Updated October 17, 2026 · VaultCue Editorial Team
Finom FR vs Revolut AU
Finom FR
Higher score in this comparison
Revolut AU
Where Finom FR and Revolut AU differ
| Compare | Finom FRReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0.5% | 0% to 1%Lower |
| Currencies | 17 | 30Higher |
| Transfer fee | Fixed fee of 5 EUR to send or receive funds | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
Same on both: Local account details (IBAN).
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Key differences
- Finom FR scores higher overall: 9.2 vs 9.1.
- Currency conversion fee is lower at Revolut AU: 0% to 1% vs 0.5%.
- Currencies is higher at Revolut AU: 30 vs 17.
- Audience: only Finom FR offers Business.
- Audience: only Revolut AU offers Travelers, Teen.
Our verdict on each
Finom FR
Finom is an online business payment solution known for gathering transfers, invoicing and bookkeeping in one place for freelancers and small firms. It suits independents wanting a French IBAN with mobile management, employee cards and accounting connections that keep receipts, invoices and expenses organised.
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Score breakdown
| Area | Finom FR | Revolut AU |
|---|---|---|
| Cost | 9.2 | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.3 | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | Not confirmed | 8.6 |
Spending 1,000 abroad
Finom FR
5
0.5% of 1,000
Revolut AU
0 to 10
0% to 1% of 1,000
Revolut AU comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
How they place
| Ranking | Finom FR | Revolut AU |
|---|---|---|
| Business bank accounts | 13 of 563 | 22 of 563 |
| Accounts for freelancers | 6 of 130 | 11 of 130 |
Where each is licensed and available
| Country | Finom FR | Revolut AU |
|---|---|---|
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed | Financial Conduct Authority 933846 |
What we checked
Finom FR
- finom.fr: 6 facts, checked October 17, 2026
Revolut AU
- revolut.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Finom FR | Revolut AU |
|---|---|---|
| Audience | Freelancer, Business | Travelers, Freelancer, Teen |
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | Not confirmed | Revolut Payments UAB |
| Headquarters | Not confirmed | Lithuania |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Chat, Help centre, Phone |
Savings
| Fact | Finom FR | Revolut AU |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | £0 |
| Access terms | Not confirmed | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | Finom FR | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Finom FR | Revolut AU | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%at the median | 0% to 1%below the median | 0.5% |
| Currencies | 17highest quarter | 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Finom FR
Pros
- French IBAN with fully online opening for freelancers
- Invoicing with payment links and smart late reminders
- Employee cards and receipt capture for team spending
Cons
- Business only range without personal everyday accounts
- French IBAN structure centred on one home market
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
Who each suits
Finom FR
Who it suits
- Freelancers organising invoices, receipts and taxes together
- Small firms wanting team cards and expense control
- Independents needing a French IBAN and mobile management
Who should look elsewhere
- People seeking a personal current account
- Cash branch visitors wanting in person service
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
Country by country
| Country | Finom FR | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 39 countries where either is available.
Questions about each
Finom FR
Who can open a Finom account?+
Finom serves freelancers and small and medium enterprises seeking online business finance management. It brings transfers, accounting and invoicing together in one place for daily use. Independent workers use it to organise business money separately from personal spending.
What business products does Finom cover?+
Finom covers online business accounts with a French IBAN for small companies and independents. It includes transfers, invoicing and expense organisation within the same service. Employee cards can be issued, funded or capped while receipts move directly into the records.
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
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