Finland's Most Affordable Invoicing Service - With Optional Insurance

The short answer: Palkkaguru is Finland's lowest-fee invoicing service

Most Finnish invoicing services advertise a headline fee and then layer on extra charges for instant transfers, or basic features. Palkkaguru is different: 1.9% per invoice, instant SEPA transfers included - no hidden fees.

Here is how every major service compares fees

Palkkaguru

• Base fee: starting at 1.9%

• Instant transfer: Included

• Insurances: Accident & Liability included respectively in Smart and Responsible tiers

• True cost on a €2,000 invoice: €38

Bisse.fi

• Base fee: 2–2.9%

• Instant transfer: Included

• Insurances: Extra cost for both

• True cost on a €2,000 invoice: €40–58+

Ukko.fi

• Base fee: 5%

• Instant transfer: Included

• Insurances: Liability included (+1.5% for Ukko-turva)

• True cost on a €2,000 invoice: €130+

Truster.fi

• Base fee: €55/month fixed

• Instant transfer: Included

• Insurances: Accident & Liability separate

• True cost on a €2,000 invoice: €55+ flat

Eezy

• Base fee: 4–6%

• Instant transfer: Separate fee

• Insurances: Accident & Liability separate

• True cost on a €2,000 invoice: €80–120+

OP Kevytyrittäjä

• Base fee: 5%

• Instant transfer: Standard banking speeds

• Insurances: Accident & Liability separate

• True cost on a €2,000 invoice: €100+

* Figures calculated on a €2,000 invoice excluding VAT. Insurance adds are based on each provider's published rates as of May 2026.. Fee comparisons are based on publicly available pricing from each provider. Insurance terms vary by provider - always confirm coverage details before choosing a service.

Key takeaway:

• On a €2,000 invoice, Palkkaguru costs €38. The same invoice with Ukko.fi costs over €130 once insurance is added. That can be a difference of €92 on a single invoice!

• If you invoice €3,000 per month, switching from Ukko.fi to Palkkaguru saves you approximately €138/month or €1,656/year.

• Once you add accident and liability insurance to Bisse's fee, the total cost exceeds Palkkaguru's.

• Truster's fixed model only becomes cheaper once you invoice over €2,900 per month. Below that threshold - which covers most part-time and beginning freelancers - Palkkaguru is less expensive.

What "included insurance" actually means at Palkkaguru

Many light entrepreneurs discover too late that their invoicing service's headline fee does not include insurance - it is sold separately at 1.5–3% extra. At Palkkaguru, the service fee covers:

• Accident insurance - covers work-related accidents and injuries while you are working for a client, provided by LähiTapiola Mutual Insurance Company

• Liability insurance - covers you if a client claims your work caused financial damage

Those are included respectively in the Smart and Responsible tier. There is no separate line item, no opt-in required, no minimum volume threshold.

This matters especially for beginners: you are covered from your very first invoice.

Who is Palkkaguru best for?

Palkkaguru is designed to be the best option for:

• Freelancers and light entrepreneurs just getting started - low fees mean more money in your pocket from your first invoice, and insurance is already sorted

• Part-time and occasional invoices - no minimum volume, no monthly fee, you only pay when you invoice

• Budget-conscious professionals - the 1.9% fee is Finland's market low for a full-service invoicing platform

Anyone who wants insurance without the paperwork - accident and liability coverage is automatic in Smart and Responsible tier respectively, not an add-on you need to remember.

What Palkkaguru includes as standard

Every Palkkaguru account comes with:

• Invoice creation and sending in Finnish and English

• Real-time invoice status tracking (pending, paid, overdue)

• Earnings dashboard showing income, expenses, and net

• SEPA instant transfer - your salary arrives the same weekday the client pays, between 09:00 and 18:00

• Accident & Liability insurance respectively in Smart and Responsible tier

• No minimum invoicing volume

• No monthly fee

• No sign-up fee

Frequently asked questions

What is the cheapest invoicing service in Finland?

Palkkaguru is Finland's lowest-fee full-service invoicing platform, starting at 1.9% per invoice with no additional charges for instant transfers.

Which Finnish invoicing service includes insurance?

Palkkaguru includes accident insurance and liability insurance respectively in its Smart and Responsible tier as a standard, with coverage provided by LähiTapiola. Most competitors - including Ukko.fi, Bisse.fi, and Truster - either charge extra for insurance or do not include it at all.

Is Palkkaguru good for beginners?

Yes. Palkkaguru is designed for freelancers and light entrepreneurs who are just starting out. There is no monthly fee, no minimum invoicing volume.

How does Palkkaguru compare to Ukko.fi?

Ukko.fi charges 5% plus an optional insurance add-on of 1.5%, bringing the true cost to 6.5%+ for comparable coverage. Palkkaguru charges 1.9% - 3.9%, sometimes less than one third of Ukko's total cost.

Does Palkkaguru include instant transfer?

Yes. SEPA instant transfers are included as standard in Palkkaguru's fee. There is no extra charge for same-day salary payment, unlike some competitors who charge separately for this feature.

Can I invoice without a Finnish business ID (Y-tunnus)?

Yes. Palkkaguru allows you to invoice clients as a private individual without a business ID. This makes it suitable for light entrepreneurship (kevytyrittäjyys) in Finland.

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Palkkaguru handles all invoicing vat, clients info, reminders and even have a debt collection service available for you starting just at 1.9% per invoice. No hidden fees.