#1 Best Umbrella Company in 2025 🏆
Invoicing Without a Company made easy
For a fee of just 1.45% to 1.95%, we handle all your administration and provide insurance coverage. This is the most affordable umbrella employment service 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.
Simple, secure & fast
Create an account with BankID, send invoices & receive your net salary in your account within 1 hour after your client’s payment.
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 1 000+ 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.
Get started
Register here
You create an account with BankID and get started in 1 minute. Welcome!
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 minimum invoicing limit. Our service is best suited for those who invoice at least SEK 3,000 per month.
We pay out your salary as soon as the client’s payment is received. On average, our users have the funds in their account within 60 minutes, medan andra aktörer ofta tar 24–72 timmar.
Om du vanligtvis skickar fakturor av mindre belopp gäller en lägsta gräns för löneutbetalning. Då betalar vi ut lönen när det som inträffar först sker – antingen när dina fakturor tillsammans når 3 000 kr exkl. moms eller den 25:e i månaden.