Finom vs Now Money.
Finom (F64/100) and Now Money (N60/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Finom leads Now Money 4-1.
| F Finom №45 · DNB 64 /100 | N Now Money №52 · CBUAE 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 60 /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 | E-money inst. CBUAE |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | Safeguarded AE.DPS |
| 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 | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.0 ★ iOS 4.0 · And 3.9 |
| 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 Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
- Best for fees Now Money won 1 of 4
- Best for protection Tied
- Best for reach Finom won 1 of 3
- Best for ux Finom won 2 of 2
Finom vs Now Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Now Money?
Under our v3 methodology, Finom leads Now Money 4–1 across 12 dimensions. Composite scores: Finom 64/100 vs Now Money 60/100. Finom is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Finom or Now Money cheaper?
Monthly fee — Finom: €0; Now Money: €0. Card FX markup — Finom: 0.70%; Now Money: Interbank. Now Money 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 Now Money?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Now Money holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Finom and Now Money?
Finom operates in 7 countries; Now Money 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.