Lili vs Finom.
Lili (L73/100) 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. Lili leads Finom 5-1.
| F Finom №45 · DNB 64 /100 | L Lili №26 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 73 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. DNB | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 8k reviews | 4.7 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
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.
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
- Best for fees Lili won 1 of 4
- Best for protection Lili won 1 of 2
- Best for reach Finom won 1 of 3
- Best for ux Lili won 2 of 2
Lili vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Lili?
Under our v3 methodology, Lili leads Finom 5–1 across 12 dimensions. Composite scores: Finom 64/100 vs Lili 73/100. Lili is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Finom or Lili cheaper?
Monthly fee — Finom: €0; Lili: €0. Card FX markup — Finom: 0.70%; Lili: Interbank. Lili 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, Finom or Lili?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Lili is the stronger pick on regulatory protection.
Where can I use Finom and Lili?
Finom operates in 7 countries; Lili operates in 1 country. 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.