Verified provider profile

Finom

Finom is a European (EEA-based) fintech-infrastructure provider (Spend management, Lending module). Verified at source - licence, regulator and registry reference. Active

EU core · NetherlandsEEA data: YesLicence: EMIVerified at source 2026-06-26
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Who it's for

Finom is built for finance teams managing company cards, expenses and budgets. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: published entry pricing (free plan; from EUR 8.99/mo).

Sovereignty profile

  • Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
  • Company origin: EU core (Netherlands)
  • Ownership / control: no change of control on record

What Finom does

Spend managementLending module

Capabilities & rails

  • Entry price: free plan; from EUR 8.99/mo (as of verification - confirm at source)

Verified licence profile

Finom (Amsterdam, Netherlands; founded 2019) - all-in-one SME financial platform: local IBANs, Visa debit, e-invoicing and accounting, plus SME lending (NL). EMI licence, DNB (2021); active in NL/FR/DE/IT/ES, 125k+ customers; Series C EUR 115m (2025).

Verified 2026-06-26. How we verify → · Official website: finom.co · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - The Netherlands Bank · Ref R180074 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

Timeline

  • 2025 [funding] Series C EUR 115m
  • 2021 [licence] EMI licence from DNB

Similar verified European providers

  • Eurowag EU core EMI Czechia · EEA: YesShared: Spend management
  • Juni EU core EMI Sweden · EEA: YesShared: Spend management
  • Mooncard EU core EMI France · EEA: YesShared: Spend management
  • Pleo EU core EMI Denmark · EEA: YesShared: Spend management
  • Pliant EU core EMI Germany · EEA: YesShared: Spend management
  • Spendesk EU core EMI France · EEA: YesShared: Spend management

Side-by-side

Finom vs Qonto

Verified facts in one table - licence, residency, rails. No verdict.

FAQ

Is Finom European / EEA-based?

Yes. Finom hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Netherlands.

What does Finom do?

Finom covers: Spend management, Lending module. Verified at source by Fintechnologica.

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