Updated October 17, 2026 · SumCue Editorial Team
Finom vs Hargreaves Lansdown
Finom
Hargreaves Lansdown
Higher score in this comparison
Where Finom and Hargreaves Lansdown differ
| Compare | FinomReviewVisitVisit | Hargreaves LansdownReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 3.85% to 4.92% |
| Rate type | Fixed | Variable |
| Minimum deposit | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Easy access: withdraw money at any time, usually takes 1 working day |
| Monthly fee | €0 | £0 |
| Account kind | Cash management | Easy access |
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Key differences
- Hargreaves Lansdown scores higher overall: 9.6 vs 8.9.
- Founded is lower at Hargreaves Lansdown: 1981 vs 2019.
- Finom is available in 10 more countries.
- Headline rate is higher at Finom: 5% vs 3.85% to 4.92%.
- Support channels: only Finom offers Email, Chat, Community.
- Support channels: only Hargreaves Lansdown offers Phone.
- Pricing model: only Finom offers Fixed rate.
Our verdict on each
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.
Hargreaves Lansdown
Hargreaves Lansdown stands apart from standard banks by combining ISAs, pensions, investments and active savings in one investment service. It serves households in the UK who want long term investing with research, analyst insight and app management in one place.
Score breakdown
| Area | Finom | Hargreaves Lansdown |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 9.7Higher |
| Offer | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.3 |
| Trust | 8.2 | 9.8Higher |
Where each is licensed and available
| Country | Finom | Hargreaves Lansdown |
|---|---|---|
| Cyprus | Not confirmed | |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Additional countries for Finom: 11. Additional countries for Hargreaves Lansdown: 1.
Where these facts come from
Finom
- finom.co: 12 facts, checked September 26, 2026
Hargreaves Lansdown
- hl.co.uk: 12 facts, checked September 26, 2026
How they place
| Ranking | Finom | Hargreaves Lansdown |
|---|---|---|
| Savings | 3 of 1492 | 15 of 1492 |
Every fact side by side
| Fact | Finom | Hargreaves Lansdown |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | PNL Fintech B.V. | Hargreaves Lansdown Asset Management Limited |
| Headquarters | Netherlands | United Kingdom |
| Founded | 2019 | 1981Lower |
| Support channels | Email, Chat, Help centre, Community | Phone, Help centre |
Credit cards
| Fact | Finom | Hargreaves Lansdown |
|---|---|---|
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Not confirmed |
| Rewards rate | up to 3% | Not confirmed |
| Audience | Business | Not confirmed |
Where each stands against the rest
| Fact | Finom | Hargreaves Lansdown | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3.85% to 4.92%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
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.
Hargreaves Lansdown
Pros
- Covers Stocks and Shares ISA, Cash ISA and pension in one range
- Provides analyst research on stocks, funds, trusts and ETFs
- Supports regular investing through Direct Debit contributions
Cons
- Manages accounts mainly through online tools and the app
- Keeps the focus on market investments rather than everyday banking
- Bond material spotlights gilts rather than a broad fixed income shelf
Who each suits
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.
Hargreaves Lansdown
Who it suits
- Households building long term ISA and pension savings
- Investors wanting analyst research on shares and funds
- Savers keeping cash savings beside investments
Who should look elsewhere
- Shoppers seeking everyday current accounts
- Savers avoiding market based products
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 | Finom | Hargreaves Lansdown |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Cyprus | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 12 countries where either is available.
Questions about each
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.
Hargreaves Lansdown
What pension does Hargreaves Lansdown provide?+
Hargreaves Lansdown provides a Self-Invested Personal Pension for people who want to direct their own retirement savings. The pension sits beside ISAs and investment accounts. It forms a central part of the long term range.
What can clients invest in?+
Clients can hold UK and overseas stocks, funds, investment trusts and ETFs. The range also covers gilts and wider bond market insight. An inhouse analyst team supplies research and analysis across those markets.
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