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Updated October 17, 2026 · VaultCue Editorial Team

Bigbank FI vs Finom

Bigbank FI scores 8.0 and Finom 8.9 out of 10. Compare their differences and shared features below.
Bigbank FI

Bigbank FI

8.0/10
Visit
Finom

Finom

Higher score in this comparison

8.9/10
Visit

What sets them apart

Bigbank FI vs Finom
CompareBigbank FIBigbank FIReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate2.5%5%Higher
Deposit protectionUp to 100,000 EUR per customerEU DGS up to EUR 100,000
Access termsEi kuluja tai nostorajoituksiaInstant access, withdraw at any time with no withdrawal penalties
Account kindEasy accessCash management
Rate typeNot confirmedFixed
Minimum depositNot confirmed€0
Monthly feeNot confirmed€0

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Finom scores higher overall: 8.9 vs 8.0.
  • Headline rate is higher at Finom: 5% vs 2.5%.
  • Support channels: only Bigbank FI offers Phone.
  • Support channels: only Finom offers Chat, Community.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

Bigbank FI

Bigbank in Finland is a savings provider offering flexible accounts and fixed term deposits alongside vehicle financing. For people who want plain saving choices with online handling and helpful support, it gives a clear and steady place to save.

Read the full Bigbank FI review

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.

Read the full Finom review

Score breakdown

Bigbank FI vs Finom
AreaBigbank FIFinom
CostNot confirmed9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
OfferNot confirmed9.7A fixed rate of 5% with instant access, ranking 92 of 473 on rate.
TrustNot confirmed8.2

What it costs in practice

10,000 saved for 12 months

Bigbank FI

250

2.5% of 10,000

Finom

500

5% of 10,000

Finom comes out 250 higher in this example.

Excludes monthly fee (not stated by Bigbank FI). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.

Availability and regulation

Bigbank FI vs Finom
CountryBigbank FIFinom
CyprusNot confirmed
NetherlandsNot confirmed

Where they rank in our lists

Bigbank FI vs Finom
RankingBigbank FIFinom
Savings accounts38 of 14201 of 1420
Fixed-rate bonds and CDs6 of 1881 of 188

Every fact side by side

Bigbank FI vs Finom
FactBigbank FIFinom
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
Legal entityBigbank ASPNL Fintech B.V.
HeadquartersNot confirmedNetherlands
FoundedNot confirmed2019
Support channelsPhone, Email, Help centreEmail, Chat, Help centre, Community

Everyday accounts

Bigbank FI vs Finom
FactBigbank FIFinom
Currency conversion feeNot confirmed1%
CurrenciesNot confirmed17
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedFree ATM
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€10,000
Transfer feeNot confirmedFree 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

Bigbank FI vs Finom
FactBigbank FIFinomMedian
Headline rate2.5%below the median5%above the median3.25%
Minimum depositNot confirmed€0below the median€1
Monthly feeNot confirmed€0at the median€0

Median across 658 listed accounts.

Pros and cons

Bigbank FI

Pros

  • Savings account alongside fixed term deposits for different goals
  • Fixed term option with a steady return through market changes
  • Flexible saving shaped for everyday deposits and withdrawals

Cons

  • Focused range built around saving and instalment financing
  • Fixed term saving asks you to stay for the agreed period
  • Online account handling with no branch service mentioned

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

Bigbank FI

Who it suits

  • People starting a simple savings habit
  • Small businesses putting funds aside
  • Planners considering vehicle financing too

Who should look elsewhere

  • People wanting a wide investment or daily banking range

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

Bigbank FI vs Finom
CountryBigbank FIFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

8 of 11 countries where either is available.

Questions about each

Bigbank FI

What products does Bigbank offer in Finland?+

Bigbank in Finland centres on saving solutions with a savings account and fixed term deposits. It also provides vehicle financing and product financing. You can pick flexible saving or a fixed term for longer plans.

How do you manage your account online?+

You handle your saving through online banking. The service lets you look after deposits and agreements without visiting a branch. Guidance and security advice are provided to help you use it with confidence.

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.

Other options to compare

Other matchups

Bigbank FI

Visit

Finom

Visit