEs and freelancers. However, while each solution excels in its field, they share a major flaw: they do not offer direct financing to support your growth.
It is on this point that Heropay stands out by combining a free pro account with instant financing and cash flow earning up to 5%.
Quick overview of Revolut Business and Finom
Revolut Business in brief
Revolut Business is a British fintech company that has quickly attracted professionals with its internationally focused positioning.
Its service is not only aimed at self-employed people, but also at companies(VSE/SME). Its strong point is the management of multiple currencies, payments abroad and advanced features for team management and expense reports.
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 offer includes features such as billing, the expense management and the accounting integration.
It also allows you to benefit from cashback on professional expenses.
| Colonne | Revolut Business | Delicious | Heropay |
|---|---|---|---|
|
|
|
|
| from 10 to 90 € excluding VAT | from 0 to 339 € excluding VAT | from 0 to 39 € excluding VAT |
| Multi-currency management, invoicing tools, savings accounts, financing. | Invoicing, expense management, cashback, multi-banking, integrations. | Instant financing, interest-bearing cash flow, French IBAN, Visa cards. |
| 24/7 chat (depending on plan). | Chat (varies by plan). | Support client 7j/7. |
| Multi-currency management, team management tools, advanced features for SMEs. | Cashback, multi-banking, integrations, free offer. | Financing up to €50k, cash flow remunerated up to 5%, free pro account. |
| High prices for advanced features, impersonal customer support, no overdraft. | No overdraft, variable support, complex interface, no capital deposit. | No integrated billing tool. |
Revolut Business and Finom fees and rates
Revolut Business Pricing and Plans
Revolut Business Basic (€10 excl. VAT/month): The entry-level offer, with a French IBAN, management of 25 currencies and10 transactions toll-free.
Revolut Business Grow (30 € HT/mois): Includes amulti-currency account, 100 transfers, national and 5 international transfers per month.
Revolut Business Scale (€90 excl. VAT/month): For growing VSEs, with1,000 transfers national and25 international transfers free per month.
Revolut Business Enterprise (on request): The tailor-made offer for large companies, with priority support and personalized rates.
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.
In summary,Revolut Business stands out for its flexible pricing, ideal for companies with international needs, whileFinomoffers plans that are richer in features and integrations, justifying a higher cost for businesses looking for advanced management tools.
Features and services included
| Functionality | Revolut Business | Finom |
|---|---|---|
International payments | Management of more than 25 currencies, local accounts, exchange at the capped interbank rate. | Fixed costs of 5 €on international transfers, management of more than 17 currencies. |
Capital Deposit | Not offered. | Service offered as part of business creation. |
Team management | Unlimited multi-user access, expense approvals, card and permission control. | Expense and card management, setting individual spending limits. |
Billing & Accounting | Tool for creating and tracking your invoices. Integration with accounting software. | Integrated invoicing tool, automatic accounting reconciliation. |
Cash register solution | Payment by payment link, QR codes,Tap to Pay on iPhone and terminal Revolut Reader. | The service focuses on SEPA transfers and automatic reconciliation with invoices. |
Financing & Treasury | Does not offer credit but savings accounts and monetary funds on advanced plans. | Does not offer credit, but allows cashback and integrations to facilitate cash flow management. |
The advantages and disadvantages of each bank
| Bank | Advantages | Disadvantages |
|---|---|---|
Revolut Business | Multi-currency management, team management tools and advanced features for SMEs, advantageous exchange rates. | High prices for advanced plans, impersonal customer support and often in English,no 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 Revolut Business suitable for?
Revolut Business can correspond to the freelancers and SMEswho have a dimension internationally.
If your business involves managing multiple currencies, collaborating with teams abroad, or buying and selling in foreign currencies, Revolut is right for you.
Which profile is Finom suitable for?
Finomcan correspond to the VSEs and SMEswho manage several employees and need to centralize their tools.
This is a consistent option if you are looking for an account with integrated accounting features, team expense management tools and a system of cashback.
Which profile is Revolut Business NOT suitable for?
Revolut Business is not the best option for a self-employed person who does not travel.
International features won't be of any use to him, and the interface can seem complex. Additionally, advanced features are only available on the most expensive plans.
Which profile is Finom NOT suitable for?
FinomIt's not the best option for a freelancer with very basic banking needs. Its rich features can make its interface complex, and customer support varies depending on the plan.
Furthermore, it does not offer a direct financing solution.
Use case: Lily, an ambitious e-merchant
Lily, founder of a mobile app, generates 150 000 € of CA. As she prepares to raise funds, she needs an escrow account for its capital deposit, a reliable IBAN and clear financial reports for its future investors.
The verdict: Neither Revolut Business nor Finom are obvious choices.
Revolut does not offer no capital deposit service who is crucial for Julie
Finom, although it offers this service, is above all an accounting management tool and its offer is not specifically designed for the challenges of fundraising.
In this context, a solution designed for growth and financing issues would be more relevant.
This is the case of Heropay, which combines the security of a professional account regulated by the ACPR with a focus on the funding, thus directly responding to the needs of ambitious founders preparing their development.
What you need to know before opening a pro account with Revolut Business and Finom
Bank status: Neither Revolut Business nor Finom are traditional banks, but payment institutions. They therefore cannot offer authorized overdraft or credit.
Capital deposit: Alone Finom offers a capital deposit service for the creation of companies.
Local IBAN: Both platforms provide a French IBAN, which ensures compatibility with tax services.
Hidden costs: Check exchange fees beyond your Revolut Business subscription threshold and free transfer limits, especially on Finom's entry-level plans.
Revolut Business vs Finom: verdict
The choice between Revolut Business and Finom depends on your profile and your priorities.
Revolut Business is better than Finom for international businesses, especially if you have multi-currency management needs and teams abroad.
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 Revolut 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.
Shine: simple and intuitive pro account, with integrated administrative tools and award-winning customer service.
N26 Business: quick online opening, account managed from the mobile application.
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.
Wallester Business: international online bank for businesses.
The alternative to Revolut Business and Finom: why choose Heropay?
Although Revolut 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 €50,000and one cash remunerated up to 5%, a unique approach 100% focused on profitability.
FAQ about Revolut Business and Finom
Is there a free plan for Revolut Business and Finom?
Yes, Finomproposes a planAlonefree with 50 transfers free per month. Revolut Business does not have a free plan, its entry-level offering is the plan Basic has 10 € per month.
Are Revolut Business and Finom suitable for VSEs and SMEs?
Yes. Revolut Business is designed to accommodate business growth with modular plans that include features for team management. Finom also offers plans dedicated to micro-businesses and SMEs.
Are both solutions suitable for international transfers?
Revolut Business is more suitable than Finom because it manages more than 25 currencies and offers an exchange at the interbank rate.Finomallows you to manage more than17 currencies with a competitive exchange rate and fixed transfer fees of 5 €.