Accounting, invoicing and business account
from 0€/month

Start your business or organization cost-effectively with the help of AI.
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NOCFO Free all-in-one

With NOCFO Free you can get started with your business for free, or you can even run your side hustle with small change.

AI-assisted accounting

Unlimited amount of manual bookkeeping entries and five (5) AI-assisted bookkeeping entries per month.

Send and receive invoices

Unlimited amount of received email invoices and five (5) sent email invoices per month.  

NOCFO Flex business account

Flex is a business account with no monthly fees, and you pay only 0,25 € per transaction. Read more about business accounts below.

Choose an account that works

Open a business account easily and quickly online.
An account that works seamlessly in NOCFO.

NoCFO logo – Financial management on autopilot

Flex

A monthly fee-free business account is flexible to meet your business needs.
For sole proprietors and small businesses.
For Toiminimi and Oy.

0 €

/month

Payments between Holvi accounts 0.00 €/pcs
SEPA payments 0.25 €/pcs
1 Virtual Debit Card
Debit card transactions 0.00 €/pcs
Seamlessly in NOCFO

Learn more about Holvi pricing here

NoCFO logo – Financial management on autopilot

Business

A versatile and clear business account with all the delights.
For startups and SMEs.
Only for Oy.

25 €

/month

Payment account with 1% interest
100 SEPA payments per month, exceeding 0,10 €/pcs
5 SWIFT payments per month, exceeding 5,00 €/pcs
3 Traditional Debit Cards and 1 Virtual Debit Card
Seamlessly in NOCFO

Learn more about Holvi pricing here

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When Free is not enough?

Free-package is very suitable for companies who are just starting out, but at some point there may be a stage where it makes sense to switch to unlimited Plus- or Pro-packages.

Unlimited AI-assisted accounting entries

The Plus and Pro packages feature unlimited AI-assisted entries, enabling efficient and even easier accounting for all businesses.

E-archive for file management and storage

You can upload all your receipts directly to the service and attach them directly to transactions. You can also use Files to store other documents for your business.

Online invoices and automatic invoice tracking

E-invoices and Invoice Tracker can be used in paid packages. E-invoices are charged according to usage. Invoice Tracker is free.

Why Free?

NOCFO was founded to make the everyday life of small entrepreneurs easier. Our goal is to make business administration so cost-effective that financial management will never become a hurdle to entrepreneurship. Many small entrepreneurs still rely on Excel for their accounting, which easily leads to errors. NOCFO Free was created to replace Excel, and no entrepreneur will ever have to use a spreadsheet program for accounting.

The Free package's AI-assisted entries, free email invoices and a Flex bank account with no monthly fee make it much more than "a slightly better Excel". It is especially suitable for new entrepreneurs who want to start their business without large initial investments.

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Are you ready to start?

Save time and money on your accounting.