The e-Residency Tool Stack

The modern way to run your Estonian company

Xolo (formerly LeapIN) is the most popular service provider for e-Residents, with 10,000+ companies managed. Their platform handles company formation, accounting, invoicing, and compliance — all in one dashboard. Xolo Go lets freelancers invoice EU clients without a company; Xolo Leap is the full Estonian OÜ package with a dedicated personal accountant.

Affordable Estonian company management

Companio offers a straightforward path to running an Estonian company with flat monthly plans. Based in Barcelona, they provide accounting, tax filing, and company management. Their Spanish-language dashboard makes them popular with LatAm entrepreneurs. Good option for entrepreneurs who want predictable, all-inclusive pricing.

Full-service Estonian business management with legal support

1Office is an Estonian company offering the most comprehensive service package — company formation, legal address, accounting, trademark registration, and physical office space in Tallinn. They take a traditional, hands-on approach with notarial services and legal counsel. Best for entrepreneurs who need more than just bookkeeping.

Formation, accounting, contracts and legal address in one subscription

Enty bundles what most e-Residents otherwise buy from three separate vendors: company formation, a legal address with contact person, monthly accounting with a personal manager, plus contract templates with e-signing and unlimited invoicing. Its real advantage over Estonian accounting software is that it connects to the accounts e-Residents actually use — Wise, Revolut, LHV, Paysera. Its real weakness is the transaction caps, which are low enough that the list price rarely matches the bill.

The legal address and contact person your OÜ is required to have

If no board member of your Estonian company lives in Estonia, the Commercial Register Act requires you to appoint a licensed contact person and hold an Estonian legal address. This is not optional and cannot be done yourself — the contact person must be a notary, law office, sworn auditor or licensed trust and company service provider. Dalanta OÜ sells exactly that, bundled, at €124/year plus VAT. Official mail is scanned and emailed to you. Nothing else is included, which is the point.

The international account for your Estonian company

Wise (formerly TransferWise, founded by Estonian developers) is the go-to banking solution for e-Residents — about 80% use it as their primary business account. Multi-currency accounts in 50+ currencies, transfers at the mid-market rate with 0.4-0.6% fees, and seamless auto-sync with Xolo and Companio. Belgian IBAN (BE prefix) works across the entire SEPA zone.

All-in-one business finance with EU banking license

Revolut Business offers a full-featured business account with multi-currency support, expense management, and unlimited virtual cards. Since 2023, Revolut holds a European full banking license via its Lithuanian subsidiary — meaning deposit insurance up to €100,000 for EU accounts. Popular among e-Residents as a secondary account alongside Wise, especially for card payments and expense tracking.

Estonia's own bank — the original e-Resident banking partner

LHV is the only major Estonian bank that actively works with e-Residents. Founded in Tallinn, it's also the bank that powers Wise's European payment infrastructure. LHV offers fee-free SEPA transfers, no account maintenance fees, and an Estonian IBAN (EE prefix). The catch: account opening requires in-person identification in Estonia, and approval rates for non-residents have dropped significantly since 2020.

Lithuanian payment institution — fast, cheap, reliable backup

Paysera is a Lithuanian payment institution regulated by the Bank of Lithuania since 2004. It offers business accounts with a Lithuanian IBAN, low SEPA fees (€0.15 per transfer), and fast account opening (1 day). Paysera lacks the multi-currency depth of Wise and has no integration with e-Residency service providers — but it works well as a backup account for when your primary provider has compliance delays.

Estonia's standard accounting software, priced like an afterthought

Merit Aktiva is the accounting software most Estonian companies actually run on — 83,000+ of them. It files your KMD VAT declaration directly with the e-Tax Board, exports the annual report in XBRL, and pulls transactions straight from LHV, Swedbank, SEB and Coop. This is software, not a service: there is no accountant attached. It suits e-Residents who want to keep their own books cheaply instead of paying a full-service provider every month.