Updated October 18, 2026 · SumCue Editorial Team
Finom vs Santander Lokaty PL
Finom
Higher score in this comparison
Santander Lokaty PL
Finom vs Santander Lokaty PL: the differences
| Compare | FinomReviewVisitVisit | Santander Lokaty PLReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 3.6% |
| Rate type | Fixed | Variable |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | no minimum or maximum balance on the account |
| Account kind | Cash management | Easy access |
| Minimum deposit | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Monthly fee | €0 | Not confirmed |
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 8.5.
- Headline rate is higher at Finom: 5% vs 3.6%.
- Support channels: only Finom offers Email, Chat, Help centre.
- Support channels: only Santander Lokaty PL 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.
Santander Lokaty PL
Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
Score breakdown
| Area | Finom | Santander Lokaty PL |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | Not confirmed |
| 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 | Not confirmed |
Positions in our rankings
| Ranking | Finom | Santander Lokaty PL |
|---|---|---|
| Fixed-rate bonds and term deposits | 1 of 199 | 7 of 199 |
Licences and countries
| Country | Finom | Santander Lokaty PL |
|---|---|---|
| Cyprus | Not confirmed | |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Every fact side by side
| Fact | Finom | Santander Lokaty PL |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | PNL Fintech B.V. | Not confirmed |
| Headquarters | Netherlands | Poland |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Phone |
Credit cards
| Fact | Finom | Santander Lokaty PL |
|---|---|---|
| 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 | Santander Lokaty PL | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3.6%above the median | 3.3% |
| Minimum deposit | €0below the median | Not confirmed | €1 |
| 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.
Santander Lokaty PL
Pros
- Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
- The application is completed online, and the captured page says deposits can renew automatically and offers a choice of terms.
Cons
- Money stays tied up for the agreed period
- Early access to funds is limited while the deposit runs
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.
Santander Lokaty PL
Who it suits
- Poland customers who want to open a term deposit online
Who should look elsewhere
- People who need quick access to their savings
- Customers wanting a daily spending 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 | Santander Lokaty PL |
|---|---|---|
| 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 11 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.
Is my money protected?+
Balances are covered by the European deposit guarantee scheme, with protection running EU DGS up to EUR 100,000. Anything held above that figure sits outside the cover, so a business keeping a large float would need to spread it. The provider is supervised in the Netherlands by De Nederlandsche Bank under licence R180074.
Can I get my money out quickly?+
Access terms are instant: you can withdraw at any time and there are no withdrawal penalties on the balance. That matters for a cash management account, where the money is working capital rather than a deposit you plan to lock away. The 5% rate keeps running on whatever stays in the account.
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