You can top up your Finom account instantly using a credit or debit card, Apple Pay, or Google Pay. Funds are added directly to your main wallet and become available immediately after a successful payment.
This feature is being rolled out gradually and may not be available to all customers right away. We're working to make it available to all Finom customers over time.
Currently, top-ups are supported only in euros.
To use card top-up, you must:
have an active Finom account
be the account owner
The feature may not be available for some industries due to compliance and risk restrictions.
How to top up your account
Option 1: Top up with Apple Pay or Google Pay
1. Log in to your account via the Finom app or web platform
2. On the home screen, select Add your money
3. Choose:
Apple Pay, or
Google Pay
4. Enter the amount you want to top up
5. Follow the instructions on the screen and confirm the payment using your device authentication method, such as Face ID, Touch ID, or your device passcode
💡 On web, Apple Pay is completed by scanning a QR code with your mobile device.
6. Once the payment is approved, the funds will appear instantly in your main wallet
Option 2: Top up by entering card details manually
1. Log in to your account via the Finom app or web platform
2. On the home screen, select Add your money
3. Choose Credit or debit card
4. Enter the amount you want to top up
5. Fill in your card details:
Card number
Expiry date
CVC
Cardholder name
6. Complete the authentication step if requested by your bank
7. After successful confirmation, the money will be added instantly to your main wallet
Limits and fees
The following limits apply to card top-ups:
Minimum top-up amount: €50
Maximum top-up amount: €3,000
Maximum cumulative top-up amount: €3,000
At the moment, we do not charge any fees for card top-ups within these limits. Only EUR top-ups are supported.
Supported wallets
Funds added through card top-up are credited to your main wallet only. We do not currently support the top-up to any extra wallets
Security
Card top-ups are protected with industry-standard security measures. Depending on the payment method used, authentication may include:
3D Secure (3DS)
Strong Customer Authentication (SCA)
Face ID or Touch ID for Apple Pay and Google Pay
Payment authentication and card security are handled securely by Finom’s payment provider.
Failed or declined top-ups
If a payment is declined:
You can try again immediately
You can change the amount or payment method
The declined transaction may appear in your transaction history with a decline status
If the issue persists, contact your card issuer or Finom Support.