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We compared every EU business setup provider so you don't have to. Get your complete stack recommendation in under 5 minutes.

From invoicing to compliance – everything curated.

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1

Start Invoicing Your Clients

2

Open Business Bank Account

3
Optional

Accept Online Payments

4
Optional

Get Business Cards

5

Handle Accounting & Tax

Complete in 2-4 weeks
Most Popular

Quick Picks

The top 3 services most founders choose

Best for Beginners

Xolo Go

€0 + 5.9% fee

Invoice without a company

Most Popular

Xolo Leap

From €59/month

Company + accounting included

Best Banking

Wise Business

Free (pay-per-use)

40+ currencies supported

Scroll down for detailed comparisons of all options

1

Start Invoicing Your Clients

Choose based on your current situation

Xolo Services (Recommended)

Xolo Go

€0 + 5.9% fee

For Beginners

Invoice without company

  • No monthly subscription
  • Get paid in 1 business day
  • Multi-currency invoicing
  • Automatic VAT handling
Perfect for first clients

Xolo Leap

From €59/month

Most Popular
  • EU company setup in 1-2 days
  • Full accounting & bookkeeping
  • Tax filing included
  • Unlimited invoicing
  • Dedicated support team
Most SaaS founders choose this

Xolo Leap Pro

From €129/month

For Scale-ups
  • For growing businesses
  • Higher transaction volumes
  • Multi-stakeholder support
  • Investment & OSS reporting
  • Premium tier available

Not an EU resident? You may need e-Residency first.

Explore options: Estonia (€150) • Portugal (€90-299) • Ukraine (Free) • See all 8 options →

Alternative Options

Enty

From €33/month

Best Value
  • Formation from €350
  • Accounting & bookkeeping
  • Annual reporting included
  • Intuitive platform

1Office

€315 + €15/month

Local Pro
  • Local Estonian partner
  • Company in 1-2 days
  • Legal address included
  • Accounting from €75/mo

Unicount

€290 + €199/year

  • Estonia formation only
  • Virtual office in Tallinn
  • Formation includes state fee
  • E-Residency required
2

Open Your Business Bank Account

Multi-currency accounts for global operations

Wise Business

Free (pay-per-use)

Recommended
  • 40+ currencies supported
  • No monthly fees
  • Real exchange rates
  • SWIFT & SEPA transfers

Revolut Business

From $30/month

For Teams
  • Free plan available
  • Expense management
  • 25+ currencies
  • Team spending controls

Payoneer

$29.95/year

Marketplaces
  • 2,000+ marketplace integrations
  • Upwork, Fiverr, Airbnb
  • Low withdrawal fees
  • Multi-currency receiving

N26 Business

Free-€16.90/month

Germany
  • German IBAN
  • 0.1% cashback
  • Simple mobile app
  • For freelancers
3

Accept Online Payments

Optional

If you sell products/services online

Stripe

1.5% + £0.20

#1 for SaaS
  • Best for SaaS
  • Subscription billing
  • Global payment methods
  • Developer-friendly API

Mollie

1.8% + €0.25

EU Champion
  • EU-focused
  • iDEAL, Bancontact
  • Local payment methods
  • Easy integration

PayPal Business

2.9% + €0.35

Ecommerce
  • Familiar to buyers
  • Quick setup
  • Trust factor
  • E-commerce friendly

Paddle

5% + $0.50

Full Service
  • Merchant of Record
  • VAT handling included
  • Full compliance
  • SaaS-focused
4

Get Business Cards & Expense Management

Optional

Track expenses and get cashback

Wise Business Card

Included

Best Value
  • Free physical card
  • Multi-currency spending
  • ATM withdrawals
  • Low fees

Revolut Business Card

Included

  • Metal cards available
  • Cashback rewards
  • Airport lounges
  • Travel insurance

N26 Business Card

€9.90/month

  • Mastercard
  • Fast approval
  • Simple app
  • German trust

Qonto

From €9/month

  • Team cards
  • Expense management
  • Accounting integrations
  • 30-day free trial
5

Handle Accounting & Tax Compliance

Stay compliant with EU regulations

Included with Xolo Leap

Already covered

  • If using Xolo Leap
  • Full accounting included
  • Tax filing covered
  • Priority support

Xolo Books

€29/month

  • If using Enty or others
  • Add-on accounting
  • Tax filing help
  • Seamless integration

Local Accountant

€100-300/month

  • Personal assistance
  • Local expertise
  • Complex cases
  • Multi-country support
Ready-to-Use Solutions

Complete Pre-Built Stacks

Recommended combinations based on common use cases

Freelancer
Freelancer Stack
Total Investment

€0-50/month total

Complete Stack Includes:

  • Estonia e-Residency
    €150 one-time
  • Xolo Go
    €0 + 5%
  • Wise Business
    €0-20/mo
Popular Choice
SaaS Founder
SaaS Startup Stack
Total Investment

€700/year total

Complete Stack Includes:

  • Estonia e-Residency
    €150 one-time
  • Xolo Leap
    €79/mo
  • Wise Business
    €0-20/mo
  • Stripe
    1.4% + €0.25
Agency Owner
Agency Team Stack
Total Investment

€2.5k/year total

Complete Stack Includes:

  • Estonia e-Residency
    €150 one-time
  • Xolo Leap Pro
    Custom
  • Revolut Business
    €25/mo
  • Stripe
    1.4% + €0.25
  • Team tools
    €50/mo
Detailed Walkthroughs

Complete Setup Guides

Step-by-step guides for different business types

Freelancer

Freelance Designer Setup

Steps
4 steps
Time
3 weeks
Cost
< €100/year
View Complete Guide
SaaS Founder

SaaS Company Setup

Steps
5 steps
Time
4 weeks
Cost
€700-1k/year
View Complete Guide
Agency Owner

Agency Team Setup

Steps
6 steps
Time
1 month
Cost
€2.5k-4k/year
View Complete Guide
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