Companio offers different service plans adapted to each jurisdiction, depending on the type of entity, local tax obligations, and the level of support required. All plans include access to our digital platform and professional assistance from our accounting and legal teams. Below are the available plans per country.
Accounting in Estonia
Until March 31, 2026, certain pricing components were calculated based on the number of invoices issued or received by the Client. From April 1, 2026, Companio applies a transaction-based model for Estonian plans.
From April 1, 2026, Pro and Premium Plans include up to one thousand (1,000) transactions per calendar month.
If a Client exceeds one thousand (1,000) transactions in a given month, the Client will be required to upgrade to the Ultra Plan or will be subject to additional charges calculated in accordance with the pricing logic published on Companio’s pricing page.
The transaction-based model replaces the previous invoice-based pricing logic.
For companies incorporated in Estonia, Companio offers the following plans:
Pro Plan
Applicability of plan conditions: The conditions described below apply to services provided until March 31, 2026. From April 1, 2026, updated limits and pricing conditions apply as specified below.
The Pro Plan is designed for Estonian-registered digital companies with simple operational structures and no exposure to cryptocurrencies or complex financial activities. It offers a complete accounting solution for growing businesses that match the standard profile of an e-company in the European Union.
Included:
- Monthly bookkeeping and tax compliance.
- Filing of VAT and TSD declarations.
- Legal address and contact person in Estonia.
- Full access to the all-in-one accounting dashboard.
- Automated bank reconciliation.
- Multi-currency support.
- Personal or corporate loans.
- Hiring and payment of freelancers.
- Annual Report (+€250/year).
- International payroll management (requires Companio Work add-on).
- +€129 per Board Member salary (applicable to services provided until March 31, 2026). From April 1, 2026: €89 per Board Member salary.
Please note: Receiving a Board Member salary while being a tax resident in another country may not comply with local laws. Companio is not responsible for any legal or tax issues resulting from non-compliance. For a fully compliant solution, consider using Companio Work.
Limitations:
- Maximum of three (3) corporate bank accounts (must be from Companio’s list of supported banks).
- Cryptocurrencies are not allowed in any form (payments, receipts, holdings, or investments).
- Investments in platforms such as Interactive Brokers, eToro, or Mintos are not permitted.
- Amazon FBA, dropshipping, and OSS are not supported under this plan.
- Donations and entertainment expenses are not deductible.
- CSV import and sales import are not supported under the Pro Plan.
- Transaction limit (effective from April 1, 2026): The Pro Plan includes up to one thousand (1,000) transactions per calendar month. If this limit is exceeded, the Client must upgrade to the Ultra Plan or accept additional charges as defined in the applicable pricing structure.
Premium Plan
Applicability of plan conditions: The conditions described below apply to services provided until March 31, 2026. From April 1, 2026, updated limits and pricing conditions apply as specified below.
The Premium Plan is designed for digital companies with greater operational complexity, such as those managing cryptocurrencies, e-commerce (Amazon FBA/FBM), dropshipping, or investment activities.
Included:
- All services included in the Pro Plan.
- Compatible with Amazon FBA, dropshipping, OSS, marketplaces, and investment platforms.
- Unlimited corporate bank accounts from the list of supported banks (applicable to services provided until March 31, 2026). From April 1, 2026: Maximum of five (5) corporate bank accounts from the list of supported banks. Additional bank accounts require the Ultra Plan.
- Supports operations involving crypto assets (trading, payments, staking, etc.). The Premium Plan allows Clients to carry out certain cryptocurrency transactions as part of their business activity. This includes operations such as paying for goods/services using cryptocurrencies, receiving customer payments in cryptocurrencies, or investing in crypto through exchange platforms supported on the list of approved CryptoWallets. From April 1, 2026, cryptocurrency bank accounts, crypto exchanges, and investment platforms count toward the total bank account limit under the Premium Plan.
- Donations are accepted as deductible business expenses.
- CSV import and structured sales import.
- +€99 per Board Member salary (applicable to services provided until March 31, 2026). From April 1, 2026: €59 per Board Member salary.
Please note: Receiving a Board Member salary while being a tax resident in another country may not comply with local laws. Companio is not responsible for any legal or tax issues resulting from non-compliance. For a fully compliant solution, consider using Companio Work.
Limitations:
- Entertainment expenses are excluded from deductible accounting treatment.
- Transaction limit (effective from April 1, 2026): The Premium Plan includes up to one thousand (1,000) transactions per calendar month. If this limit is exceeded, the Client must upgrade to the Ultra Plan or accept additional charges as defined in the applicable pricing structure.
Ultra Plan
Applicability of plan conditions: Effective from April 1, 2026.
The Ultra Plan is designed for Estonian companies with high operational complexity. This plan applies to Clients whose transaction volume, banking structure, or operational model exceeds the limits of the Pro or Premium Plans.
Pricing under the Ultra Plan is variable and depends on the number of transactions recorded per calendar month, in accordance with the pricing calculator published on Companio’s pricing page.
Included:
- All services included in the Premium Plan.
- More than five (5) corporate bank accounts from the list of supported banks.
- Supports operations involving crypto assets (trading, payments, staking, etc.). The Ultra Plan allows Clients to carry out certain cryptocurrency transactions as part of their business activity. This includes operations such as paying for goods/services using cryptocurrencies, receiving customer payments in cryptocurrencies, or investing in crypto through exchange platforms supported on the list of approved CryptoWallets. Cryptocurrency bank accounts, crypto exchanges, and investment platforms count toward the total bank account limit under the Ultra Plan.
- +€59 per Board Member salary.
Please note: Receiving a Board Member salary while being a tax resident in another country may not comply with local laws. Companio is not responsible for any legal or tax issues resulting from non-compliance. For a fully compliant solution, consider using Companio Work.
Limitations:
- Entertainment expenses are excluded from deductible accounting treatment.
Pricing Structure:
Pricing under the Ultra Plan is determined by the number of accounting transactions recorded in a given calendar month.
- The monthly fee is calculated based on the transaction volume using the pricing calculator published on Companio’s pricing page.
- The minimum monthly fee under the Ultra Plan shall not be lower than the equivalent fee applicable to one thousand (1,000) transactions.
- Companio reserves the right to reclassify a Client under the Ultra Plan if transaction volume or operational complexity consistently exceeds the limits of lower-tier plans.
Annual Report
Companio offers the service of preparing and submitting the Annual Report for companies registered in Estonia, in accordance with the Estonian Commercial Code and other applicable regulations.
This service is not included in the monthly plans and must be purchased separately.
The service includes:
- Review of the financial information provided by the Client.
- Preparation of the Annual Report based on that information.
- Submission of the Annual Report to the Estonian Business Register.
The service does not include external audits, tax advisory, or assistance with requirements from authorities after the report has been submitted.
Fees and payment terms
- Reduced fee: €250 + VAT — if payment is made before March 31 of the filing year.
- Standard fee: €500 + VAT — if payment is made between April 1 and June 30 of the filing year.
- Late fee: €1000 + VAT — if payment is made after June 30 of the filing year.
To be eligible for the reduced fee, the Client must have been an active user of a Companio monthly plan for the entire financial year to which the report refers.
Payment must be made in full before the preparation of the report begins. All payments are non-refundable, even if the Client fails to provide the necessary information or does not respond to Companio’s requests to complete the service.
Additional fees for missing documents
For reports submitted after the deadline (after June 30th), an additional fee will apply for each document not uploaded during its corresponding month, if the total number of missing documents exceeds 100. These fees cover the extra work required for the retroactive reconciliation of accounting periods.
Submission in case of incomplete information by June 1st
If by June 1st the Client has not provided, through the Dashboard, the additional information requested by our accounting team for specific documents or transactions, Companio reserves the right to proceed with the preparation and submission of the Annual Report using only the information currently available. This action is taken to prevent the company from being removed from the Estonian Business Register due to failure to file the report by June 30. In such cases, Companio shall not be held liable for any inconsistencies, omissions, or consequences resulting from the incomplete information provided by the Client.
Additional Fees for Documents/Transactions
Companio reserves the right to apply an additional fee if, for the submission of the Annual Report, the number of pending documents exceeds 100. This additional fee will be proportional to the number of pending documents and calculated according to the current pricing table.
This additional fee will only apply to clients who pay for the Annual Report after the deadline (after June 30). These fees are meant to compensate for the extra work involved in the retroactive reconciliation of accounting periods.
Additional Processing Fee and Plan Upgrade for Unsupported Bank or Crypto Accounts
If the client connects or uses a corporate bank account or CryptoWallet that is not included in Companio’s list of supported banks and crypto platforms, an additional processing fee applies. This fee is calculated based on the number of transactions, as per the corresponding range in the current pricing table. These transactions will be counted as documents to calculate the monthly fee.
In cases where manual processing is required due to unsupported platforms, and the workload exceeds the standard accounting scope, the client’s company will be notified and given the option to connect a supported integration. If no change is made, the company will be automatically migrated to the Premium Plan starting from the following month to cover the cost of additional work.
The client is responsible for providing accurate monthly or annual transaction statements from unsupported platforms when requested by Companio.
Business Travel and Daily Allowance
When business travel is required for board members, contractors, or employees hired through Companio Work (EOR), certain limitations apply depending on the traveler’s role:
- Board members are eligible for a daily allowance, subject to Estonian tax regulations. A valid business justification and supporting documentation (e.g., meeting agenda, conference registration) must be provided.
- Contractors can only be reimbursed for travel and accommodation expenses, if agreed in advance and if the right to travel is explicitly stated in their service contract. Any other costs must be pre-approved and invoiced separately.
- EOR employees may only have travel and accommodation expenses covered. No additional costs or reimbursements are allowed, and they cannot issue invoices to the client. The company is allowed to send these employees on business trips, provided that the trip details are agreed upon in advance.
Companio does not manage or intervene in individual agreements related to business travel. It is the client’s responsibility to ensure that all travel details are aligned with contractual obligations and tax requirements prior to registration on the platform.
Accounting in Spain for Freelancers ("Autónomos")
Until March 31, 2026, certain pricing components were calculated based on the number of invoices processed per month. From April 1, 2026, Companio applies a transaction-based model for Spanish plans.
From April 1, 2026, Start and Global Plans include up to one thousand (1,000) transactions per calendar month.
If a Client exceeds one thousand (1,000) transactions in a given month, the Client will be required to upgrade to the Team Plan or will be subject to additional charges calculated in accordance with the pricing logic published on Companio’s pricing page.
The transaction-based model replaces the previous document-based pricing logic.
For self-employed professionals registered in Spain, Companio offers three service plans designed to adapt to the volume of activity, number of documents, and operational complexity of each client. All plans include access to the digital platform, monthly tax management, and professional support.
Start Plan
Applicability of plan conditions: The conditions described below apply to services provided until March 31, 2026. From April 1, 2026, updated limits and pricing conditions apply as specified below.
The Start Plan is intended for freelancers starting their activity or managing a low volume of operations.
Included:
- Free registration as a freelancer (if required).
- Quarterly VAT returns.
- Filing of all applicable tax forms (130, 303, 111, 115, 347, 349, and 390).
- Issuance of invoices to clients in any country and currency.
- VAT returns and VIES registration.
Limitations:
- Only one registered professional activity.
- Up to 20 documents per month (applicable to services provided until March 31, 2026). From April 1, 2026: The Start Plan includes up to one thousand (1,000) transactions per calendar month.
- Up to three (3) bank accounts from the list of supported banks (effective from April 1, 2026).
- Cryptocurrency bank accounts, crypto exchanges, and investment platforms are not supported under the Start Plan (effective from April 1, 2026).
- If the transaction limit is exceeded, the Client must upgrade to the Team Plan or accept additional charges as defined in the applicable pricing structure (effective from April 1, 2026).
Global Plan
Applicability of plan conditions: The conditions described below apply to services provided until March 31, 2026. From April 1, 2026, updated limits and pricing conditions apply as specified below.
The Global Plan is aimed at freelancers with a higher administrative workload or who run more than one business line.
Included:
- All services included in the Start Plan.
- Up to two registered activities.
- Free tax consulting and tax optimization (15 minutes/month).
- Assistance with tax coordination if the Client also has a company registered in Estonia with Companio.
- Compatible with OSS, Amazon FBA, marketplaces, cryptocurrency operations, crypto exchanges, and approved investment platforms (effective from April 1, 2026).
- Cryptocurrency bank accounts, crypto exchanges, and investment platforms count toward the total bank account limit under the Global Plan (effective from April 1, 2026).
Limitations:
- Up to 50 documents per month (applicable to services provided until March 31, 2026). From April 1, 2026: The Global Plan includes up to one thousand (1,000) transactions per calendar month.
- Up to five (5) bank accounts from the list of supported banks (effective from April 1, 2026).
- If the transaction limit is exceeded, the Client must upgrade to the Team Plan or accept additional charges as defined in the applicable pricing structure.
Team Plan
Applicability of plan conditions: The conditions described below apply to services provided until March 31, 2026. From April 1, 2026, updated limits and pricing conditions apply as specified below.
The Team Plan is designed for freelancers with more complex operations, collaborative structures, or international talent management.
Included:
- All services included in the Global Plan.
- Up to three registered professional activities.
- Multi-user access.
- Extended free tax consulting (30 minutes/month).
- International payroll management (requires Companio Work add-on).
- More than five (5) bank accounts from the list of supported banks (effective from April 1, 2026).
- Cryptocurrency bank accounts, crypto exchanges, and investment platforms count toward the total bank account limit under the Global Plan (effective from April 1, 2026).
Limitations:
- Up to 100 documents per month (applicable to services provided until March 31, 2026). From April 1, 2026, pricing is determined based on the number of transactions recorded per calendar month.
- The minimum monthly fee under the Team Plan shall not be lower than the equivalent fee applicable to one thousand (1,000) transactions.
- Companio reserves the right to reclassify a Client under the Team Plan if transaction volume or operational complexity consistently exceeds the limits of lower-tier plans.