Updated September 28, 2026 · SumCue Editorial Team
Finom vs Wise
Finom
Wise
Higher score in this comparison
Finom vs Wise: the differences
| Compare | FinomReviewVisitVisit | WiseReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5%Higher | 3.29% |
| Rate type | Fixed | Variable |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Instant access to money and gains; transfer up to 100,000 GBP (Personal) daily without delay |
| Monthly fee | €0 | £0 |
| Minimum deposit | €0 | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), 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
- Wise scores higher overall: 9.2 vs 8.9.
- Founded is lower at Wise: 2011 vs 2019.
- Wise is licensed in 1 more country.
- Finom is available in 7 more countries.
- Headline rate is higher at Finom: 5% vs 3.29%.
- Support channels: only Finom offers Community.
- Support channels: only Wise offers Phone.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
- Pricing model: only Wise offers No annual 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.
Wise
Wise suits people who hold several currencies and convert often, pairing a monthly fee of £0 with a conversion fee of 0.1% and interest of 3.29% on the balance. The weak spot is cash: free ATM withdrawals stop at £250 and the card ranks 10 of 124 on that measure.
Score breakdown
| Area | Finom | Wise |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 9.3A monthly fee of £0 and a conversion fee of 0.1% keep running costs low, and the monthly fee ranks 1 of 422. |
| Offer | 9.7The fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.8HigherInterest of 3.29% at a variable rate, a debit card, free ATM withdrawals of £250 and support on email, chat and phone. |
| Trust | 8.2 | 8.7Higher |
Which one suits you
Pick Finom if headline rate matter most.
Pick Wise if trust matter most.
What we checked
Finom
- finom.co: 12 facts, checked September 26, 2026
Wise
- wise.com: 8 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Finom | Wise |
|---|---|---|
| Savings | 3 of 1492 | 324 of 1492 |
| Cash management accounts | 1 of 46 | 11 of 46 |
| Credit and debit cards | 2 of 1594 | 359 of 1594 |
Every fact side by side
| Fact | Finom | Wise |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No annual fee |
| Legal entity | PNL Fintech B.V. | Wise Europe SA |
| Headquarters | Netherlands | Belgium |
| Founded | 2019 | 2011Lower |
| Support channels | Email, Chat, Help centre, Community | Email, Chat, Phone, Help centre |
Credit cards
| Fact | Finom | Wise |
|---|---|---|
| Annual fee | Not confirmed | £0 |
| Currency conversion fee | Not confirmed | 0.1% |
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Multi currency, Travel |
| Rewards rate | up to 3% | Not confirmed |
| Audience | Business | Business, KidsCovers more |
Where each stands against the rest
| Fact | Finom | Wise | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3.29%below the median | 3.3% |
| Minimum deposit | €0below the median | Not confirmed | €1 |
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.
Wise
Pros
- The monthly fee on the cash management account is £0, level with bunq at €0 and Varo Believe Secured Credit Card at $0, so nothing is given away on the standing charge.
- A currency conversion fee of 0.1% sits well under the site median of 1%, and the account can hold 40 currencies at the same time.
- Idle balances earn 3.29% at a variable rate while staying available, which bunq and Varo Believe Secured Credit Card do not offer in the same form.
Cons
- The free ATM allowance of £250 ranks 10 of 124, so heavy cash users get less than many rivals.
- The conversion fee of 0.1% is not free: Starling Personal Account Debit Card lists 0% on its travel card, which costs less for people who only spend abroad.
- The rate is variable, so the 3.29% earned on the balance can move instead of staying put for a set period.
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.
Wise
Who it suits
- People paid in a single currency and spending in another, since the conversion fee is 0.1% and 40 currencies can be held side by side.
- Travellers who want a debit card with a monthly fee of £0 and interest of 3.29% left in the account.
- Households running accounts for business and kids.
Who should look elsewhere
- Starling Personal Account Debit Card, which lists 0% on its travel card, suits spenders who would rather pay no conversion charge than 0.1%.
- Varo Believe Secured Credit Card is a secured credit card at $0 a month, so it answers a credit building need rather than a debit card that pays interest.
- bunq, which also charges €0 a month, gives no reason to move on price alone, so the 0.1% conversion fee and the £250 cash allowance are what separate the two.
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 | Wise |
|---|---|---|
| Austria | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Lithuania | No | Yes |
| Netherlands | Yes | No |
| Poland | Yes | No |
8 of 13 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.
Wise
What does the account cost to run?+
The monthly fee on the cash management account is £0, and the pricing runs on the no annual fee model, so there is no separate annual charge. bunq sits at €0 and Varo Believe Secured Credit Card at $0, so Wise competes on conversion pricing and the interest paid on the balance rather than on the standing fee.
How much does it cost to convert currency?+
The currency conversion fee is 0.1%, and the account can hold 40 currencies at once, so money can sit in the currency you are paid in and convert only when you spend. Starling Personal Account Debit Card lists 0% on its travel card, so a reader who never converts pays less there.
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Finom
Wise