Banner image 🏆 Meet thewinners of e-Revolutionaries 2024

Switch your OĂś
to Xolo

Fast and reliable support, professional accountants, integrated business account, and so much more for your company at one, affordable monthly cost.

We know these
shouldn’t be problems

Surprisingly they still are for many business owners

  1. Customer service: A growing business can never discount the speed and reliability of expert support at the moment you need it most.
  2. Transaction limits: The frustration of hitting a transaction ceiling because the business is growing, the month is going well, and more customers are being served is intense.
  3. No self-service: Being unable to instantly access the financial files, balance sheets and income statements of a business you own isn’t sustainable for any professional.

The Xolo difference

With Xolo Leap, you get instant access to fast and reliable support, an intuitive self-service that lets you access your balance sheet and income statement (and more!) without having to contact someone, a team of accountants that can handle any amount of transactions you have, and all with today’s most popular e-Residency provider.

Choose the best plan for you — No surprises

Starter
€59 /month
  • Complete accounting services to get your business going
  • Business volume and activity limits apply
  • Up to 12 months and/or €4,000 total lifetime revenue
  • Business account and debit card included Xolo card illustration
Standard
€89 /month
  • Complete accounting services
  • Business volume and activity limits apply
  • Integrations with LHV, Wise, Revolut, Wamo, Payoneer, Stripe and PayPal
  • Business account and debit card included Xolo card illustration
Two months on us! Save €258*
Pro
€129 /month
€0 for 2 months
All Standard features, plus...
  • Business volume and activity limits apply
  • Add shareholders (private individuals) or board members
  • OSS reporting for digital service
  • Investment activities
  • Business account and debit card included Xolo card illustration
Premium
From* €259 /month
All Pro features, plus…
  • Flexibility in supporting non-standard use cases
  • * Based on the complexity and volume of your business
  • Priority services
  • Business account and debit card included Xolo card illustration
*By participating in this promotion, you are agreeing to use Xolo Leap for a minimum of 6 months. Should you decide to terminate the agreement early, you will be charged for the original subscription fee.

The promotion begins from the day of activating your account, with the first free month starting immediately. If you activate on the last day of a particular month, that month will be considered your first free month. The service will automatically renew at the end of the promotion and standard fees will apply thereafter. We reserve the right to modify or cancel this offer at any time without prior notice.
All prices excluding VAT
See more features
Starter
Standard
Pro
Premium
COMPANY & INCORPORATION
Online company registration (if needed)
Virtual Office: legal address, PO box & local contact
Shareholders (private people only) or board members
1
1
Max 2
Max 5
Estonian VAT number (if needed)
Private person as a shareholder
e-Residency application consulting
Legal entity (Estonian company) as a shareholder
External sources of funding the business operations (eg bank loans, convertible notes, grants)
XOLO BUSINESS ACCOUNT
Setup fee
Free
Monthly fee
Free
Order a virtual card
Free
Order a plastic card
Coming soon
Card monthly fee
€0.8 +VAT per card per month
Charged on the last day of the month
Card transaction
€0.1 +VAT per transaction
Incoming/outgoing SEPA credit transfer
€0.18 +VAT per transaction
Outgoing SEPA direct debit
€0.12 +VAT per transaction
SWIFT payments
5€ + 0.6-5%, fees vary based on the currencies and intermediary banks
Xolo provides business accounts and debit cards in collaboration with Swan. All the related fees are charged by Swan, according to Swan's Terms and Conditions. Swan is an Electronic Money institution and Payment institution offering payment services under French law approved by the ACPR under number 17328.
BANKING & PLATFORM
Supported banks and payment gateways for business purposes
LHV, Wise, Revolut, Stripe, PayPal, Wamo, Payoneer
LHV, Wise, Revolut, Stripe, PayPal, Wamo, Payoneer
LHV, Wise, Revolut, Stripe, PayPal, Wamo, Payoneer, Custom options
LHV, Wise, Revolut, Stripe, PayPal, Wamo, Payoneer, Custom options
Active bank and payment gateway accounts supported
Max 4
Max 4
Max 4
5+
Xolo Self Service portal
Business trip feature - Trip Cost Tracker & Overview
SUPPORT
Support via email from a dedicated accountant (2 Hours/Month)
Dedicated Senior Accountant Support (1 Hour/Month via video call)
Customer Support emails receive first priority
REPORTING & COMPLIANCE
Preparation & submission of Estonian annual reports
Monthly accounting accordance with Estonia Regulations
Estonian VAT collection & declaration
Income and Social tax reporting (TSD)
Mandatory reporting to Statistics Estonia
Registration in the OSS scheme
VAT OSS reporting for digital services
Flexibility in supporting non-standard use cases
Annual report submitted in priority order
Quarterly financial reports (per request)
Fixed assets
SALES & INVOICING
Create and send invoices through Xolo Self Service portal
Sales transactions per month
Max 50
Max 50
Max 500
500+
Automated recurring invoicing
Sales activity supported through other platforms
Sell apps via Google Play & Apple App Store
Sell digital services via Amazon
Sell software and apps via Paddle
Sell services via freelancing platforms (Upwork, Paddle)
Automated assistance for sales VAT
Automated VAT number validity check in VIES
Automated VAT rate on the invoice
Automated VAT sum calculation on the invoice
Send invoices and receive payments in other currencies than EUR
Creating sales invoices using external billing system or freelance platforms
BUSINESS EXPENSES
Monthly processed purchase invoices and subcontractor payments count
Max 20
Max 20
Max 50
50+
Expense document processing
Unique email address for forwarding expenses
Automated digitization of expenses
Collaboration feature with online contract templates for hiring contractors
Hire and pay salaries to employees (employees must be Estonian tax residents)
1
2+
Expense covered by customer feature
Company car possession in Estonia
Compensation payments for the use of a personal car
License fee payments to residents or non-residents
INVESTMENTS
Investment platforms supported
Max 5
5+
Invest in publicly traded stocks
Lending via crowdfunding platforms
Invest in EU and UK companies (minority stake with no controlling rights)
Invest in cryptocurrencies via wellknown platform
1
1+
Invest in cryptocurrencies via crypto wallets
Subsidiary in Estonia
Give loans to legal entities (other than crowdfunding)
Real estate in Estonia
E-COMMERCE: PHYSICAL GOODS (€59/MONTH)
Customizable solutions for diverse e-commerce models
Option to hold physical goods inventory
Estonian VAT declaration submission for physical goods
VAT OSS/IOSS reporting for physical goods
Additional EU VAT number
ADDITIONAL SERVICES
€200
€200
€200
€200
Past-due annual report: We charge extra if all necessary documentation isn't provided by the deadline (30.06)
€200
€200
€200
€200
Non-obligatory annual report
€200
€200
€200
€200
Revisions to submitted reports (any report)
€100
€100
€100
€100
Customized services available upon request
Contact us
Contact us
Contact us
Contact us

For everything
outside the box 📦

€59/month

E-COMMERCE SUPPORT ADD-ON

Manage your e-commerce accounting with Xolo and we will take care of your:

  • Tax reporting and dedicated support for Estonian VAT registration and OSS/IOSS compliance.
  • Customizable solutions for diverse e-commerce models including Dropshipping, Print on Demand, and Amazon FBA.
  • Top-quality support with 8+ years of e-residency accounting experience
Xolo card illustration

A business account is in the cards for you…

Introducing Xolo business accounts and debit cards - included in the monthly subscription.

  • An EU IBAN
  • A virtual debit card
  • Use with Apple or Google wallet

Available for all Leap plans.

“Simple, quick and really useful”

Peace of mind in 4 steps

1

Register

Create an account with Xolo (you know, the basics)!

2

Explain

Tell us the basics about your business (digital cat cafe?).

3

Verify

Our accountant reviews your balance sheet and contacts you.

4

Welcome

You’re in! Now you can focus on growth (while we do your boring work).

Choose Estonia’s #1 simple, smart and speedy e-Residency service