Comparison
Truster or UKKO.fi?
Truster
- Service fee (light entrepreneur)
- 3.99% of invoicing or €55/monthSource
- Truster Turva (accident, liability and legal insurance)
- Included in the monthly packageSource
- Fast pay
- HetiPalkka 5%/invoice (before the due date) · Pikamaksu €25/paymentSource
- Invoice monitoring
- Maksuvahti €1.99/invoiceSource
- Expenses, mileage and per diems
- Logged in the app, factored into your pay automaticallySource
Verified on 24 July 2026
UKKO.fi
- Service fee (light entrepreneurship)
- 5% of invoicingSource
- UKKO Turva (mandatory for all light entrepreneurs)
- +3% of the invoiced amount — 8% in totalSource
- Fast pay
- Salamapalkka €15/use (on a paid invoice)Source
- Sole proprietorship service
- ToiminimiLITE €24.90/month +VAT (invoicing capped at €400/month) · Toiminimi €79.90/month +VATSource
Verified on 24 July 2026
What does the difference mean in euros?
Take a €2,000 invoice (excluding VAT) as an example. With UKKO.fi, the service fee is €100 (5%) plus the mandatory UKKO Turva of €60 (3%) — €160 in total. With Truster's commission model, you'd pay €79.80 (3.99%). If you invoice regularly, Truster's flat €55/month rate covers your entire month's invoicing with no commission at all.
When you need your money fast: UKKO's Salamapalkka (€15/use) speeds up payout of an invoice that's already been paid. Truster's equivalent is Pikamaksu (€25/payment) — plus HetiPalkka (5%/invoice), which pays you before your customer has even paid the invoice. There's no comparable product in UKKO's price list.
For sole proprietorships, the difference is structural: UKKO's cheaper ToiminimiLITE (€24.90/month +VAT) is capped at €400 in monthly invoicing, while the unlimited package costs €79.90/month +VAT. Truster's sole proprietorship service is 3.99% or €59/month with no invoicing cap — and with the Own Account model (€59.90/month), invoices are paid straight into your own bank account.
The figures in this comparison were checked against each service's own public pricing pages on 24 July 2026, and the source is noted next to each figure. Prices and terms may change — always check the provider's own site for the latest information. Promotional prices are not included in this comparison. Some providers list their prices excluding VAT; this is noted wherever the provider states it that way.
Frequently asked questions about this comparison
What makes up UKKO.fi's total price?
According to UKKO.fi's price list, the service fee is 5% of invoicing, and all light entrepreneurs are additionally charged UKKO Turva, 3% of the invoiced amount. So the total cost for a light entrepreneur is 8% of invoicing.
How do I switch from UKKO.fi to Truster?
Download the app and identify yourself with your online banking credentials — your account is ready in minutes, and switching from your old service requires no action on Truster's part. You can add your customer via a business registry search in seconds, and start invoicing the same day.
Is the comparison up to date?
The figures were checked on 24 July 2026 against both services' own pricing pages, and the sources are noted next to each figure. If you notice a price has changed, let us know — we'll correct the comparison.
Try Truster — no commitments
The account is free and comes with no obligations. You only pay when you invoice.