C6 Bank vs Finom.
C6 Bank (C71/100) and Finom (F64/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| C C6 Bank №30 · BACEN 71 /100 | F Finom №45 · DNB 64 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 64 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | 0.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. DNB |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 7 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | 4.5 ★ 8k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
Pick Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
- Best for fees Finom won 1 of 4
- Best for protection C6 Bank won 2 of 2
- Best for reach Tied
- Best for ux Finom won 2 of 2
C6 Bank vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Finom?
C6 Bank and Finom are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: C6 Bank 71/100 vs Finom 64/100. The right pick depends on which dimension you weight most heavily.
Is C6 Bank or Finom cheaper?
Monthly fee — C6 Bank: €0; Finom: €0. Card FX markup — C6 Bank: 4.00%; Finom: 0.70%. Finom wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, C6 Bank or Finom?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Finom?
C6 Bank operates in 1 country; Finom operates in 7 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
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