UKKO.fi business account 2026: price list and monthly fee
In October 2026, UKKO.fi offers its UKKO Yrittäjä customers a business account and payment card from €15/month + VAT, and the actual provider of the account is the French company Swan. The account also requires the UKKO Yrittäjä financial administration service, so it is not a standalone business account for a light entrepreneur.
UKKO.fi business account prices and terms
| Opening fee | €0.00 (no opening fee) |
|---|---|
| Cheapest plan | UKKO Yritystili (sole trader) |
| Monthly price | €15.00 + €24.90 (UKKO Yrittäjä service, sole trader) (starting price, + VAT, requires an add-on service) |
| Included in the plan | Business account and payment card, account transactions are posted directly to UKKO Yrittäjä bookkeeping, invoice payment from the service |
| Price terms | From €15/month + VAT 25.5% (October 2026), first 2 months €0, no opening fee. Also requires the UKKO Yrittäjä financial administration service: for a sole trader from €24.90/month + VAT (for those invoicing up to €400/month). |
| Extra card cost / month (on top of the headline price) | €0.00 |
| Extra user / month | not available |
| Cash deposit | Not mentioned |
| Currency conversion markup on card payments | not available |
| More about fees | UKKO.fi describes the price as fixed with no extra charges, but per-transaction prices are not itemised. The card is included in the price (account and card from €15/month + VAT). |
| Transfers included in the plan | not available |
|---|---|
| Transfer price after the allowance | not available |
| E-invoice sent | not available |
| Monthly fee of the e-invoice service | not available |
| E-invoice received | not available |
| E-invoices (sending and receiving) | not available |
| Type | Payment institution |
|---|---|
| Company forms | Sole trader, Limited company |
| Deposit guarantee | The account is provided by the French Swan (supervised by the ACPR, according to Swan an e-money licence). Funds are held in a separate account at BNP Paribas, and according to Swan the French FGDR protects each account holder's funds up to €100,000 if the custodian bank fails. UKKO.fi's own claim that the EU deposit guarantee directive applies to accounts such as domestic bank accounts is the seller's claim. |
| Opening online | Yes |
| Time to open | even on the same day |
| A credit check can block opening | not available |
| Accounting integrations | Integrated with UKKO Yrittäjä bookkeeping |
| Own card terminal | not available |
| Invoicing tool | Yes |
| Finnish IBAN | not available |
| Customer service in Finnish | not available |
| More about features | Invoicing and bookkeeping in the UKKO Yrittäjä service; with UKKO Maksut invoices are paid from the service at a fixed price. |
| Business credit card | not available |
| Business card annual fee | not available |
| More about the business card | Not confirmed. |
| Information checked | 15 October 2026 |
UKKO.fi: price notes: starting price, + VAT, requires an add-on service.
Prices are not fully comparable with regard to VAT: the labels "incl. VAT", "+ VAT" and "VAT-exempt" are shown only when the provider or its price list states it.
| Plan | Price / month | Includes | More information |
|---|---|---|---|
| UKKO Yritystili (limited company) | €15.00 | Business account and payment card, account transactions are posted directly to UKKO Yrittäjä bookkeeping, invoice payment from the service | From €15/month + VAT 25.5% (October 2026), first 2 months €0, no opening fee. Also requires the UKKO Yrittäjä financial administration service: for a limited company €139.90/month + VAT or €119.90/month + VAT with an annual contract. |
Reviews: ratings of UKKO.fi
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 4.1 / 5 | 1,069 reviews | ukko.fi on Trustpilot |
| App Store: UKKO Entrepreneur (TMI) | 3.9 / 5few ratings, not representative | 13 ratings | App in the App Store |
| Google Play: UKKO Entrepreneur (TMI) | 3.8 / 5 | 25 ratings, all countries | App on Google Play |
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: Account open even on the same day and 2 months free (October 2026)
- Pro: Account transactions are posted directly to bookkeeping
- Pro: No opening fee
Cons
- Con: Requires the UKKO Yrittäjä financial administration service (for a sole trader from €24.90/month + VAT)
- Con: VAT of 25.5% is added to the prices
- Con: The account is provided by the e-money institution Swan, not a bank
How do you open a UKKO.fi business account?
UKKO Yritystili (business account) is available only to customers of the UKKO Yrittäjä service (financial administration for sole traders and limited companies): log in to the service, register for a Swan account and identify yourself. The UKKO Kevytyrittäjä invoicing service is not a business account as such.
Guides for business owners
- Card terminal for a business
- Business card
- Sole trader: choosing a bank account
- Limited company: choosing a bank account
Sources
- UKKO.fi: Yritystili yrittäjilleretrieved 15 October 2026
- UKKO Yrittäjä: Hinnasto ja lisäpalvelutretrieved 15 October 2026
- UKKO.fi etusivuretrieved 15 October 2026
- Swan docs: Financial protectionsretrieved 15 October 2026
Information checked on 15 October 2026. Check the VAT basis and the current terms with the provider.
Frequently asked questions
How much does a UKKO.fi business account cost per month?
The cheapest UKKO.fi plan (UKKO Yritystili (sole trader)) costs €15.00 per month (starting price, + VAT, requires an add-on service). From €15/month + VAT 25.5% (October 2026), first 2 months €0, no opening fee. Also requires the UKKO Yrittäjä financial administration service: for a sole trader from €24.90/month + VAT (for those invoicing up to €400/month).
Can you open a UKKO.fi business account online?
Yes. UKKO Yritystili (business account) is available only to customers of the UKKO Yrittäjä service (financial administration for sole traders and limited companies): log in to the service, register for a Swan account and identify yourself. The UKKO Kevytyrittäjä invoicing service is not a business account as such.
Does UKKO.fi support e-invoices?
This information is not yet available.