Updated September 28, 2026 · VaultCue Editorial Team
AU Small Finance Bank vs Finom
AU Small Finance Bank
Higher score in this comparison
Finom
AU Small Finance Bank vs Finom: the differences
| Compare | AU Small Finance BankReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 6.75%Higher | 5% |
| Rate type | Variable | Fixed |
| Minimum deposit | ₹0 | €0 |
| Access terms | Zero balance account, monthly interest payouts, unlimited online payments (RTGS, NEFT, UPI, intra-bank transfer), RUPAY Platinum debit card, AU 0101 app and doorstep service | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Easy access | Cash management |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Monthly fee | Not confirmed | €0 |
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Key differences
- AU Small Finance Bank scores higher overall: 9.4 vs 8.9.
- Founded is lower at AU Small Finance Bank: 1996 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Headline rate is higher at AU Small Finance Bank: 6.75% vs 5%.
- Support channels: only AU Small Finance Bank offers Phone.
- Support channels: only Finom offers Email, Chat, Community.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank pays 6.75% on an easy access account that opens with a minimum deposit of INR 0, so it suits Indian savers who want monthly interest and a card rather than a fixed term. The bank is supervised by the Reserve Bank of India.
Finom
Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.
Score breakdown
| Area | AU Small Finance Bank | Finom |
|---|---|---|
| Cost | 9.5Higher | 9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%. |
| Offer | 9.1 | 9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate. |
| Trust | 9.4Higher | 8.2 |
Pick AU Small Finance Bank if, pick Finom if
Pick AU Small Finance Bank if headline rate matter most.
Pick Finom if offer matter most.
Availability and regulation
| Country | AU Small Finance Bank | Finom |
|---|---|---|
| Cyprus | Not confirmed | |
| India | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Additional countries for AU Small Finance Bank: 1. Additional countries for Finom: 11.
The bill, worked out
10,000 saved for 12 months
AU Small Finance Bank
675
6.75% of 10,000
Finom
500
5% of 10,000
AU Small Finance Bank comes out 175 higher in this example.
Excludes monthly fee (not stated by AU Small Finance Bank). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
EstateGuru has headline rate at 7%, against 6.75% for AU Small Finance Bank and 5% for Finom.
EstateGuru reviewWhere these facts come from
AU Small Finance Bank
- au.bank.in: 9 facts, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | Finom |
|---|---|---|
| Savings accounts | 15 of 1420 | 1 of 1420 |
Every fact side by side
| Fact | AU Small Finance Bank | Finom |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Fixed rate |
| Legal entity | AU Small Finance Bank | PNL Fintech B.V. |
| Headquarters | India | Netherlands |
| Founded | 1996Lower | 2019 |
| Support channels | Phone, Help centre | Email, Chat, Help centre, Community |
Everyday accounts
| Fact | AU Small Finance Bank | Finom |
|---|---|---|
| Currency conversion fee | Not confirmed | 1% |
| Currencies | Not confirmed | 17 |
| Audience | Not confirmed | Business, Freelancer |
| Features | Not confirmed | Free ATM |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €10,000 |
| Transfer fee | Not confirmed | Free outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro) |
Where each stands against the rest
| Fact | AU Small Finance Bank | Finom | Median |
|---|---|---|---|
| Headline rate | 6.75%highest quarter | 5%above the median | 3.25% |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
AU Small Finance Bank
Pros
- The median headline rate in the savings ranking is 3.08%, and 6.75% beats it.
- INR 0 minimum deposit, ranked 1 of 370 for minimum deposit.
- A bank licence supervised by the Reserve Bank of India, with a RuPay Platinum debit card and unlimited RTGS, NEFT and UPI payments included.
Cons
- variable interest means 6.75% can move with the bank's pricing, so the opening rate is not a fixed promise.
- Help runs on phone and help centre alone, with no listed chat or email channel alongside them.
- It ranks 63 of 473 on headline rate, so 21.59% and 24.19% pay more on the same comparison.
Finom
Pros
- The minimum deposit is €0, so an account can be opened without a large opening balance.
- The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
- Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.
Cons
- The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
- The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
- Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.
Who each suits
AU Small Finance Bank
Who it suits
- Indian savers who want to add to the balance and draw from it without a term or notice period, given the easy access design.
- First-time savers, since the minimum deposit is INR 0 and the account ranks 1 of 370 for that measure.
- People who want a bank licence and a card in one place rather than a standalone payments wallet.
Who should look elsewhere
- Readers chasing the largest headline number here: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Anyone wanting savings held in a payments wallet instead: PayPal Colombia is the one to compare, at 3.3%.
Finom
Who it suits
- Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
- Small businesses paid in euros by clients abroad who want several currencies in one place.
- Readers who want a set rate on working money rather than the highest variable rate on the table.
Who should look elsewhere
- Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
- Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | Finom |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Cyprus | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Ireland | No | Yes |
| Italy | No | Yes |
8 of 12 countries where either is available.
Questions about each
AU Small Finance Bank
What rate does AU Small Finance Bank pay on this account?+
The digital savings account pays 6.75%, credited as monthly interest payouts rather than at maturity. The rate type is variable, so the bank can revise it over time, and the account kind is easy access. Opening and managing it runs through the AU app.
Do I need to deposit anything to open it?+
No. The minimum deposit is INR 0, and the account ranks 1 of 370 on that measure. For context, the median minimum deposit across savings accounts in the ranking sits at €0.17, so a low entry point is the norm here.
Finom
What does it cost to keep a Finom account?+
The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.
Is my money protected if something goes wrong?+
Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.
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