Finom vs Liv..
Finom (F64/100) and Liv. (L59/100), 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 Liv. 5-0.
| F Finom №45 · DNB 64 /100 | L Liv. №53 · CBUAE 59 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 59 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | 1.50% |
| 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 | 4.3 ★ iOS 4.4 · And 4.2 |
| 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 Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
- Best for fees Finom 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 Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Liv.?
Under our v3 methodology, Finom leads Liv. 5–0 across 12 dimensions. Composite scores: Finom 64/100 vs Liv. 59/100. 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 Liv. cheaper?
Monthly fee — Finom: €0; Liv.: €0. Card FX markup — Finom: 0.70%; Liv.: 1.50%. 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 Liv.?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Liv. 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 Liv.?
Finom operates in 7 countries; Liv. 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.