Freelancers, meet Finom: Your new banking best friend

Say "hoi" to invoicing with ease! ✨

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From a good grasp of finances to proper certification from the Chamber of Commerce, there are plenty of requirements to becoming a freelancer in the Netherlands

Tackling the financial aspect of it all can be difficult if you’re just getting started — but this is why services like Finom exist.

Freelancing and finances in the Netherlands

Becoming a freelancer in the Netherlands can seem challenging. From finding clients to establishing a personal brand, you learn a lot of things on the job.

But from the get-go, you’ll have to be really involved with your finances — and many freelancers struggle with this. 

freelancer-in-the-netherlands-looking-at-tax-documents
Finom spares you the hassle of wrangling unpaid invoices and sorting through endless tax documents! Image: Freepik

This is especially the case if you don’t know all the jargon or every single detail about which subsidies, tax returns, and deductibles apply to your situation. 

You have to consider:

  • What’s a reasonable billing rate per hour
  • How to send bills to your clients in an effective and organised way
  • Filing and paying income taxes, as well as BTW and other potential business taxes
  • Setting up your pension fund when you don’t have an employer who contributes
  • Managing the day-to-day business expenses while keeping personal finances separate. 

Sounds a bit overwhelming, right? Geen stress, this is where Finom can help out. 

What is Finom?

Finom is a financial tech company based in the Netherlands focused on helping entrepreneurs (freelancers included!) with their finances.

graphic-for-finom-banking-app-for-freelancers
With a user-friendly interface and powerful money-management features, Finom is a great choice for ZZP’ers! Image: Finom

The company sets a standard for “doing business” by creating a platform where freelancers (and other self-employed, and small businesses) can manage their finances and account for their expenses. 

Managing your finances with Finom

So, what does all this actually mean for your business? How is Finom going to help you manage the financial side of your business?  

Put simply, you can open bank accounts, get physical or virtual bank cards, make international payments, invoice clients, and more — all in one place. Talk about a Swiss knife for your finances!

As a freelancer, you’ll benefit from a ton of Finom’s services. Now, let’s get into the specifics of this handy tool. 👇

Finances have never been more simple, accessible, and safe

Perhaps the scariest thing about being a ZZP’er in the Netherlands is managing your finances and keeping track of how much money should be here, there and everywhere. 

This quickly makes the process seem quite chaotic.

freelancer-working-on-his-laptop-outside-a-dutch-caf
With an app taking the load of financial management off your back, you’ve got more time to dedicate to your freelancing business. Image: Freepik

What happens when you remove that chaos and simplify your finances? Things become a lot more manageable — and that’s exactly what Finom can do for your business. 

Separate your personal and business finances

Firstly, you can easily separate your work finances and your personal finances and get a fresh Dutch IBAN. This makes your accounting and expenses much easier to keep track of. 

All your finances — in one place

Are you an international freelancer in the Netherlands? Geen probleem, it’s also easy to integrate other banks and financial matters from all over Europe through Finom.

woman-using-smartphone-to-check-financial-overview-in-finom-app
With a full overview in one click, you can even handle financial tasks from the comfort of your own mobile phone. Image: Freepik

This means you can see where your money is going (and coming from) all in one place

And protected under top security measures

Whether you’ve got business elsewhere in Europe or just in the Netherlands, you can rest easy knowing your money and data will be safe through Finom’s top security measures.

READ MORE | Best banking apps for internationals in the Netherlands

And just how secure is that?

Well, from biometric protection to regular security audits and two-factor authentication, Finom has also partnered with one of the world’s largest multinational banks (BNP Paribas) to ensure even greater protection. 🔐

Freelance like a pro

On top of helping you keep track of the numbers, Finom offers many other handige features that are essential for freelancers. 

Automated invoices? Yes, please

For example, one extremely helpful tool that Finom also offers is an invoicing service. 

Through this, you can automate sending your bills to clients — super handy if you have to handle lots of requests at once (and no more worrying about whether you’ve charged someone twice, or worse, not at all).

Cashback for transactions? Now we’re talking

What’s more, you can get up to 3% cash back on most of the transactions you make.

dutch-freelancer-checking-her-cashback-on-the-finom-mobile-phone-app-with-open-laptop-in-front-of-her
Money back for each transaction? Hoera, sign us right up! Image: Freepik

This means that you get a small percentage of money back for the transactions you make using physical or virtual debit cards from Finom! This amount is between €10 and €20 per month and depends on the plan you have at Finom.

If you’re ever in doubt or confused about their services and how they work, you can easily check in with customer care. That way, you can get the most out of Finom’s services and features.

Sign me up! How can I start using Finom?

Finom’s services are super customisable for your needs — you can opt for a range of packages with different services for a monthly fee.

Budding and experienced freelancers alike can choose from a free (yes, free!) Solo plan with handy accounting integrations to a Start plan with 2% cashback for €14 per month. Plus, their €28 plan is ideal for SMEs — allowing up to five users access to the same account.

If you want a plan that can accommodate more people, you can check their Premium and Corporate subscriptions for even more services.


Finom’s primary focus is working with freelancers and small to medium-sized businesses, so you can be sure you’re making the most out of their services and getting help from the experts who are trained to help people exactly like you. 

Do you have experience with managing your finances as a freelancer? Tell us about your experience in the comments! 

Feature Image:Freepik
Katrien Nivera 🇵🇭
Katrien Nivera 🇵🇭
Third culture kid Katrien has been working as a writer and editor at DutchReview for over two years, originally moving to the Netherlands as a tween. Equipped with a Bachelor’s in communication and media and a Master’s in political communication, she’s here to stay for her passion for writing, whether it’s current Dutch affairs, the energy market, or universities. Just like the Dutch, Katrien lives by her agenda and enjoys the occasional frietje met mayo — she just wishes she could grow tall, too.

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