Finland
Posted to the books your accountant uses
Coded expenses post to Xero, QuickBooks Online, Sage or NetSuite with the receipt attached and the VAT in its own account. If your accountant works in Procountor or Netvisor, expenses export to Excel or CSV.
Smartbills takes the VAT from each receipt line as charged, at 25.5% or 13.5%, and keeps each purchase categorized.
VAT read from the receipt, line by line
Every line keeps the rate it was charged, 25.5%, 13.5% or 10%, with the supplier's business ID when the receipt shows it. Representation, where VAT isn't deductible, is set apart from deductible spend.
- VAT kept per line at every rate
- Representation set apart
- Foreign VAT kept apart
Receipts that arrive on their own
Receipts that arrive by email are pulled from a connected Gmail, Outlook or Zoho mailbox, and merchants on the Smartbills network send the itemized receipt at checkout. The month doesn't end with a receipt hunt, and nobody photographs a crumpled receipt on the way home.
- Emailed receipts and invoices pulled from the mailbox
- Digital receipts from merchants on the network
- Matched to the card or bank line when it clears
Why teams switch
The tax is on the receipt, not the card statement.
Our bookkeeping still assumes 14% on restaurant bills.
VAT comes from each line of the receipt, so the 13.5% rate is recorded as charged.
Entertainment VAT keeps ending up in our deduction.
Each line keeps its category. Representation is set apart before the return.
Receipts from Tallinn and Stockholm come back with foreign VAT mixed in.
Foreign receipts keep their own country and rate, apart from Finnish input VAT.
Before and after
What changes on a Finnish receipt.
Restaurant VAT dropped to 13.5% in 2026 and entertainment VAT isn't deductible. A spreadsheet set up in 2025 gets both wrong.
| Capability | Card statement and photos | With Smartbills |
|---|---|---|
| VAT on a restaurant bill | 14%, as before | 13.5%, as charged since 2026 |
| Entertainment VAT | Deducted by mistake | Set apart |
| Estonian VAT from a trip | Mixed into the return | Kept apart |
| Getting receipts in | Photos at month end | From the mailbox or the merchant |
Integrations
Works with the tools you already use.
Your accounting software, bank feeds and card program, with data syncing in both directions.
- QuickBooks
- Xero
- Sage
- FreshBooks
- Wave
- MYOB
- Zoho Books
- NetSuite
- SAP
- Oracle
- Dynamics 365
- Square
- Shopify
- Clover
- Toast
- Lightspeed
- WooCommerce
- Stripe
- PayPal
- Adyen
- Wise
- Plaid
- Chase
- Bank of America
- Wells Fargo
- RBC
- TD
- BMO
- Scotiabank
- Desjardins
- Brex
- Ramp
- Float
- Mercury
- Gusto
- ADP
- Deel
- Rippling
- Google Drive
- Dropbox
- OneDrive
- Box
- Gmail
- Outlook
- Google Analytics
- Snowflake
- Looker
- Databricks
- Google Cloud
- Metabase
- Slack
- Microsoft Teams
- Notion
- Zapier
- Airtable
- Salesforce
- HubSpot
The products that do the work.
Each product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
Expense management
Capture receipts, categorize expenses and check policy compliance as expenses are submitted.
Expense reports
Expense report software that attaches the receipts for you, works out mileage, routes the approval and shows each employee when they'll be paid back.
Email receipt capture
Connect Gmail, Outlook, Zoho Mail or IMAP. Automatically collect receipts and invoices from the folders you choose, including Archive and Spam.
Accounting automation
Accounting automation software that codes each transaction and posts the journal entry to your accounting software the day it happens.
FAQ
Frequently asked questions
What people ask us before they sign up.
25.5% standard rate since September 2024, 13.5% since January 1, 2026 on items such as food, restaurant meals, hotel stays, medicines and books, and 10% on a small number of other items.
No. VAT on representation, such as meals and gifts for clients, isn't deductible in Finland. Smartbills keeps each purchase categorized so those lines are set apart.
Not on the Finnish return. VAT charged in another EU country can only be recovered through the EU refund procedure. Smartbills keeps foreign receipts apart.
Xero, QuickBooks Online, Sage and NetSuite, with two-way sync. If your accountant works in Procountor, Netvisor or other software, coded expenses export to Excel or CSV.
Yes. You invite your accountant with their own access, and a firm that manages many clients sees them all from one login, entities included.
Your data is stored in Canada, which the European Union recognizes as providing adequate data protection, and we don't sell it. Access is limited to the people you invite.
Get started
See a month of Finnish receipts at the right rates.
Connect a mailbox and a card. Each restaurant bill comes in at the rate it was charged, and entertainment VAT stays out of the deduction.