Updated September 29, 2026 · SumCue Editorial Team
EstateGuru vs Finom
EstateGuru
Finom
Higher score in this comparison
EstateGuru vs Finom: the differences
| Compare | EstateGuruReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 7%Higher | 5% |
| Minimum deposit | €100 | €0Lower |
| Access terms | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Fixed | Cash management |
| Monthly fee | Not confirmed | €0 |
Same on both: Rate type (Fixed), Deposit protection (EU DGS up to EUR 100,000).
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 EstateGuru: 2013 to 2014 vs 2019.
- EstateGuru is licensed in 1 more country.
- Minimum deposit is lower at Finom: €0 vs €100.
- Headline rate is higher at EstateGuru: 7% vs 5%.
- Support channels: only EstateGuru offers Phone.
- Support channels: only Finom offers Community.
- Pricing model: only Finom offers No monthly fee.
Our verdict on each
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
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 | EstateGuru | Finom |
|---|---|---|
| Cost | 8.3 | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 9.8Higher | 9.7The fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 8.6Higher | 8.2 |
Which one suits you
Pick EstateGuru if trust and headline rate matter most.
Pick Finom if cost and minimum deposit matter most.
What it costs in practice
10,000 saved for 12 months
EstateGuru
700
7% of 10,000
Finom
500
5% of 10,000
EstateGuru comes out 200 higher in this example.
Excludes monthly fee (not stated by EstateGuru). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | EstateGuru | Finom |
|---|---|---|
| Cyprus | Not confirmed | |
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| Lithuania | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Sources behind this comparison
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
How they place
| Ranking | EstateGuru | Finom |
|---|---|---|
| Savings | 37 of 1492 | 3 of 1492 |
| Fixed-rate bonds and term deposits | 4 of 199 | 1 of 199 |
Every fact side by side
| Fact | EstateGuru | Finom |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee, Fixed rateCovers more |
| Legal entity | Estateguru OU | PNL Fintech B.V. |
| Headquarters | Estonia | Netherlands |
| Founded | 2013 to 2014Lower | 2019 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Help centre, Community |
Mortgages
| Fact | EstateGuru | Finom |
|---|---|---|
| Initial rate | 7.2% | Not confirmed |
| Fixed period | 3 years | Not confirmed |
| Maximum loan to value | 75% | Not confirmed |
Credit cards
| Fact | EstateGuru | Finom |
|---|---|---|
| Rewards type | Not confirmed | Cashback |
| Features | Not confirmed | Rewards |
| Rewards rate | Not confirmed | up to 3% |
| Audience | Not confirmed | Business |
Where each stands against the rest
| Fact | EstateGuru | Finom | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 5%above the median | 3.3% |
| Minimum deposit | €100highest quarter | €0below the median | €1 |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
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
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
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 | EstateGuru | 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
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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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