#1 Best Umbrella Company in 2025 🏆
Invoicing Without a Company made easy
For a 1.95% fee, we handle all of your administration.
The most cost-effective self-employment solution in Sweden.
Perfect for freelancers and consultants
For those who want to get paid for their services but don’t have a company
Utbetalning.com operates with no fixed or hidden fees. Become self-employed and send your invoices through us — you’ll receive your payments as net salary while we handle all administration and pay all applicable taxes.
Enkelt, säkert & snabbt
Skapa konto med BankID, skicka fakturor & få nettolön på ditt konto inom 1 timme efter kundens betalning.
We’re here for you
Our support is available every day from 9 AM to 11 PM. You can chat, call, or email us – and you'll get a response within minutes.
Bill your clients through us
Get paid via Bankgiro, Swish, or bank transfer. Add your own logo to invoices and choose from different VAT rates.
Secure and reliable
We are a Swedish company with local staff and full insurance coverage. All payments are processed through Swedbank.
Send international invoices
Send invoices to 47 countries in 8 currencies, with automatic conversion to SEK at the best available exchange rate.
Personal expenses
You can easily upload your expenses in the system and receive tax-free reimbursement for mileage and per diems.
Compare us! No one beats our terms
In 2025, Utbetalning.com outperformed all competitors and received top ratings in all 13 comparison categories according to Fakturerautanföretag.se!
Compare our net salary and fees to other providers
What some of our 500+ users are saying
A service that's easy to use for those without their own company. I don't have to worry about taxes and various fees – everything is handled through the service.
Are you ready?
Utbetalning.com is suitable for most freelancers and consultants, with very few limitations in terms of profession.
Here’s how easy it is to create an account on Utbetalning.com and send invoices without having your own company.
Sign up using BankID
Dashboard
Start invoicing
Send your invoice
View sample invoice
View payslip
Get started
Register here
You create an account with BankID and get started in 1 minute. Welcome!
Exactly! And we have 3 times lower fees - and rank highest of all self-employed companies in Sweden according to Fakturerautanföretag.se.
Our low fee gives you an additional +8.72% in net salary paid to your account. 8.72% x 12 months equals an extra 1.05 months' salary per year. This means more than a full 13th salary.
With us, you have the opportunity to include your own logo on the invoice sent to the client at no additional cost! If you do not upload your own logo, our logo will be displayed instead. Examples are in Swedish, but invoices can also be sent in English.
Utbetalning Sverige AB offers comprehensive insurance coverage.
This includes, for example, insurance for general liability and product liability up to 10,000,000 SEK per incident, and consultant liability up to 2,000,000 SEK. Please feel free to review the insurance policies below.
- See Liability Insurance (PDF)
- See Accident Insurance (PDF)
There is no lower limit for invoicing.
We pay out your salary as soon as we receive the client's payment. On average, our users have the money in their account within 60 minutes. Other providers typically take 24 to 72 hours.
We apply a minimum payroll threshold for users who typically submit lower-value invoices. In such cases, we will process your payroll payment when either of the following occurs first: your paid invoices reach SEK 3,000 (excluding VAT), or the 25th of the month.