Comparison
Finom vs Pleo
A side-by-side look at Finom and Pleo — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Finom
The financial platform for European entrepreneurs.
Finom is a European fintech offering business accounts, cards, invoicing and accounting integrations for freelancers and SMEs.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
Side-by-side
| Spec | Finom | Pleo |
|---|---|---|
| Tagline | The financial platform for European entrepreneurs. | Smart company cards for European teams. |
| Headquarters | Amsterdam, Netherlands | Copenhagen, Denmark |
| Founded | 2019 | 2015 |
| Regions | EU | EU, UK |
| Card type | Mastercard debit | Prepaid + credit (market dependent) |
| Pricing | From €0 Solo to €69/mo Corporate. | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. |
| Rewards | Cashback on premium plans. | 1% cashback on Advanced+ in select markets. |
| Best for | Freelancers, Micro-businesses, EU SMEs | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU |
| Integrations | Xero, Datev, QuickBooks | Xero, QuickBooks, Sage, Datev, Economic, Visma |
Finom: pros & cons
- Affordable
- Strong invoicing
- No credit
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence