Finom, a European financial platform for SMEs and entrepreneurs serving over 200,000 businesses, today launches Metal, its first premium business card. The Visa debit add-on offers 1.2% cashback on business spend (up to €5,000/month), no added Finom markups on up to €100,000/month of non-EUR card spend and subscription refund on leading AI tools. Metal is available from €29.99 per month and is included at no extra cost on the Grow plan.

Finom said the card targets two rising costs for small businesses: FX markups on international card spend, which can reach 5%* on top of the exchange rate, and AI software subscriptions, which the company said have grown more than 98% among its customers in the past seven months.

"Premium business cards have sold status for a decade. We built Metal to sell payback," said Kristjan Kaar, chief product officer at Finom. "For a business spending at scale across currencies, the case isn't the metal, it's the math: cashback on what you spend, and no added Finom markups on what you spend abroad."

What Metal includes:

• 1.2% cashback on business spend, up to a €5,000/month payout. This is Finom’s highest cashback rate.

• No added Finom markups on non-EUR card spend, up to €100,000/month (out-of-hours conditions apply).

• One airport-lounge visit, two fast-track passes and two eSIMs (1GB each) every month.

• The first month of leading AI tools (including ChatGPT, Claude, Perplexity and Cursor) refunded when paid with Metal (new subscribers only; within the monthly cashback cap).

• An 18-gram metal Visa debit card with express delivery.

Metal is a €29.99/month add-on for Finom’s Pro and Grow customers, with one Metal card included at no additional charge on the Grow plan. It is available across all European markets. Customers on Solo, Basic and Smart plans can become eligible by upgrading.

"SMEs are spending more on AI tool subscriptions and cross-border transactions than ever before," said Ivan Kolykhalov, product manager for cards at Finom. "Metal turns these line items down while rewarding the everyday spend that keeps a business running."

Metal is the first step in Finom’s premium-card roadmap, with further benefits and market-specific features to follow.

*Visa applies a daily wholesale conversion rate, benchmarked against ECB rates; providers and banks add their own markup on top (see Visa's European exchange-rate calculator, which itemises the bank fee separately). Independent pricing analyses put that added markup at roughly 3–5% on foreign-currency card spend (June 2026). Figures describe third-party providers, not Finom or Visa.