Updated September 28, 2026 · SumCue Editorial Team
Finom vs SWK Bank
Finom
SWK Bank
Higher score in this comparison
Where Finom and SWK Bank differ
| Compare | FinomReviewVisitVisit | SWK BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5%Higher | 3.21% |
| Minimum deposit | €0Lower | €10,000 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Fixed term, no early access during the agreed term, extension possible after term end |
| Account kind | Cash management | Fixed |
| Term | Not confirmed | 24 to 120 months |
Same on both: Rate type (Fixed), Deposit protection (EU DGS up to EUR 100,000), 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
- SWK Bank scores higher overall: 9.5 vs 8.9.
- Founded is lower at SWK Bank: 1959 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Minimum deposit is lower at Finom: €0 vs €10,000.
- Headline rate is higher at Finom: 5% vs 3.21%.
- Support channels: only Finom offers Chat, Community.
- Support channels: only SWK Bank 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.
SWK Bank
SWK Bank suits borrowers in Germany with permanent employment who want a long fixed-rate instalment loan with no arrangement fee. Its APR of 5.29% to 12.99% sits well under the site median of 15.5%, and a fixed deposit at 3.21% gives savers a home for cash.
Score breakdown
| Area | Finom | SWK Bank |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 9.3 |
| Offer | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.6Origination fee of 0 EUR, APR of 5.29% to 12.99% against a site median of 15.5%. |
| Trust | 8.2 | 9.6Higher |
How they place
| Ranking | Finom | SWK Bank |
|---|---|---|
| Savings | 3 of 1492 | 109 of 1492 |
| Fixed-rate bonds and term deposits | 1 of 199 | 14 of 199 |
What it costs in practice
10,000 saved for 12 months
Finom
€500
5% of 10,000 - 12 × €0
SWK Bank
€321
3.21% of 10,000 - 12 × €0
Finom comes out €179 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
Finom
- finom.co: 12 facts, checked September 26, 2026
SWK Bank
- swkbank.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Finom | SWK Bank |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Legal entity | PNL Fintech B.V. | Sued-West-Kreditbank Finanzierung GmbH |
| Headquarters | Netherlands | Germany |
| Founded | 2019 | 1959Lower |
| Support channels | Email, Chat, Help centre, Community | Phone, Email, Help centre |
Credit cards
| Fact | Finom | SWK Bank |
|---|---|---|
| APR | Not confirmed | 5.29% to 12.99% |
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Not confirmed |
| Rewards rate | up to 3% | Not confirmed |
| Credit needed | Not confirmed | Good |
| Audience | Business | Not confirmed |
Where each stands against the rest
| Fact | Finom | SWK Bank | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3.21%below the median | 3.3% |
| Term | Not confirmed | 24 to 120 monthshighest quarter | 60 |
| Minimum deposit | €0below the median | €10,000highest quarter | €1 |
| Monthly fee | €0at the median | €0at the median | €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.
SWK Bank
Pros
- Arrangement fee of 0 EUR on the instalment loan
- APR of 5.29% to 12.99% against a site median of 15.5%
- Repay early free of charge on the instalment loan
Cons
- Loan amounts run €7,500 to €100,000, so smaller sums fall outside the range
- A hard credit check and good credit needed, so a negative entry rules you out
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.
SWK Bank
Who it suits
- German residents with permanent employment and a clean credit record
- Borrowers planning home improvements, a car purchase or debt consolidation
- Savers who can leave a fixed sum untouched for the agreed term
Who should look elsewhere
- Anyone wanting a higher rate ceiling, since Cashspace quotes APRs of PHP 12 to PHP 36
- Anyone on probation, self-employed, or carrying a negative credit entry
- Borrowers who want a variable rate, since the fixed rate here never reprices
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 | SWK Bank |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Cyprus | Yes | No |
| France | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Poland | 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.
SWK Bank
What does a SWK Bank instalment loan cost?+
The arrangement fee is 0 EUR, and the APR runs 5.29% to 12.99% on a fixed rate, so the cost holds steady across the term. A published representative example shows a net loan repaid over 24 to 120.
How much can I borrow and for how long?+
Loan amounts run €7,500 to €100,000 with terms of 24 to 120. Repayments are fixed, and early repayment carries no charge. The loan amount is transferred to your current account within a short wait.
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Finom
SWK Bank