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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Insignis Cash

Finom scores 8.9 and Insignis Cash 9.0 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Insignis Cash

Insignis Cash

Higher score in this comparison

9.0/10
See alternatives

Finom vs Insignis Cash: the differences

Finom vs Insignis Cash
CompareFinomFinomReviewVisitVisitInsignis CashInsignis CashReviewSee alternativesSee alternatives
Headline rate5%Higher4.4% to 4.61%
Rate typeFixedVariable
Minimum deposit€0£0
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsInstant access, withdraw at any time with no withdrawal penaltiesEasy access, notice and fixed-term deposits up to 5 years
TermNot confirmed6 to 60 months
Monthly fee€0Not confirmed

Same on both: Account kind (Cash management).

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

  • Insignis Cash scores higher overall: 9.0 vs 8.9.
  • Founded is lower at Insignis Cash: 2017 vs 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Headline rate is higher at Finom: 5% vs 4.4% to 4.61%.
  • Support channels: only Finom offers Chat, Community.
  • Support channels: only Insignis Cash offers Phone.
  • Pricing model: only Finom offers No monthly fee.

Our verdict on each

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

Insignis Cash

Insignis Cash suits UK savers who want a cash management account with a low entry point and FSCS cover, and not those chasing a locked rate. The headline rate of 4.4% to 4.61% is the number that decides it, and the variable rate type decides how long it lasts.

Read the full Insignis Cash review

Score breakdown

Finom vs Insignis Cash
AreaFinomInsignis Cash
Cost9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.9.5HigherHeadline rate of 4.4% to 4.61% on a £0 minimum deposit, with terms of 6 to 60 and a variable rate.
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.3
Trust8.28.3Higher

Where each is licensed and available

Finom vs Insignis Cash
CountryFinomInsignis Cash
CyprusNot confirmed
NetherlandsNot confirmed
United KingdomNot confirmed

Additional countries for Finom: 11. Additional countries for Insignis Cash: 1.

What it costs in practice

10,000 saved for 12 months

Finom

500

5% of 10,000

Insignis Cash

440 to 461

4.4% to 4.61% of 10,000

Finom comes out 39 higher in this example.

Excludes monthly fee (not stated by Insignis Cash). 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

AU Small Finance Bank has headline rate at 6.75%, against 5% for Finom and 4.4% to 4.61% for Insignis Cash.

AU Small Finance Bank review

Sources behind this comparison

Finom

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

Insignis Cash

  • insigniscash.com: 12 facts, checked September 26, 2026

How they place

Finom vs Insignis Cash
RankingFinomInsignis Cash
Savings accounts1 of 1420338 of 1420
Cash management accounts2 of 4513 of 45

Every fact side by side

Finom vs Insignis Cash
FactFinomInsignis Cash
Pricing modelNo monthly fee, Fixed rateCovers moreFixed rate
Legal entityPNL Fintech B.V.Insignis Asset Management Limited
HeadquartersNetherlandsUnited Kingdom
Founded20192017Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Phone, Help centre

Everyday accounts

Finom vs Insignis Cash
FactFinomInsignis Cash
Currency conversion fee1%Not confirmed
Currencies17Not confirmed
AudienceBusiness, FreelancerNot confirmed
FeaturesFree ATMNot confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€10,000Not confirmed
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)Not confirmed

Where each stands against the rest

Finom vs Insignis Cash
FactFinomInsignis CashMedian
Headline rate5%above the median4.4% to 4.61%above the median3.25%
TermNot confirmed6 to 60 monthshighest quarter24
Monthly fee€0at the medianNot confirmed€0

Median across 658 listed accounts.

Pros and cons

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.

Insignis Cash

Pros

  • The minimum deposit is £0, so there is no floor to clear before you can start.
  • The headline rate of 4.4% to 4.61% sits above the 3.3% listed at PayPal Colombia.
  • Deposits are covered by the FSCS scheme, listed as FSCS up to GBP 85,000.

Cons

  • The rate type is variable while the listed model is fixed rate, so treat 4.4% to 4.61% as a figure that can move rather than a return locked across 6 to 60.
  • Choosing a notice or fixed-term deposit ties that money up for 6 to 60 instead of leaving it on easy access terms.
  • The account is grouped as cash management, which suits holding cash but sits on a different shelf from the easy-access savings accounts most rate comparisons come from.

Who each suits

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%.

Insignis Cash

Who it suits

  • UK savers who put cover first, since deposit protection is listed as FSCS up to GBP 85,000.
  • People who need easy access for one pot and a longer lock of 6 to 60 for another, from the same provider.
  • Readers who want a named UK company behind the money: Insignis Asset Management Limited, founded in 2017.

Who should look elsewhere

  • Not for the highest headline figure on the site: Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%, well above the 4.4% to 4.61% here.
  • Not for savers who will settle for a lower number: PayPal Colombia lists 3.3% against 4.4% to 4.61% at Insignis Cash, so you trade some yield for the wider set of deposit terms.

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

Finom vs Insignis Cash
CountryFinomInsignis Cash
AustriaYesNo
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo

8 of 12 countries where either is available.

Questions about each

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.

Insignis Cash

What is the minimum deposit, and can I start small?+

The minimum deposit is £0, so there is no floor to clear before you start. Deposits come as easy access, notice and fixed-term options, and fixed terms run 6 to 60. On minimum deposit the account ranks 1 of 370 brands on the site.

Is my money protected?+

Money is covered by the FSCS scheme, listed as FSCS up to GBP 85,000, so the protection comes with a cap you can read. The provider operates under the Financial Conduct Authority's Payment Services Regulations permission, recorded as 813442 for the UK. Hold on to the cap and the licence, since they answer different questions about the same balance.

Other options to compare

Other matchups

Finom

Visit

Insignis Cash

See alternatives