Your subscription fee will be charged to your account monthly or annually, depending on the option you choose. However, your account may not have sufficient funds to cover the subscription fee. What happens in this situation?
If there are insufficient funds in your account at the time of payment, we can't collect the fee. When you log in, you'll see a banner on the home page showing the amount due and your current balance.
Your account is blocked, but you can keep using Finom and receiving payments. Actions that move money out of your account, such as transfers and card payments, are limited until you pay the fee.
If your account balance is not enough to cover both your subscription and any additional service fees, the fees for extra services used during the previous billing period will be charged first. If you don't have enough funds to cover your subscription, the limits stay in place until you top up and the full subscription amount is successfully charged.
The billing block does not stop incoming payments and transfers from coming, giving you the possibility to top up your account
Once your account is blocked, you will see the following banner after logging into your account:
Web:
Mobile app:
How to top up and unblock your account
From the banner, choose how you'd like to add funds:
Apple Pay
Google Pay
Credit or debit card
Bank transfer (SEPA, instant or regular)
Selecting Apple Pay, Google Pay, or card opens that payment method directly so you can top up in a few taps. Selecting bank transfer shows your account's SEPA transfer details.
The usual limits for card top-ups apply, see Top up your Finom account with a card for details.
If you've already reached your cumulative card top-up limit, Apple Pay, Google Pay, and card won't be shown as options on the banner — bank transfer (SEPA) is always available as a way to top up, regardless of that limit.
If your top-up doesn't fully cover the outstanding amount, your account stays partially blocked until the full amount has been collected.
As soon as the full amount is charged, your account is unblocked automatically, and the banner disappears — no further action needed on your part. This can take up to a few minutes to take effect.
Please contact our Customer Care Team if you have any questions.