Xolo vs Enty (2026)

The short answer

Xolo, for almost everyone. Enty's headline pricing looks cheaper — its entry-level Annual Reporting plan puts year one at €1,012 against Xolo Leap Starter's €1,054, a €42 gap in Enty's favor. But that number only holds if you stay under Enty's transaction caps. Cross them, and the math flips fast: Enty charges €5 per transaction beyond its monthly limit, and those limits are tight — 15 a month on the VAT-registered tier, 5 a month on the e-commerce tier.

Xolo doesn't cap transactions on any Leap tier. For a business with steady invoice volume, that's worth more than the €42 headline saving.

Enty makes sense in one specific case: a pre-revenue or very low-volume company that wants a free software tier to start, with the option to add a personal manager later without switching platforms. Its free Starter tier — an income/expense dashboard, document OCR, two contract types — has no equivalent on Xolo.

Both are Estonian companies, both connect to Wise, and both include a dedicated personal manager from their entry service tier. The real differences are transaction caps, track record, and review consistency.

Comparison at a glance

Prices ex VAT, verified against both providers' own pricing pages and the official e-Residency Marketplace on 18 July 2026.

What each one actually costs

Year one for a solo Estonian OÜ on Xolo Leap Starter costs €1,054. The same year on Enty's Annual Reporting plan costs €1,012, using the same methodology as the full provider comparison: state fees, twelve months of the entry-level plan that actually includes accounting and a legal address, and a €50 one-off Wise Business account.

That €42 gap is real — but it assumes you never exceed Enty's cap of 30 transactions per year on the Annual Reporting plan. That's fewer than three transactions a month. A freelancer sending four invoices and paying two supplier bills a month blows through it by summer, at €5 per extra transaction. Xolo's Leap Starter has no such limit at any transaction volume.

Enty's remaining tiers, for reference: a standalone software-only plan at €22/month (or €259/year) with no accountant, and an E-commerce & B2B SaaS tier at €110/month that includes only 5 transactions a month, billing OSS at €50/quarter and IOSS at €40/month on top — €2,000/year in add-ons before any real sales volume. Xolo's tiers run Starter €59, Standard €99, Pro €139, Premium from €259/month, all ex VAT, with no separate setup fee and no transaction ceiling on any of them.

Getting started: registration and onboarding

Both providers file your company registration through the same Estonian Business Register, so the official timeline is identical: 2-5 business days once your e-Residency card is active and your provider submits the application, per the e-Residency Marketplace's own guidance.

Xolo's onboarding runs entirely through its dashboard: you sign the founding documents digitally, Xolo files the registration, and state fees are paid through the platform — one bill, no separate invoice to track. Enty splits this into two line items: a €60 software/setup fee plus €290 in government fees, itemized separately on your invoice.

Feature-by-feature

Dashboard and day-to-day use

Xolo wins on polish. Its dashboard is fast, clean, and built around real-time visibility into your company's financial position — invoicing, expense tracking, and tax overview in one screen. Nine years in, I still open it without friction.

Enty's dashboard leans on automation in a different way: document OCR that reads receipts and invoices automatically, and contract templates with built-in e-signing that Xolo doesn't offer at all. If you send a lot of contracts — consulting agreements, NDAs, service terms — Enty's template library is a genuine convenience Xolo doesn't match.

Banking integration

Enty wins, by one bank. Enty syncs with Wise, Revolut, LHV, and Paysera. Xolo syncs with Wise, Revolut, and LHV, but not Paysera. For most readers this doesn't matter — about 80% of e-Residents use Wise as their primary account, and both providers handle that integration cleanly. It matters only if you specifically bank with Paysera, which most e-Residents use as a backup account rather than a primary one. See the banking setup guide for the full picture across providers.

Transaction caps

This is where Xolo wins outright. Xolo doesn't meter transactions on any Leap tier — invoice as much as your business does. Enty prices every paid tier around a transaction ceiling: 30/year on Annual Reporting, 15/month on Monthly Reporting, 5/month on the e-commerce plan, with €5 charged per transaction beyond the cap.

For a business with predictable, low volume, Enty's caps are a non-issue and its lower headline price is real money saved. For anything growing — more clients, more invoices, more supplier payments — the caps turn a €51/month plan into something closer to €80-100/month once the overage fees land, without the plan ever formally changing tier.

Support responsiveness and track record

Enty's own site doesn't publish a standard first-response time. Trustpilot reviews put Enty at 4.2, with a recurring, specific complaint pattern: several reviewers describe late annual report filings, not a one-off. Xolo sits at 4.7, and in my nine years as a customer, tax questions — including a complex one about US withholding tax on a client payment — have been answered within 24-48 hours.

Track record favors Xolo by four years: operating since 2016 (as LeapIN) against Enty's 2020. That gap matters most the first time something unusual happens — an audit, a regulation change, an edge case the provider hasn't handled before.

VAT registration and annual reports

Both providers handle VAT registration and annual report filing once you're on a paid, accounting-inclusive tier — that part is table stakes across the e-Residency provider market. The differences are in caps and continuity, not capability.

On Xolo, my annual report takes about 20 minutes: my accountant prepares the filing, I review the numbers, sign digitally, and it's submitted to the Business Register. In nine years I've had zero missed deadlines and zero filing errors. Estonia's VAT threshold is €40,000 in annual turnover (source: EMTA, verified 17 July 2026), so most first-year companies aren't VAT-registered at all — exactly the segment Enty's Annual Reporting tier targets.

Enty processes the same filings on its accounting tiers, with a named personal manager included from the entry paid plan, matching Xolo on that point. What Trustpilot reviews flag isn't the process itself but timing: repeated, specific complaints about late filings rather than missed ones outright — a support-capacity signal worth weighing against the price gap.

Who should choose what

Choose Xolo if: you want no transaction ceiling as your invoice volume grows, the longer track record (nine years, since 2016), automatic Wise or Revolut sync, or a dedicated accountant from month one backed by a 4.7 rating.

Choose Enty if: your company is pre-revenue and you want a free tier to start, you bank with Paysera, you send a lot of contracts and want built-in e-signing, or your transaction count genuinely stays under 30/year and the €42 headline saving is worth it to you.

What switching costs, if you change your mind

Switching from Enty to Xolo (or the reverse) takes 2-4 weeks and doesn't touch your company itself — your OÜ, registration number, Business Register entry, and bank account stay exactly as they are. Only the service contract changes. Your old provider is required to hand over your accounting data; budget a real overlap month on both providers while the handover completes. The full breakdown, including realistic switching costs across all nine providers, is in the service provider comparison.

Disclosure, stated plainly: Xolo is an affiliate partner — if you sign up through my link, I earn a commission and you get a €100 bonus. Enty is not an affiliate partner. I earn nothing whether you choose Enty or skip this page entirely. I'm recommending Xolo because I've run my own company on it for nine years, not because it's the only one that pays.

Bottom line

If you're past the pre-revenue stage and sending more than a handful of transactions a month, Xolo Leap Starter is the safer default — the €42 you'd save on Enty's entry tier disappears the first month you exceed its cap, and it disappears for good if you don't track it closely. Enty earns its place for one narrow case: a company just starting out that wants a genuinely free software tier before committing to a paid plan, or a bank-Paysera-first founder who values that one integration over Xolo's broader track record.

Either way, you're choosing between two Estonian providers with the fundamentals covered — accounting, invoicing, VAT filing, annual reports. The question is whether you'd rather pay a flat price with no ceiling, or a lower headline price with a meter running underneath it.

Frequently asked questions

Is Enty cheaper than Xolo?

On paper, yes — Enty's Annual Reporting plan costs €1,012 in year one against Xolo Leap Starter's €1,054, a €42 difference. But Enty caps that plan at 30 transactions a year, charging €5 per extra. Exceed the cap and Enty becomes more expensive. Xolo has no transaction cap on any tier. Verified 18 July 2026.

Does Enty limit how many invoices or transactions I can process?

Yes. Enty caps transactions at 30/year on its Annual Reporting plan, 15/month on Monthly Reporting, and 5/month on its E-commerce & B2B SaaS plan, with €5 charged per transaction over the limit. Xolo does not cap transactions on any Leap tier.

Can I switch from Enty to Xolo, or the other way around?

Yes. Switching takes 2-4 weeks and doesn't affect your company, registration number, or bank account — only the service contract changes. Your old provider must hand over your accounting data. See the full switching-cost breakdown.

Does Enty have a free plan?

Yes — Enty's Starter tier is free and includes an income/expense dashboard, document OCR, two contract types, and three invoices. It doesn't include accounting service, annual report filing, or a dedicated manager, so it's not a substitute for a paid company-management plan. Xolo has no equivalent free company-management tier.

Which provider has the better track record?

Xolo, by four years and a clearer review pattern. Xolo has operated since 2016 (as LeapIN) with a 4.7 rating. Enty has operated since 2020 with a 4.2 rating, and Trustpilot reviews include repeated, specific complaints about late filings.

Continue reading

• Xolo Review — My detailed review after 9 years as a Xolo customer
• Enty Profile — Pricing, plans, and features (I haven't used it personally)
• All Service Providers Compared — The full nine-provider comparison and year-one cost table
• Choosing a Service Provider — The decision framework behind this page
• Banking Setup — Wise, Revolut, Paysera and the rest, compared