Europe EU
Deep tech, B2B SaaS, and hardware operators, Finland
Finland's Osakeyhtiö (Oy) has no minimum capital (the previous EUR 2,500 requirement was abolished in July 2019). PRH handles registration in roughly 5 to 14 days via YTJ, English language banking is solid at Nordea, OP, and Holvi, and the EU passport is full from day one. 80+ DTAs and EU PSD give clean repatriation.
Oy no minimum capitalPRH 5 to 14 daysEU passport
Start setup {placement} 4 min · no card required
Corp tax
20%
Fastest setup
1-3 days
Tax treaties
76
Region
Europe
What you'll need
- Resident director required
- Local registered office required
- Economic-substance test applies
- Minimum capital: No minimum capital
- Administrative language: Finnish and Swedish (English accepted in practice)
- Legal system: Civil law
Tax and treaty profile
- Corporate tax 20%
- Tax treaties 76
- VAT rate 24%
- Withholding on dividends 20%
Key treaty partners
SwedenGermanyEstoniaUKUSANetherlands
Banking and payments
- Banking takes 2 to 4 weeks with KYC
- Stripe supported
- Wise supported
- Crypto banking available
- EMI license framework available
Considerations
If you want to minimise headline tax
Finnish CIT at 20% is competitive for the EU but still above Estonia's 0% until distribution or Ireland and Cyprus at 12.5%. There is no Finnish IP Box. For lower headline regimes inside the EU:
CIT 20% no IP BoxVAT 25.5% raised 2024Headline above EU lowest