Invoiceferry

Invoice template for Finland

Set up for Finnish businesses: euros, ALV at the current rates, your business ID (Y-tunnus) and a Finnish reference number (viitenumero) built from the invoice number.

No sign-up. Your invoices and client data stay on your device.

Skip to the finland invoice editor

How to use this finland invoice

  1. Add your business name, address and Y-tunnus; for EU sales add your VAT number (FI + Y-tunnus without the hyphen).
  2. Add your client and their Y-tunnus or VAT number for business sales.
  3. List goods or services and choose ALV 25.5%, 13.5% or 10%.
  4. Add your IBAN; the reference number (viitenumero) is generated from the invoice number.
  5. Download the PDF, or send a verkkolasku if the buyer asks for one.

What a Finnish invoice must include

  • Issue date and a unique sequential number.
  • Your Y-tunnus (business ID) or VAT number, and the buyer’s VAT number for reverse charge and EU sales.
  • Seller and buyer names and addresses, the delivery date.
  • Quantity and description, the taxable amount per rate, the ALV rate and amount.
  • If no VAT is charged, the reason, for example the small business exemption.

Keep invoices (vouchers) for at least six years after the end of the year in which the financial period ended. Check Vero for details.

ALV rates in 2026

  • 25.5%: general rate since 1 September 2024.
  • 13.5%: food, restaurants, accommodation, passenger transport, books and medicines, from 1 January 2026 (previously 14%).
  • 10%: newspapers and magazines and some other items.

Businesses with turnover up to €20,000 a year do not have to register for VAT. Check the current rates and lists on vero.fi before relying on them.

Reference numbers and e-invoices (verkkolasku)

Finnish payers enter a viitenumero, a reference number with a check digit, so the payment matches the invoice. The template creates one from the invoice number; you can also use the international RF format. Finnish B2B invoicing is largely electronic: under Finnish law a business buyer can demand an e-invoice (verkkolasku) from a supplier, in the European standard format, unless the seller is a very small business. Common formats are Finvoice, TEAPPSXML and Peppol BIS 3.0. Invoiceferry can download Peppol BIS 3.0 XML but does not send it; you need an e-invoicing operator or your bank. Public buyers require e-invoices.

Your business
PNG, JPG, WebP or SVG.

Remembered for your next document.

Bill to
Details

Counts up automatically. You can edit it.

e.g. “Tax invoice”, “Estimate”.

When the work was done or the goods delivered, if not the issue date. Required in Poland (data sprzedaży).

Type a code or name, e.g. EUR or shilling.

How amounts and dates are written on the document.

Line items
Tax, discount & shipping
Tax
More: pension contribution, recargo, ROT/RUT

Italy: rivalsa INPS (4 %) or a professional fund’s contribution, added to the net amount and taxed with it.

Sweden: mark the labour lines with “Mark as labour” in each line’s ⋯ menu. The deduction is worked out on labour including VAT and taken off the amount to pay. Add the buyer’s personnummer (and fastighetsbeteckning for ROT) in the notes.

Tax is calculated after the discount; shipping is added untaxed. Withholding tax (such as Spain’s IRPF or Italy’s ritenuta d’acconto) is taken off the amount your client pays you. Tax rules differ by country — check which rates and details apply to you.

Payment & notes

Made from the invoice number and printed on the invoice, so your bank can match the payment.

Poland: VAT on a foreign-currency invoice is also shown in złoty, at the NBP average rate from the last business day before the date of supply.

 

E-invoice (XML)

Fill these in to download your invoice as an e-invoice (XML). Empty fields are taken from the details above where possible.

Ask your client which format they accept. Belgian businesses receive e-invoices through Peppol from 2026.

Your business

Scheme and number, e.g. 0208 + your Belgian company number. Needed for Peppol.

Bill to

Required by XRechnung. For public authorities, their Leitweg-ID; for businesses, the reference or order number they gave you.

Only needed when you don’t charge VAT.

Leave empty to use the standard wording.

Italy (FatturaPA)

7 characters from your client. Use 0000000 with a PEC address, or for private individuals.

Needed for private individuals without a Partita IVA.

Only used when you set a withholding rate under Tax.

Free beta
Design
Paper size

Opens your browser’s print dialog — choose Save as PDF.

Live preview A4
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Your documents

Dashboard, reminders & repeating invoices

    Frequently asked questions

    What is the standard VAT rate in Finland?

    25.5% since 1 September 2024. The main reduced rate is 13.5% from 2026, with 10% for a few items.

    What is a Y-tunnus?

    The Finnish business ID, seven digits, a hyphen and a check digit. Your EU VAT number is FI followed by the Y-tunnus without the hyphen.

    What is a viitenumero?

    A Finnish payment reference with a check digit. The payer enters it in their bank so the payment is matched automatically. The template generates it for you.

    Can my business customer demand an e-invoice?

    Yes. Under Finnish law a business or public buyer can require an e-invoice in the European standard, with an exception for very small sellers. Check the threshold with Vero or your accountant.

    Does Invoiceferry send Finvoice invoices?

    No. It can download a Peppol BIS 3.0 XML file, but sending verkkolasku requires an e-invoicing operator or your bank’s service.

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