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Updated September 28, 2026 · VaultCue Editorial Team

Bit2Me vs Finom

Bit2Me scores 8.8 and Finom 8.9 out of 10. Compare their differences and shared features below.
Finom

Finom

Higher score in this comparison

8.9/10
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Bit2Me

Bit2Me

8.8/10
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Bit2Me vs Finom: the differences

Bit2Me vs Finom
CompareBit2MeBit2MeReviewSee alternativesSee alternativesFinomFinomReviewVisitVisit
Headline rate0.5% to 19.2%Higher5%
Rate typeVariableFixed
Access termsFlexible: add or withdraw Earn balances anytime for most cryptoassets; the B2M Farming Pool requires a 12-month lock; rewards compound automaticallyInstant access, withdraw at any time with no withdrawal penalties
Account kindEasy accessCash management
Minimum depositNot confirmed€0

Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€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 8.8.
  • Founded is lower at Bit2Me: 2014 vs 2019.
  • Finom is licensed in 1 more country.
  • Bit2Me is available in 18 more countries.
  • Headline rate is higher at Bit2Me: 0.5% to 19.2% vs 5%.
  • Support channels: only Bit2Me offers Phone.
  • Support channels: only Finom offers Email, Chat.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

Bit2Me

Bit2Me suits crypto holders who want a high earn rate without a monthly charge, and who can live with a variable return plus a pool option that locks funds. The Earn account carries a monthly fee of €0, and balances sit under EU DGS up to EUR 100,000.

Read the full Bit2Me 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

Bit2Me vs Finom
AreaBit2MeFinom
Cost9.1A monthly fee of €0 on Earn and Free between Bit2Me users via Bit2Me Pay between users, though converting currency costs 0.95%.9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer8.79.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust8.5Higher8.2

Availability and regulation

Bit2Me vs Finom
CountryBit2MeFinom
CyprusNot confirmed
NetherlandsNot confirmed
Spain
CNMV (Comision Nacional del Mercado de Valores) Authorisation resolution of 28 July 2025
Not confirmed

Available in 11 countries for both. Additional countries for Bit2Me: 18.

What we checked

Bit2Me

  • bit2me.com: 7 facts, checked September 26, 2026
  • esma.europa.eu: 2 facts, checked September 26, 2026
  • coingecko.com: 1 fact, checked September 26, 2026
  • legal.bit2me.com: 1 fact, checked September 26, 2026

Finom

  • finom.co: 12 facts, checked September 26, 2026

How they place

Bit2Me vs Finom
RankingBit2MeFinom
Savings accounts457 of 14201 of 1420

Every fact side by side

Bit2Me vs Finom
FactBit2MeFinom
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
Legal entityBitcoinforme S.L.PNL Fintech B.V.
HeadquartersSpainNetherlands
Founded2014Lower2019
Support channelsPhone, Help centre, CommunityEmail, Chat, Help centre, Community

Everyday accounts

Bit2Me vs Finom
FactBit2MeFinom
Currency conversion fee0.95%Lower1%
Currencies300Higher17
AudienceNot confirmedBusiness, Freelancer
FeaturesDigital onlyFree ATM
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€10,000
Transfer feeFree between Bit2Me users via Bit2Me PayFree 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

Bit2Me vs Finom
FactBit2MeFinomMedian
Headline rate0.5% to 19.2%highest quarter5%above the median3.25
Minimum depositNot confirmed€0below the median€1
Monthly fee€0at the median€0at the median€0

Median across 658 listed accounts.

Pros and cons

Bit2Me

Pros

  • A monthly fee of €0 means the Earn account costs nothing to keep open month to month.
  • Rewards run 0.5% to 19.2%, above the 24.19% listed by Plazo ES and the 21.59% listed by AXI Card Tarjeta y Credito.
  • Balances sit under EU DGS up to EUR 100,000, and the firm is listed with Banco de Espana under 6947.

Cons

  • The rate is variable, so the return can drop and there is no fixed figure to plan around.
  • The Farming Pool locks deposits for a set period, which suits only money that can stay untouched.
  • Service is digital only, so everything runs through the app and the site with no branch counter.

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

Bit2Me

Who it suits

  • Crypto holders in the EU who want a high earn rate with nothing taken monthly, and who are comfortable with a variable return.
  • People who pass money between Bit2Me users, since that transfer is Free between Bit2Me users via Bit2Me Pay.
  • Savers who value the protection of EU DGS up to EUR 100,000 and hold most of their balance in crypto.

Who should look elsewhere

  • Anyone chasing a fixed rate: Plazo ES lists 24.19%, while the Bit2Me rate is variable and can move.
  • People after a card relationship rather than a crypto earn balance: AXI Card Tarjeta y Credito lists 21.59%, and Bit2Me is digital only.
  • Those wanting a simple single market balance: PayPal Colombia lists 3.3%, while Bit2Me spans 300 assets.

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

Bit2Me

Current offer

  • Bonus

    Open your account now and receive 15€: 15 EUR

    Register on the platform via the campaign link up.bit2me.com/bannerhome15

    Source, checked September 26, 2026

  • Bonus

    Space Center: up to +23.1% extra APY on Earn: Up to +23.1% APY

    Boost applies automatically at the current Space Center level (7 levels, 6% to 23% shown)

    Source, checked September 26, 2026

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

Bit2Me vs Finom
CountryBit2MeFinom
ArgentinaYesNo
BrazilYesNo
BulgariaYesNo
CroatiaYesNo
CzechiaYesNo
DenmarkYesNo
EstoniaYesNo
FinlandYesNo

8 of 29 countries where either is available.

Questions about each

Bit2Me

What does Bit2Me Earn cost to hold?+

The Earn account has a monthly fee of €0, so nothing is taken out each month while the balance sits there. Converting currency is the main charge, at 0.95%. Moving balance to another Bit2Me user is also free, Free between Bit2Me users via Bit2Me Pay.

What rate will I earn and can it change?+

The listed range runs 0.5% to 19.2%, and the rate type is variable, so the return can move rather than staying fixed for a term. The figure you get depends on the asset held and on market conditions at the time.

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

Finom

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Bit2Me

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