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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Standard Chartered Bangladesh

Finom scores 8.9 and Standard Chartered Bangladesh 9.6 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Standard Chartered Bangladesh

Standard Chartered Bangladesh

Higher score in this comparison

9.6/10
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Where Finom and Standard Chartered Bangladesh differ

Finom vs Standard Chartered Bangladesh
CompareFinomFinomReviewVisitVisitStandard Chartered BangladeshStandard Chartered BangladeshReviewSee alternativesSee alternatives
Rate typeFixedVariable
Minimum deposit€0BDT 0
Access termsInstant access, withdraw at any time with no withdrawal penaltiesDebit card with zero fee, no cheque book, no counter transactions, interest credited monthly on any balance
Monthly fee€0BDT 0
Account kindCash managementEasy access
Headline rate5%Not confirmed

Same on both: 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

  • Standard Chartered Bangladesh scores higher overall: 9.6 vs 8.9.
  • Founded is lower at Standard Chartered Bangladesh: 1905 vs 2019.
  • Finom is available in 10 more countries.
  • Support channels: only Finom offers Chat, Community.
  • Support channels: only Standard Chartered Bangladesh offers Phone.
  • Pricing model: only Finom offers Fixed rate.

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

Standard Chartered Bangladesh

Standard Chartered Bangladesh pairs a current account charging a BDT 0 monthly fee with easy access savings from BDT 0, which suits residents, expats and freelancers who want plain everyday banking in Bangladesh. Inward remittances are No fee on inward remittances and the interest rate is variable, with support on email, phone and help centre.

Read the full Standard Chartered Bangladesh review

Score breakdown

Finom vs Standard Chartered Bangladesh
AreaFinomStandard Chartered Bangladesh
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%.Not confirmed
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.2
Trust8.29.9Higher

Where they rank in our lists

Finom vs Standard Chartered Bangladesh
RankingFinomStandard Chartered Bangladesh
Savings accounts1 of 142060 of 1420
Business bank accounts1 of 56326 of 563
Accounts for freelancers1 of 13014 of 130

Where each is licensed and available

Finom vs Standard Chartered Bangladesh
CountryFinomStandard Chartered Bangladesh
CyprusNot confirmed
NetherlandsNot confirmed

Additional countries for Finom: 11. Additional countries for Standard Chartered Bangladesh: 1.

Sources behind this comparison

Finom

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

Standard Chartered Bangladesh

  • sc.com: 10 facts, checked September 26, 2026
  • esma.europa.eu: 1 fact, checked September 26, 2026

Every fact side by side

Finom vs Standard Chartered Bangladesh
FactFinomStandard Chartered Bangladesh
Pricing modelNo monthly fee, Fixed rateCovers moreNo monthly fee
Legal entityPNL Fintech B.V.Standard Chartered Bank
HeadquartersNetherlandsBangladesh
Founded20191905Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Phone, Help centre

Everyday accounts

Finom vs Standard Chartered Bangladesh
FactFinomStandard Chartered Bangladesh
Currency conversion fee1%Not confirmed
Currencies17Not confirmed
AudienceBusiness, FreelancerExpats, Travelers, Business, Freelancer, StudentCovers more
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)No fee on inward remittances

Money transfer

Finom vs Standard Chartered Bangladesh
FactFinomStandard Chartered Bangladesh
Payout methodsNot confirmedBank
Fee to send 1,000Not confirmedBDT 0

Where each stands against the rest

Finom vs Standard Chartered Bangladesh
FactFinomStandard Chartered BangladeshMedian
Headline rate5%above the medianNot confirmed3.25%

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.

Standard Chartered Bangladesh

Pros

  • The current account charges a monthly fee of BDT 0, which matches the €0 median for everyday accounts and fits the no monthly fee model.
  • Savings start from a minimum deposit of BDT 0 and pay a variable rate, the type used across 78.9% of this group.
  • Inward remittances are No fee on inward remittances, with the transfer fee amount at BDT 0.

Cons

  • The interest rate is variable, so the return on a savings balance can move with the bank's pricing rather than being held for a term.
  • Withdrawals pay out to bank only, so there is no cash payout listed alongside the bank transfer.

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%.

Standard Chartered Bangladesh

Who it suits

  • Expats and travelers in Bangladesh who want a BDT 0 monthly fee on a current account
  • Freelancers and small businesses receiving money from abroad, where No fee on inward remittances
  • Students or savers wanting easy access savings from a BDT 0 minimum deposit

Who should look elsewhere

  • PayPal Colombia, because its monthly fee is $0 as well, so cost alone will not separate the two
  • Plazo ES, whose monthly fee is €0 too, so the deciding factors are the variable rate and the bank account rather than the monthly charge

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 Standard Chartered Bangladesh
CountryFinomStandard Chartered Bangladesh
AustriaYesNo
BangladeshNoYes
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo

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.

Standard Chartered Bangladesh

What does it cost to hold an account here?+

The current account charges a monthly fee of BDT 0, and the bank is listed under the no monthly fee model. The savings account asks for a minimum deposit of BDT 0. The access terms describe a debit card at no charge, so there is no card fee to budget for.

Is my money protected?+

Deposit protection is listed as EU DGS up to EUR 100,000, which is the only cover stated for the account. The legal entity is Standard Chartered Bank, based in Bangladesh and trading since 1905, and savings sit in an easy access account.

Other options to compare

Finom

Visit

Standard Chartered Bangladesh

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