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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Salt Bank

Finom scores 8.9 and Salt Bank 9.5 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Salt Bank

Salt Bank

Higher score in this comparison

9.5/10
See alternatives

Finom vs Salt Bank: the differences

Finom vs Salt Bank
CompareFinomFinomReviewVisitVisitSalt BankSalt BankReviewSee alternativesSee alternatives
Headline rate5%5.3% to 5.9%Higher
Minimum deposit€0RON 500
Access termsInstant access, withdraw at any time with no withdrawal penalties3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB
Monthly fee€0RON 0
Account kindCash managementFixed
TermNot confirmed3 to 12 months

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

  • Salt Bank scores higher overall: 9.5 vs 8.9.
  • Finom is licensed in 1 more country.
  • Finom is available in 1 more country.
  • Headline rate is higher at Salt Bank: 5.3% to 5.9% vs 5%.
  • Support channels: only Finom offers Community.
  • Support channels: only Salt Bank offers Phone.
  • Pricing model: only Finom offers Fixed rate.
  • Pricing model: only Salt Bank offers Low FX.

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

Salt Bank

Salt Bank is built for expats and travellers who bank across Romania and further afield: 19 currencies sit on the same account, local receiving details are iban, and Banca Nationala a Romaniei supervises the bank, with a savings option alongside that pays out at maturity. It scores 7.7 in the comparison.

Read the full Salt Bank review

Score breakdown

Finom vs Salt Bank
AreaFinomSalt Bank
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%.9.4HigherMonthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania.
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.5A fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000.
Trust8.2Not confirmed

Licences and countries

Finom vs Salt Bank
CountryFinomSalt Bank
CyprusNot confirmed
NetherlandsNot confirmed
RomaniaNot confirmed

Available in 9 countries for both. Additional countries for Finom: 2. Additional countries for Salt Bank: 1.

How they place

Finom vs Salt Bank
RankingFinomSalt Bank
Savings accounts1 of 142073 of 1420
Multi-currency accounts2 of 34824 of 348
Fixed-rate bonds and CDs1 of 18814 of 188

Every fact side by side

Finom vs Salt Bank
FactFinomSalt Bank
Pricing modelNo monthly fee, Fixed rateNo monthly fee, Low FX
Legal entityPNL Fintech B.V.Salt Bank S.A.
HeadquartersNetherlandsRomania
Founded2019Not confirmed
Support channelsEmail, Chat, Help centre, CommunityEmail, Chat, Phone, Help centre

Everyday accounts

Finom vs Salt Bank
FactFinomSalt Bank
Currency conversion fee1%0%Lower
Currencies1719Higher
AudienceBusiness, FreelancerExpats, Travelers
FeaturesFree ATMFree ATM, Digital onlyCovers more
Local account detailsIBANIBAN
Free ATM withdrawals€10,000RON 900
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)0 commission for incoming and outgoing payments in Romania

Where each stands against the rest

Finom vs Salt Bank
FactFinomSalt BankMedian
Headline rate5%above the median5.3% to 5.9%highest quarter3.25%
TermNot confirmed3 to 12 monthsbelow the median24

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.

Salt Bank

Pros

  • Help is available by email, chat and phone.
  • Cash withdrawals come with a free allowance of RON 900.
  • Term deposits run in RON, EUR or USD and the interest lands in the current account at maturity.

Cons

  • The service is digital only, per free atm and digital only, so there is no branch counter for cash or paperwork.
  • Local receiving details are iban only, which limits how money can be received from other markets.
  • The fixed deposit needs a minimum of RON 500 and ties the money up for the whole term.

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%.

Salt Bank

Who it suits

  • Expats and travellers named under expats and travelers, who want local and overseas money in the same account.
  • Anyone paid in and out in Romania, since 0 commission for incoming and outgoing payments in Romania there.
  • Savers who can wait for interest at maturity and collect it in the current account.

Who should look elsewhere

  • Not a fee-based decision: Skrill charges €0 a month and eToro £0, so price alone does not separate them.
  • Not for people who need UK sort code or US routing numbers for incoming pay, since local details are iban only, the gap to weigh against PayPal Colombia.

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

Salt Bank

Current offer

  • First period offer

    Prima luna este gratuit (first month free): First month of any Salt plan free

    Applies to the Salt, Salt Everyday and Salt Premium plans on opening

    Source, checked September 26, 2026

  • Bonus

    13-lea salariu (13th salary campaign): An extra salary when you bring your salary to Salt

    Source, checked September 26, 2026

Country by country

Finom vs Salt Bank
CountryFinomSalt Bank
CyprusYesNo
PolandYesNo
RomaniaNoYes
AustriaYesYes
BelgiumYesYes
FranceYesYes
GermanyYesYes
IrelandYesYes

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.

Salt Bank

What does a Salt Bank account cost?+

The monthly fee is RON 0 and the currency conversion fee is 0%, so there is no monthly or conversion charge to budget for. Payments in and out in Romania run at 0 commission for incoming and outgoing payments in Romania, and cash withdrawals include a free allowance of RON 900. The conversion fee sits at rank 1 among the brands compared.

Is my money protected at Salt Bank?+

Deposits are covered by EU DGS up to EUR 100,000, so a balance up to that limit is repaid by the scheme if the bank fails. The Romanian guarantee fund FGDB guarantees deposits per depositor as well, and the bank answers to Banca Nationala a Romaniei under licence P.J.R. 40-043.

Other options to compare

Other matchups

Finom

Visit

Salt Bank

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