Updated September 28, 2026 · SumCue Editorial Team
Finom vs Insignis Cash
Finom
Insignis Cash
Higher score in this comparison
What sets them apart
| Compare | FinomReviewVisitVisit | Insignis CashReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5%Higher | 4.4% to 4.61% |
| 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, notice and fixed-term deposits up to 5 years |
| Term | Not confirmed | 6 to 60 months |
| Monthly fee | €0 | Not confirmed |
Same on both: Account kind (Cash management).
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
- Insignis Cash scores higher overall: 9.0 vs 8.9.
- Founded is lower at Insignis Cash: 2017 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Headline rate is higher at Finom: 5% vs 4.4% to 4.61%.
- Support channels: only Finom offers Chat, Community.
- Support channels: only Insignis Cash offers Phone.
- Pricing model: only Finom offers No monthly fee.
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.
Insignis Cash
Insignis Cash pays a variable rate on a cash management account, with a headline rate of 4.4% to 4.61% and a minimum deposit of £0, so it suits anyone building a balance from a small starting point. The rate can move during a term, so anyone wanting a fixed headline should weigh the trade-off.
Score breakdown
| Area | Finom | Insignis Cash |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 9.5HigherA £0 minimum deposit and a variable headline rate of 4.4% to 4.61% make this a low cost place to park cash. |
| Offer | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.2 |
| Trust | 8.2 | 8.4Higher |
Where they rank in our lists
| Ranking | Finom | Insignis Cash |
|---|---|---|
| Savings | 3 of 1492 | 444 of 1492 |
| Cash management accounts | 1 of 46 | 14 of 46 |
What it costs in practice
10,000 saved for 12 months
Finom
500
5% of 10,000
Insignis Cash
440 to 461
4.4% to 4.61% of 10,000
Finom comes out 39 higher in this example.
Excludes monthly fee (not stated by Insignis Cash). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Finom | Insignis Cash |
|---|---|---|
| Cyprus | Not confirmed | |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
| United Kingdom | Not confirmed |
Additional countries for Finom: 11. Additional countries for Insignis Cash: 1.
Every fact side by side
| Fact | Finom | Insignis Cash |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Legal entity | PNL Fintech B.V. | Insignis Asset Management Limited |
| Headquarters | Netherlands | United Kingdom |
| Founded | 2019 | 2017Lower |
| Support channels | Email, Chat, Help centre, Community | Email, Phone, Help centre |
Credit cards
| Fact | Finom | Insignis Cash |
|---|---|---|
| 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 | Insignis Cash | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 4.4% to 4.61%above the median | 3.3% |
| Term | Not confirmed | 6 to 60 monthsat the median | 60 |
| Monthly fee | €0at the median | Not confirmed | €0 |
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.
Insignis Cash
Pros
- Deposits are covered by the FSCS, with cover stated as FSCS up to GBP 85,000.
- The headline rate of 4.4% to 4.61% sits above the 3% median across savings accounts on the site and the 3.46% median in the cash management ranking.
- Terms run 6 to 60, so you can move between easy access and fixed deposits without changing provider.
Cons
- The rate type is variable, so the 4.4% to 4.61% headline can move during a fixed term instead of being set at the start.
- Support runs on email, phone and help centre only, with no live chat for quick questions.
- Cash management is a small corner of the market at 3.8% of the brands on the site, against 75.2% for easy access, so there is less to compare.
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.
Insignis Cash
Who it suits
- Anyone starting small, since the minimum deposit on the cash management account is £0
- Savers who want a variable headline of 4.4% to 4.61% and the option to fix money for 6 to 60
- People who want to reach help by phone or email through email, phone and help centre
Who should look elsewhere
- bunq, whose headline rate is 3.01%, if a lower return on your money matters more than a term deposit
- Wise, at 3.29%, if a multi-currency balance suits you better than a single UK deposit account
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 | Insignis Cash |
|---|---|---|
| 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.
Insignis Cash
What rate does Insignis Cash pay on deposits?+
The headline rate is 4.4% to 4.61% and it is variable, so the figure moves with the market rather than being set for the whole term. The median savings headline on the site is 3%, so this sits in the upper part of the field. Compare it against bunq at 3.01% and Wise at 3.29% before you commit.
Is my money protected if the provider stops trading?+
Deposits are covered by the FSCS, and the provider states cover as FSCS up to GBP 85,000. The FSCS is the UK scheme behind eligible deposits, so money inside the stated limit is backed by the scheme. Anything held above that limit sits with the provider rather than the scheme, which matters more for larger balances.
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Finom
Insignis Cash