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Updated September 29, 2026 · VaultCue Editorial Team

Finom vs Wirex

Finom scores 8.9 and Wirex 9.2 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Wirex

Wirex

Higher score in this comparison

9.2/10
Visit

Finom vs Wirex: the differences

Finom vs Wirex
CompareFinomFinomReviewVisitVisitWirexWirexReviewVisitVisit
Monthly fee€0$0
Currency conversion fee1%0%Lower
Currencies1740Higher
Local account detailsIBANIBAN, UK sort code, Us ACHCovers more
Free ATM withdrawals€10,000Higher€200
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)Free
Deposit protectionEU DGS up to EUR 100,000Not confirmed

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

  • Wirex scores higher overall: 9.2 vs 8.9.
  • Founded is lower at Wirex: 2014 vs 2019.
  • Finom is licensed in 1 more country.
  • Currency conversion fee is lower at Wirex: 0% vs 1%.
  • Currencies is higher at Wirex: 40 vs 17.
  • Local account details: only Wirex offers UK sort code, Us ACH.
  • Free ATM withdrawals is higher at Finom: €10,000 vs €200.
  • Support channels: only Finom offers Email, Community.
  • Pricing model: only Finom offers Fixed rate.
  • Pricing model: only Wirex 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

Wirex

Wirex suits travellers and expats who want to hold and spend across borders with local payout details in place. You pay monthly fee of $0 with currency conversion fee of 0% and balances across 40 currencies with transfers at free for daily use.

Read the full Wirex review

Score breakdown

Finom vs Wirex
AreaFinomWirex
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%.9.4HigherTransfers at free with ATM allowance of €200 for cash access
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.5Holds 40 currencies with local details IBAN, UK sort code and us ACH for everyday use
Trust8.28.8HigherOperated as Wirex Limited based in GB and founded in 2014

Feature by feature

Finom vs Wirex
Local account detailsFinomWirex
IBANYesYes
UK sort codeNoYes
Us ACHNoYes

Pick Finom if, pick Wirex if

Pick Finom if free atm withdrawals matter most.

Pick Wirex if trust, currency conversion fee, currencies, and local account details matter most.

What we checked

Finom

  • finom.co: 14 facts, checked September 26, 2026

Wirex

  • wirexapp.com: 7 facts, checked September 28, 2026
  • help.wirexapp.com: 5 facts, checked September 28, 2026

How they place

Finom vs Wirex
RankingFinomWirex
Multi-currency accounts2 of 3486 of 348

Every fact side by side

Finom vs Wirex
FactFinomWirex
AudienceBusiness, FreelancerNot confirmed
Pricing modelNo monthly fee, Fixed rateNo monthly fee, Low FX
FeaturesFree ATMFree ATM
Legal entityPNL Fintech B.V.Wirex Limited
HeadquartersNetherlandsUnited Kingdom
Founded20192014Lower
Support channelsEmail, Chat, Help centre, CommunityCovers moreChat, Help centre

Where each stands against the rest

Finom vs Wirex
FactFinomWirexMedian
Currency conversion fee1%above the median0%below the median0.5%
Currencies17highest quarter40highest quarter5
Free ATM withdrawals€10,000highest quarter€200above the median€1

Median across 536 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.

Wirex

Pros

  • Pay monthly fee of $0 so the account adds no fixed upkeep between trips
  • Exchange balances with conversion fee of 0% which helps frequent cross border spend

Cons

  • Support runs on chat and help centre only, which may frustrate those who prefer voice help

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%.

Wirex

Who it suits

  • Pick Wirex over eToro when you want local details such as IBAN, UK sort code and us ACH for receiving pay abroad
  • Pick Wirex over bunq when you want conversion fee of 0% with monthly fee of $0 for travel use

Who should look elsewhere

  • Consider Bit2Me instead if your priority is crypto exchange depth rather than everyday multi currency spending
  • Consider eToro instead if your main activity is investing rather than holding travel balances

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 Wirex
CountryFinomWirex
AustriaYesNo
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo

8 of 11 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.

Wirex

Does Wirex charge a monthly fee for the account+

You pay monthly fee of $0 for the personal account, so there is no fixed upkeep for holding balances. This helps if you keep the account dormant between trips. You still should review transaction linked charges before moving funds.

What does Wirex charge for currency conversion+

Currency conversion fee is 0%, which keeps swapping balances predictable while travelling. Rates can still vary by market and timing. Check the live quote in the app before confirming a larger exchange.

Other options to compare

Other matchups

Finom

Visit

Wirex

Visit