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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs KDI Save

Finom scores 8.9 and KDI Save 9.0 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
KDI Save

KDI Save

Higher score in this comparison

9.0/10
See alternatives

Finom vs KDI Save: the differences

Finom vs KDI Save
CompareFinomFinomReviewVisitVisitKDI SaveKDI SaveReviewSee alternativesSee alternatives
Headline rate5%Higher2.88% to 3.88%
Minimum deposit€0MYR 100
Access termsInstant access, withdraw at any time with no withdrawal penaltiesNo lock-in, withdraw anytime without charges, credited in 1-2 working days, daily returns
Monthly fee€0MYR 0
Deposit protectionEU DGS up to EUR 100,000Not confirmed

Same on both: Rate type (Fixed), 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

  • KDI Save scores higher overall: 9.0 vs 8.9.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Headline rate is higher at Finom: 5% vs 2.88% to 3.88%.
  • Support channels: only Finom offers Chat.
  • Support channels: only KDI Save offers Phone.

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

KDI Save

KDI Save suits savers in Malaysia who want a cash management balance that pays a fixed return with no lock-in. Its overall score of 3.9 reflects a straightforward account from Kenanga Investment Bank Berhad, with support over email, phone and help centre and a MYR 100 opening deposit.

Read the full KDI Save review

Score breakdown

Finom vs KDI Save
AreaFinomKDI Save
Cost9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.8.8Cost stays low: the monthly fee is MYR 0 and the account pays a fixed rate of 2.88% to 3.88%.
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.3
Trust8.2Not confirmed

How they place

Finom vs KDI Save
RankingFinomKDI Save
Savings accounts1 of 1420341 of 1420
Cash management accounts2 of 4514 of 45
Fixed-rate bonds and CDs1 of 18870 of 188

Where each is licensed and available

Finom vs KDI Save
CountryFinomKDI Save
CyprusNot confirmed
MalaysiaNot confirmed
NetherlandsNot confirmed

Additional countries for Finom: 11. Additional countries for KDI Save: 1.

If neither fits

AU Small Finance Bank has headline rate at 6.75%, against 5% for Finom and 2.88% to 3.88% for KDI Save.

AU Small Finance Bank review

Where these facts come from

Finom

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

KDI Save

  • digitalinvesting.com.my: 10 facts, checked September 26, 2026

Every fact side by side

Finom vs KDI Save
FactFinomKDI Save
Pricing modelNo monthly fee, Fixed rateNo monthly fee, Fixed rate
Legal entityPNL Fintech B.V.Kenanga Investment Bank Berhad
HeadquartersNetherlandsMalaysia
Founded2019Not confirmed
Support channelsEmail, Chat, Help centre, CommunityEmail, Phone, Help centre, Community

Everyday accounts

Finom vs KDI Save
FactFinomKDI Save
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 KDI Save
FactFinomKDI SaveMedian
Headline rate5%above the median2.88% to 3.88%above the median3.25%

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.

KDI Save

Pros

  • No lock-in, so you can withdraw at any time without charges, with returns credited daily
  • A MYR 100 minimum deposit keeps the entry point modest
  • Licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007 and run by Kenanga Investment Bank Berhad

Cons

  • The MYR 100 opening deposit sits well above the €0.17 minimum across savings accounts
  • The fixed rate holds the return in place rather than following the variable rates common among cash management accounts

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%.

KDI Save

Who it suits

  • Savers in Malaysia who want a fixed return on cash they can reach at any time
  • People who can start with a MYR 100 opening deposit and let the balance earn daily
  • Customers who want support over email, phone and help centre and a named bank behind the balance

Who should look elsewhere

  • AXI Card Tarjeta y Credito, listed at 21.59%, for readers shopping purely on the top rate
  • PayPal Colombia at 3.3%, for anyone who wants a higher headline return than the 2.88% to 3.88% range here
  • Plazo ES at 24.19%, for readers who want the highest headline rate on the list rather than a bank cash-management balance

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

KDI Save

Current offer

  • Bonus

    KDI Save promotional interest rate tiers effective 16 June 2026: 3.88% p.a. (Tier 1), 3.38% p.a. (Tier 2), base 2.88% p.a.

    Requires maintaining minimum KDI Invest balance of RM5,000 (Tier 1) or RM50,000 (Tier 2); otherwise base tier 2.88% p.a. applies

    Source, checked September 26, 2026

Country by country

Finom vs KDI Save
CountryFinomKDI Save
AustriaYesNo
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
MalaysiaNoYes

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.

KDI Save

Does KDI Save charge a monthly fee?+

The monthly fee is MYR 0, and the account is sold on a no monthly fee model, so there is nothing to pay each month for keeping the balance open. Nothing in the access terms adds a charge for taking the money out either.

Who regulates KDI Save?+

The account is licensed by the Securities Commission of Malaysia under eCMSL/A0008/2007, and it is operated by Kenanga Investment Bank Berhad, a Malaysian bank. Keep the licence reference handy for your own records when you open the account.

Other options to compare

Other matchups

Finom

Visit

KDI Save

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