Finom, the integrated financial management platform for freelancers and SMEs in Europe, launched the Interest Account: an embedded, fully MiFID-regulated feature that lets business customers earn daily returns on EUR balances.

The launch addresses a gap in European business banking. The ECB deposit facility rate currently sits at 2%, yet most eurozone banks pay significantly less on small business current accounts, leaving freelancers and SMEs with limited options to earn returns on working capital. Larger corporations have dedicated treasury teams to solve this, but SMEs and freelancers do not. The result is billions in working capital sitting idle across Europe, while business owners focus on running their companies.

To close this gap, Finom Interest Account offers eligible Finom business customers up to 5%** annualised interest on their EUR balances. Returns accrue daily and are credited automatically, with no lock-up period, so customers can access their funds at any time, with instant withdrawals. There are no setup or ongoing fees for eligible users.

"Most business banking features treat idle cash as an afterthought," said Andrew Petrov, CEO and co-founder of Finom. "Our Interest Account flips that. It is designed around how businesses actually operate: funds need to be accessible, returns need to be predictable, and the whole thing needs to work without extra effort on the owner's part."

The feature is powered by a partnership with Aksys Global Markets Europe Ltd. (CySEC License No. 456/25), a fully licensed EU investment firm. Customer funds are invested in low-risk Money Market Funds (MMFs) under a complete MiFID-regulated structure.

"Whenever European SMEs have cash balances, those usually generate nothing while sitting in a current account," said Imad Assio, Executive Director at Aksys. "Through our partnership with Finom, we're making it straightforward for small businesses and freelancers to put their working capital to use within a regulated, low-risk structure and no special knowledge required."

This launch is the first MiFID-powered investment feature within the Finom ecosystem. The Interest Account is available to Finom customers on Solo, Basic, Smart, Pro, and Grow plans across EEA markets. EUR balances are supported at launch.