Accounting, invoicing and business account
from 0€/month

Start your business or organization cost-effectively with the help of AI.
Mockup of NOCFO web app and mobile app

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 double-entry accounting

Manage your bookkeeping with just swiping in the AI-powered NoCFO mobile app. Limited to only 8 events per month.

Send and receive invoices

Unlimited sending and received email invoices. E-invoices cost 0,70 €/invoice for receiving and sending, but paying them in NoCFO is free of charge.

NoCFO Flex business account

Flex Business Account is a completely monthly free business account where you only pay €0.25/transaction for use. 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
SWIFT-payments 6 €/pcs
1 user
Seamlessly in NoCFO without bank connection cost (from Holvi 6 €/month)

Vain uusille Holvin asiakkaille.
Tutustu hinnastoon tästä.

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

10 IBAN accounts and 5 payment accounts with 1,5 % interest
500 SEPA payments per month, exceeding 0,10 €/pcs
5 SWIFT payments per month, exceeding 5,00 €/pcs
5 Traditional Debit Cards and 20 Virtual Debit Card
Unlimited users

Vain uusille Holvin asiakkaille.
Tutustu hinnastoon tästä.

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Saanko tarvittaessa tukea?

Vaikka tekisit kirjanpidon itse, et jää koskaan ilman tukea.

Within one business day answers from chat support from real people

Contact our support team directly through the chat in the app for help with accounting or using the program.

Support Add-on

The Support Add-on  includes unlimited support via remote meetings. Use support as often and as much as you need in both day-to-day accounting and end-of-the year questions.

Comprehensive guide for all cases

Access to a wide range of articles and guides covering different areas of NoCFO as well as practical accounting problems.

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.