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Updated September 29, 2026 · VaultCue Editorial Team

EstateGuru vs Finom

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

EstateGuru

8.8/10
Visit
Finom

Finom

Higher score in this comparison

8.9/10
Visit

What sets them apart

EstateGuru vs Finom
CompareEstateGuruEstateGuruReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate7%Higher5%
Minimum deposit€100€0Lower
Access termsKYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repaymentInstant access, withdraw at any time with no withdrawal penalties
Account kindFixedCash management
Monthly feeNot confirmed€0

Same on both: Rate type (Fixed), Deposit protection (EU DGS up to EUR 100,000).

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 EstateGuru: 2013 to 2014 vs 2019.
  • EstateGuru is licensed in 1 more country.
  • Minimum deposit is lower at Finom: €0 vs €100.
  • Headline rate is higher at EstateGuru: 7% vs 5%.
  • Support channels: only EstateGuru offers Phone.
  • Support channels: only Finom offers Community.
  • Pricing model: only Finom offers No monthly fee.

Our verdict on each

EstateGuru

EstateGuru lends investors a share of property loans, so returns depend on borrowers repaying rather than on deposit interest alone. It suits savers who can leave money in fixed loans to the end, with a 7% headline above the 6% fixed-rate bond median.

Read the full EstateGuru 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

EstateGuru vs Finom
AreaEstateGuruFinom
Cost8.39.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer9.8HigherOffer scores 9 on the fixed rate fixed book, above the 3.08% savings median.9.7A fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust8.6Higher8.2

Choosing between them

Pick EstateGuru if trust and headline rate matter most.

Pick Finom if cost and minimum deposit matter most.

How they place

EstateGuru vs Finom
RankingEstateGuruFinom
Savings accounts30 of 14201 of 1420
Fixed-rate bonds and CDs3 of 1881 of 188

Every fact side by side

EstateGuru vs Finom
FactEstateGuruFinom
Pricing modelFixed rateNo monthly fee, Fixed rateCovers more
Legal entityEstateguru OUPNL Fintech B.V.
HeadquartersEstoniaNetherlands
Founded2013 to 2014Lower2019
Support channelsEmail, Chat, Phone, Help centreEmail, Chat, Help centre, Community

Everyday accounts

EstateGuru vs Finom
FactEstateGuruFinom
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

EstateGuru vs Finom
FactEstateGuruFinomMedian
Headline rate7%highest quarter5%above the median3.25%
Minimum deposit€100above the median€0below the median€1
Monthly feeNot confirmed€0at the median€0

Median across 658 listed accounts.

Pros and cons

EstateGuru

Pros

  • Deposit protection is EU DGS up to EUR 100,000.
  • Support runs on email, chat and phone.
  • Estateguru OU is an Estonian provider, founded 2,013 to 2,014.

Cons

  • Portfolio loans cannot be sold on the secondary market until the borrower has repaid, so a fixed holding stays put while the book runs.
  • A completed account is needed before funding a fixed rate book, and interest arrives monthly rather than as a payout at maturity.
  • The €100 minimum ranks 306 of 370 on minimum deposit, so entry is not among the smallest on the site.

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

EstateGuru

Who it suits

  • Investors with a completed Estateguru account who want exposure to property loans rather than bank deposits.
  • Savers able to commit €100 or more and leave it working while loans are repaid.
  • People who prefer a fixed return credited monthly over a variable savings rate.

Who should look elsewhere

  • Plazo ES, if you would rather borrow than fund loans, at a 24.19% rate on a card product.
  • PayPal Colombia, if a 3.3% digital wallet balance suits your cash better than a fixed rate loan book.
  • AXI Card Tarjeta y Credito, whose 21.59% rate is for card and credit rather than for money locked into property loans.

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

EstateGuru vs Finom
CountryEstateGuruFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

8 of 11 countries where either is available.

Questions about each

EstateGuru

What rate does EstateGuru pay?+

The headline rate is 7% and it is fixed, so the return is set when the loan book is funded. Interest is credited monthly to your account rather than held to the end. The fixed rate book sits above the 3.08% savings median and the 6% bond median.

Is my money protected if something goes wrong?+

Deposit protection is EU DGS up to EUR 100,000, the EU deposit guarantee scheme. Estateguru OU is registered and supervised in Estonia by Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) under 4.1-1/48. Because you fund loans rather than hold a deposit, check how the scheme treats the loans you buy.

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

EstateGuru

Visit

Finom

Visit