Service Providers & Banking
The companies that make e-Residency work. Service providers handle your company formation and accounting. Banking partners give you the accounts to actually run your business.
Service Providers
These companies handle company formation, accounting, tax filing, and compliance for your Estonian company. You need one of them to operate.
Xolo
Personal ChoiceThe 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.
Free
Companio
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.
€89/mo
1Office
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.
€15/mo
Banking Partners
Your Estonian company needs a business bank account. These are the most popular options among e-Residents — tested and proven.
Wise
Personal ChoiceThe 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.
Free
Revolut
Personal ChoiceAll-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.
Free
LHV Pank
Personal ChoiceEstonia'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.
Free
Paysera
Personal ChoiceLithuanian 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.
Free