You want your bank account and bookkeeping in one app
Finom bundles a business account, payments, invoicing and receipt scanning in one place. If you want a modern account plus light bookkeeping from a single source, you're in good hands with Finom.
Finom alternative
Finom alternative: focused bookkeeping at a fixed price instead of an account plus tools
Finom is a fintech: a modern business account with invoicing, receipt scanning and financial tools, rounded out with bookkeeping features and export to popular programs. Buchführungsheld comes at it from a different angle. You upload your receipts, certified bookkeepers handle the ongoing posting, prepare your VAT return and deliver DATEV-compatible reports. Here you can see the difference in models and when each path is right for you.
Updated: July 2026. Prices of other providers are non-binding and subject to change.
Buchführungsheld
April done
- Receipts uploaded12 receipts, April
- Booked by prosgeprüft und kontiert
- USt-Voranmeldung300 €, vom Finanzamt eingezogen
Umsatz24.500 €
Gewinn6.200 €
Finom and Buchführungsheld compared head-to-head
Account plus tools with add-on bookkeeping versus focused full-service bookkeeping. The Buchführungsheld column is highlighted and the figures are deliberately kept honest.
| Criterion | Finom | Buchführungsheld |
|---|---|---|
| Core principle | Business account plus tools, bookkeeping as part of the ecosystem | focused full service, bookkeepers post for you |
| Business account included | yes, the account is the core of the offering | no, no account, purely a bookkeeping service |
| Time spent per month | low with the account, the ongoing posting is done by you or your advisor | about 15 to 30 minutes, uploading receipts |
| Receipt capture | automatic receipt recognition, assignment to the account | you upload, the team posts |
| Invoice creation (invoicing) | yes, create invoices directly in the account | in preparation, available soon |
| Ongoing posting | Tools and export – the actual bookkeeping is done by you or your tax advisor | by certified bookkeepers |
| Preliminary VAT return | no handover by Finom, you or your advisor files it | prepared and filed for you |
| DATEV compatibility | Export and interfaces to DATEV and accounting programs | DATEV-compatible collaboration and export |
| Error risk and liability | up to you, as long as you post or export yourself | Bookings by professionals, a verified process |
| Price per month | Account roughly free up to higher business plans, Basic approx. €8.99 (as of July 2026, please check) | from €49 (full service including booking) |
| Support | Support for your account and the tools | personal bookkeepers, support based in Germany |
| Contract commitment | depending on the plan, billed annually or flexibly monthly | cancelable monthly |
As of July 2026. Finom prices per the provider: Solo free, Basic approx. 8.99 euros per month with annual billing (Flex approx. 10.99 euros), Smart approx. 23.99 euros (Flex approx. 27.99 euros), higher Business plans Pro and Grow from approx. 119 euros per month upward. Prices vary depending on payment volume, number of cards and users. As of July 2026, please check with the provider. Finom offers an account, invoicing, receipt recognition and export to bookkeeping programs, but does not take on ongoing posting as a service. Buchführungsheld prices are plus 19 percent VAT and are intended exclusively for businesses.
Sample calculation: Finom tools vs. handing off your bookkeeping
Example: a solo self-employed person with around 25 receipts per month. We compare monthly costs and scope of service, not your own time, since both providers take work off your hands.
Finom account plus tools
- Basic account plan (approx., depending on billing frequency)approx. 8.99 €
- included: bank account, invoicing, receipt capture, exportincluded
- ongoing posting and VAT returnnot included
Total per monthapprox. 8.99 €
Mit Buchführungsheld
- Buchführungsheld Starter, 25 receipts included49 €
- included: ongoing posting by bookkeepersincluded
- included: VAT return and DATEV exportincluded
Total per month49 €
For a plain account, Finom is significantly cheaper, but it gives you tools rather than finished bookkeeping. Buchführungsheld costs more, but takes over the actual posting and the VAT return. The two models can also be combined.
Sample calculation on how the models differ. Finom account prices range from approx. free to higher business plans, Basic approx. €8.99 per month depending on payment method. As of July 2026, please check with the provider. The figures are not directly comparable, since Finom is an account plus tools and Buchführungsheld is a bookkeeping service.
When Finom is the better choice
Honestly, there are cases where a fintech like Finom is a better fit for you.
You write invoices yourself right away
Finom creates invoices directly in the account, including automatic payment matching. At Buchführungsheld, invoicing is in the works and coming soon. If you need invoicing right away, Finom has the edge here.
Small budget, you enjoy doing the bookkeeping yourself
Getting started with Finom is cheap, sometimes free. If you handle the ongoing bookkeeping yourself or through your tax advisor anyway and are mainly looking for a good bank account, the Finom ecosystem is often enough for you.
From Finom to Buchführungsheld in three steps
You can keep your Finom account and only hand off the bookkeeping. Your data won't be lost.
1
Initial consultation and clarifying the current status
In a short, free call, we take a look at your current bookkeeping and clarify which plan fits you. You can keep using your Finom account.
2
Export data (DATEV or CSV)
You export your receipts and transactions from Finom, for example as a DATEV or CSV file. We take over the ongoing bookkeeping seamlessly from there.
3
Upload receipts, we post them
From now on, you upload receipts via app or browser. Your accountants book everything, prepare the VAT return, and deliver monthly reports.
More comparisons
See how Buchführungsheld stacks up against other providers and approaches.
FAQ: Finom and Buchführungsheld
Answers on how the models differ, data migration, costs, and cancellation.
Is Buchführungsheld a Finom alternative?
Only partly. Finom is a business account with tools and bookkeeping features; Buchführungsheld is a pure bookkeeping service without an account. So you're not replacing the account, you're handing off the actual bookkeeping. The two combine nicely.
Can I bring over my data from Finom?
Yes. You export your receipts and transactions from Finom, for example as a DATEV or CSV file. Buchführungsheld takes over the ongoing bookkeeping and continues to work in a DATEV-compatible way.
What does Buchführungsheld cost compared to Finom?
The offerings can't be compared one to one. Finom is a bank-account plan that, according to the provider, ranges from free (Solo) through Basic at around 8.99 euros up to higher Business plans (as of July 2026, please verify). Buchführungsheld starts at 49 euros per month, and for that certified bookkeepers handle the ongoing bookkeeping and the preliminary VAT return, which Finom doesn't provide as a service.
Do I have to close my Finom account?
No. You can keep using your Finom account and simply hand off just the bookkeeping to Buchführungsheld. Buchführungsheld itself can be canceled monthly.
Can I also write invoices with Buchführungsheld?
Invoicing is in preparation at Buchführungsheld and coming soon. Today the focus is on complete bookkeeping: you upload receipts and outgoing invoices, and the team posts everything. If you want to write invoices in the same tool right away, Finom already offers invoicing within the account.
Do I need a tax advisor on top of this?
For the annual financial statements and tax return, you continue working with your tax advisor. Buchführungsheld delivers the continuously categorized data in DATEV-compatible form, so your tax advisor can jump right in.
Is my bookkeeping GDPR- and GoBD-compliant?
Yes. Buchführungsheld processes all data in a GDPR- and GoBD-compliant way in data centers in Germany.
Hand off your bookkeeping
Hand off your bookkeeping instead of posting it yourself
Upload your receipts, and certified bookkeepers take care of the rest. At a flat rate from 49 euros per month, cancelable monthly. Try it free for 7 days.