Finom
Finom is a B2B expense / corporate issued on Visa, rated 6.6/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Finom is the strongest fit for app store / play and free issuance, and asks for business KYC at signup — we carry it at low (EMI PNL fintech B.V., regulated) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Finom · B2B Expense / Corporate |
| Official site | https://finom.co |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.6/10 (3.5★, 898 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0 (free virtual cards) |
| Monthly / annual fee | Plan-based ··· |
| Top-up (deposit) fee | Not published (SEPA; fiat) |
| FX / conversion fee | 0.15-0.5% international (plan-based) |
Verification and risk
| KYC required | Yes (business KYC, biometric, EU) |
| Risk level | Low (EMI PNL Fintech B.V., regulated) |
| AVS check | No |
| 3-D Secure | Yes (Visa) |
Funding and limits
| Crypto top-up | No (EMI, SEPA, fiat) |
| Bank transfer | Yes (SEPA, 22 currencies) |
| Alipay / WeChat Pay | No |
| Cards per account | Free virtual: Solo 1 / Basic 3 / Smart 10 / Pro unlimited |
Billing
| Billing address | EU General |
| Billing country | EU/EEA |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
| Meta / Google Ads | No |
What the issuer states on its own site
- This allows you to withdraw up to € 10,000 per month free of charge.
- Up to € 10,000 per month can be withdrawn free of charge in Germany and Italy and up to € 2,000 per month (depending on your plan) in France.
- This means that your business account with Finom is protected by deposit insurance (up to € 100,000) which is made available in accordance with applicable local rules and legislation.
Source: https://finom.co.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 413665 | Visa | EEA (Europe) | Debit | 295 | 211 | 71.5% |
We logged 211 cleared charges out of 295 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Finom cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Plan-based (Solo EUR0; Smart ~EUR10-34; Pro ~EUR20-119, per user, varies by country); top-ups cost Not published (SEPA; fiat); conversion is priced at 0.15-0.5% international (plan-based). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Finom?
Finom asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business KYC, biometric, EU)
How can I fund Finom?
You can fund it with bank transfer (SEPA, 22 currencies). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Finom need?
Setting it up: the billing address type is EU General; cards are issued against EU/EEA; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Finom work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Finom trigger 3-D Secure?
Yes. Finom supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Finom?
The issuer allows Free virtual: Solo 1 / Basic 3 / Smart 10 / Pro unlimited. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.