
Laura Isaza
horrible! they used to be good, but then migrated to a different bank...that made all my payments which already had a sepa permission to be non valid and cost me lots of money on rejected payments. now they decided to upgrade me to a different plan without my consent...100 euros for a service I don't want or need...what a scam
2 people found this review helpful
PNL Fintech BV (trade name FINOM)
February 24, 2026
We're truly sorry to read this. Finom didn't switch banks; we secured our own license. This transition required new IBANs, which clients had to provide to their partners for SEPA debits to stay active. Rest assured that we never change a plan without a client's consent, and your plan remained unchanged. We’ve messaged you and called you to help.

Oleksandra
The worst service online banking - the free version costs more, than the first paid plan, the number of services in the paid plan is almost nonexistent compared to other online banks. They cannot work with taxes numbers from Germany that are opened for freelancers and Gewerbe. After a year of using it, I can confidently say: avoid this service. They are not linked to payment or authorization through payment systems; you only need to enter card details if you need to pay for something online.
12 people found this review helpful
PNL Fintech BV (trade name FINOM)
January 5, 2026
Hello Oleksandra, we are sorry to hear this. We do support German freelancers and are constantly improving our plans. We would love to look into the issues with your tax number and payments directly to assist you. Please reach out via in-app chat or email us at the address hello@finom.co, so we can resolve this for you. Thank you!

Rob K
worst bank ever! account blocked two times already since they have their own license, never even called me. they even wanted client information, which is illegal by German law, they have no idea what they are doing! now I have unnecessary legal trouble because of them and my Webshop is already offline for more than a week. definitely look for a different bank!
PNL Fintech BV (trade name FINOM)
April 22, 2026
Hello Rob, we understand your dissatisfaction, but we cannot identify your account from this review. As a regulated financial institution, we only block accounts for valid legal reasons or violations of our Terms and Conditions. To allow us to investigate your specific case, please email us at hello@finom.co from your registered address. Thank you!