Updated October 21, 2026 · SumCue Editorial Team
Afranga vs Finom
Afranga
Finom
Higher score in this comparison
What sets them apart
| Compare | AfrangaReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 8% to 10%Higher | 5% |
| Minimum deposit | €10 | €0Lower |
| Deposit protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | EU DGS up to EUR 100,000 |
| Access terms | Early withdrawal of up to 30% of the SaveSmart investment, max EUR 5,000, 1% fee | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Fixed | Cash management |
| Term | 3 to 12 months | Not confirmed |
| Regulators | Financial Supervision Commission of Bulgaria | Not confirmed |
Same on both: Rate type (Fixed), Monthly fee (€0).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finom scores higher overall: 8.9 vs 8.8.
- Founded is lower at Finom: 2019 vs 2021.
- Finom is licensed in 1 more country.
- Minimum deposit is lower at Finom: €0 vs €10.
- Headline rate is higher at Afranga: 8% to 10% vs 5%.
- Support channels: only Afranga offers Phone.
- Support channels: only Finom offers Chat, Community.
- Pricing model: only Afranga offers Low fees.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
Our verdict on each
Afranga
Afranga is a peer-to-peer lending platform, and its SaveSmart product suits beginners who want a fixed target return over a short term, with an account fee of €0 and a minimum investment of €10. The money funds loans rather than sitting in a deposit, so it is outside every deposit guarantee scheme and investor compensation...
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | Afranga | Finom |
|---|---|---|
| Cost | 9.0Free deposits and withdrawals, plus an entry point of €10, keep the cost side simple for a saver. | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 9.3Headline rate of 8% to 10% at a fixed rate over 3 to 12 months, against a site median headline rate of 3%. | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 8.3HigherA named company trading since 2021 under Resolution 863/12.09.2023, with no protection scheme behind the funds. | 8.2 |
Availability and regulation
| Country | Afranga | Finom |
|---|---|---|
| Bulgaria | Financial Supervision Commission of Bulgaria Resolution 863/12.09.2023 | Not confirmed |
| Cyprus | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Choosing between them
Pick Afranga if headline rate matter most.
Pick Finom if cost, offer, and minimum deposit matter most.
Where they rank in our lists
| Ranking | Afranga | Finom |
|---|---|---|
| Savings | 39 of 1492 | 3 of 1492 |
| Fixed-rate bonds and term deposits | 5 of 199 | 1 of 199 |
Where these facts come from
Afranga
- afranga.com: 14 facts, checked October 1, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Afranga | Finom |
|---|---|---|
| Pricing model | Low fees | No monthly fee, Fixed rate |
| Legal entity | Afranga EOOD | PNL Fintech B.V. |
| Headquarters | Bulgaria | Netherlands |
| Founded | 2021 | 2019Lower |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre, Community |
Credit cards
| Fact | Afranga | Finom |
|---|---|---|
| Rewards type | Not confirmed | Cashback |
| Features | Not confirmed | Rewards |
| Rewards rate | Not confirmed | up to 3% |
| Audience | Beginners | Business |
Where each stands against the rest
| Fact | Afranga | Finom | Median |
|---|---|---|---|
| Headline rate | 8% to 10%highest quarter | 5%above the median | 3.3 |
| Term | 3 to 12 monthslowest quarter | Not confirmed | 60 |
| Minimum deposit | €10above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
Afranga
Pros
- Support runs on email, phone and help centre, so a phone line sits alongside written replies and a help centre.
- The service is aimed at beginners, and the money goes into a single fixed account rather than a mixed pot.
- Afranga runs on a low fees model, which keeps the pricing short instead of tiered.
Cons
- Protection is thin: deposit protection and investor protection are both absent, so neither a deposit guarantee scheme nor an investor compensation scheme stands behind the balance if Afranga fails.
- Access terms cut both ways, since early withdrawal reaches only part of the investment, capped at a ceiling, with a percentage fee on the amount taken.
- The term runs 3 to 12 months, shorter than a site median term of 36, so the fixed return is tied up for a brief window.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
Afranga
Who it suits
- Beginners placing a first sum somewhere, since the service is aimed at beginners.
- Savers who can commit for a term of 3 to 12 months and want the return set at the start.
- Anyone comfortable holding the balance themselves, with no deposit guarantee scheme or investor compensation scheme behind it.
Who should look elsewhere
- Savers who want the smallest possible start, since XTB takes a minimum deposit of €0.
- Anyone comparing entry cost across platforms, with Bitpanda taking a minimum deposit of €1 and Afranga asking €10.
- Savers who want a guaranteed payout behind the balance: no deposit guarantee scheme or investor compensation scheme covers the money here.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Afranga | Finom |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Cyprus | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
8 of 11 countries where either is available.
Questions about each
Afranga
What rate does Afranga pay on SaveSmart?+
The headline rate is 8% to 10% a year, and the rate type is fixed, so the return is set when the account opens rather than following the market. For scale, the median headline rate across the site is 3%. The money goes into a single fixed account.
How long do I have to leave my money in?+
The term is 3 to 12 months, which is short next to a site median term of 36. Because the account kind is fixed and the rate is fixed, both the return and the dates are fixed at the start, which suits people who can treat the sum as set aside.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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