Finom vs Lexware Office Comparison
Compare Finom vs Lexware Office features, pricing, and more.
Last updated: November 2026
Finom
6.2/10
Finom is a European online business account that combines payment cards, invoicing, multi-bank cash overview and accounting tools for freelancers and SMEs.
Lexware Office
6.7/10
A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.7/10 |
| Scalability | 5/10 | 4/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 6/10 | 8/10 |
| Integration | 6/10 | 7/10 |
| Security | 7/10 | 7/10 |
| Support | 6/10 | 6/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €21/mo Basic | €8/mo S |
| Estimated cost for 10 users | €21/mo Basic | €8/mo S |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Finom vs Lexware Office cost by team size
Finom costs less at 1 user; Lexware Office costs less from 5 users.
| Team size | Finom | Lexware Office |
|---|---|---|
| 1 user | FreeSolo | €8/moS |
| 5 users | €21/moBasic | €8/moS |
| 10 users | €21/moBasic | €8/moS |
| 25 users | €21/moBasic | €8/moS |
| 50 users | €21/moBasic | €8/moS |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Finom
- Has a free plan (Lexware Office does not)
- Higher Scalability score (5/10 vs 4/10)
Why choose Lexware Office
- Lower estimated cost for 10 users: €8/mo vs €21/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Integration score (7/10 vs 6/10)
Pros & Cons
Finom
Pros
- A free Solo plan includes a business account, cards and invoicing, so sole traders pay nothing to start.
- Invoices can carry one-click payment links and send automatic overdue reminders, which speeds up collection.
- Employee cards can be issued, limited and topped up in the app, and staff capture receipts by photo.
- Card spend earns cashback of up to 3%, and savings interest rises with the plan tier.
- Connects to accounting tools including Sage, Odoo and NetSuite, and supports multi-bank connections.
Cons
- There are no SWIFT payments, so international transfers outside SEPA need another account.
- Users report sudden account freezes in 2026, with funds held and little explanation from Finom.
- It is not a full accounting ledger, so most businesses still need separate bookkeeping software.
- Fees for transaction volume, foreign exchange and ATM use can add up on the lower tiers.
Lexware Office
Pros
- Users on OMR Reviews and testers on Experte.de describe receipt scanning and bank matching as fast and easy to set up.
- Creates ZUGFeRD and XRechnung e-invoices and files VAT returns directly to ELSTER.
- Every plan can be cancelled monthly, and users are unlimited according to Für-Gründer.
- Tax advisor access and DATEV export make it easy to hand the books to an accountant.
- An optional payroll add-on handles social security and tax filings for up to 50 employees.
Cons
- Invoices can only be issued in euros.
- Cannot manage several companies, and has no approval workflow and no cost-centre reporting.
- Bookkeeping and VAT returns need the L plan, and recurring features need higher tiers.
- Users report bank connections that drop and support that is hard to reach by phone.
- There is no postal invoice sending and no built-in time tracking.
Not sold on either?
Frequently Asked Questions
Lexware Office scores higher on our Finance Software criteria: 6.7/10 against 6.2/10 for Finom. The largest gap is in Compliance: 6/10 for Finom and 8/10 for Lexware Office.
Lexware Office costs less for 10 users: about €8/mo on its S plan, against about €21/mo on its Basic plan for Finom, billed monthly.
Finom has a free plan; Lexware Office does not list one.
