Finom
Finom is a company based in Netherlands. Builders in Fintech has recorded 4 equity rounds for Finom, most recently a series c round of €115M on 23 June 2025.
Challenger bank
Added ·
- DNB · E-money institution · Authorised
- €165M + $112M
- Series C · €115M · 23 June 2025 · led by AVP
Timeline
Series C · €115M · AVP (lead), Cogito Capital, General Catalyst, Headline, Northzone
Late-stage round · $105M · General Catalyst (lead)
Series B · €50M · General Catalyst (lead), Northzone (lead), Cogito Capital, Entrée Capital, FJ Labs, Target Global
Seed · $7M · Target Global (lead), General Catalyst
All funding rounds in the database
Product
Business account with invoicing, cashback and accounting integrations
Digital banking
Markets: Germany
Finom is a European online business account for freelancers, sole traders and small companies, including firms still under registration. Customers can open an account with a local IBAN, for example a German IBAN within 24 hours, make domestic and international payments, issue invoices and e-invoices, control expenses with cards for employees and connect to accounting software. Finom also offers cashback of up to 3 per cent on card spending and quick personal assistance. The company focuses on markets in continental Europe, including Germany.
Agent access
Description from the company website
Agent-Ready 2/5
- Discoverable — Can an agent find and read it?Found
- Documented — Can it understand the API without a login?Not found on 3 November 2026
- Testable — Can it try the API without a sales call?Not found on 3 November 2026
- Connectable — Can it connect directly (MCP)?Not found on 3 November 2026
- Trusted — Can it see who runs it securely?Found
Description from the company website · Source
Licences & registrations
FINOM Payments B.V.
E-money institution · DNB · Netherlands
From public registers as of the last-checked date. Always confirm on the regulator's register before relying on it.
In the news
Headlines from third-party publications, matched automatically. Links go to the original source.
Mentioned on the podcast
Finom was founded in 2019 with partners who had led Sberbank's SME division and launched Modulbank, a top-three digital SME bank in Russia.
Finom has four founders; one acts as operational CEO while Kostantin focuses on strategy, and they reshape roles roughly every year to year and a half.
Finom runs a matrix structure of functions and cross-functional domains and works on fewer things in parallel than peers, focusing on quality.
Finom's latest capital raise began in October 2023, term sheets were signed in November and the deal closed on 22 December.
Internal AI agents at Finom do the work of about 40 people, and it offers AI-driven accounting.