Found vs Finom.
Found (F69/100) 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.
| F Finom №45 · DNB 64 /100 | F Found №39 · FDIC 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | 1.00% |
| 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 | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.8 · And 4.6 |
| 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 Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
- Best for fees Finom won 1 of 4
- Best for protection Found won 1 of 2
- Best for reach Finom won 1 of 3
- Best for ux Tied
Found vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Found?
Finom and Found are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Finom 64/100 vs Found 69/100. The right pick depends on which dimension you weight most heavily.
Is Finom or Found cheaper?
Monthly fee — Finom: €0; Found: €0. Card FX markup — Finom: 0.70%; Found: 1.00%. 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, Finom or Found?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Found is the stronger pick on regulatory protection.
Where can I use Finom and Found?
Finom operates in 7 countries; Found 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.