# Juuli > Juuli is a European fintech platform providing financial services for freelancers: IBAN accounts, invoicing, Visa cards, and payment solutions. Fully regulated in the EEA. ## About Juuli Juuli is a financial services platform built specifically for freelancers and independent professionals in Europe. ### Core Services - **European IBAN Account**: Personal EUR account with your own IBAN for receiving client payments - **Professional Invoicing**: Create, send, and track invoices with automatic payment reconciliation - **Visa Debit Card**: Physical and virtual cards for business expenses - **Multi-Currency Support**: Accept payments in multiple currencies with competitive FX rates - **Merchant of Record**: Tax compliance and VAT handling for global sales - **Contractor Management**: Pay and manage contractors across borders ### Key Facts - Selected for the **Visa Innovation Program** - Fully regulated European financial institution - Cards issued by Stripe Technology Europe Limited (Central Bank of Ireland regulated) - Serves freelancers across the European Economic Area (EEA) - Free to start, transparent pricing ## Pricing - **Account**: Free EUR IBAN account - **Invoicing**: Free invoice creation and sending - **Service Fee**: 4.5% on incoming payments (includes payment processing) - **FX Fee**: 2% for currency conversion - **Visa Card**: Free virtual card, physical card available - **SEPA Transfers**: Included ## Who Is Juuli For? - Freelance developers, designers, writers, consultants - Independent professionals working with international clients - Solo entrepreneurs and sole traders in Europe - Remote workers receiving payments from abroad - Digital nomads needing European banking ## Main Pages - [Homepage](https://www.juuli.com/) - Get your German IBAN, invoice clients, and manage payments. Built for European businesses and freela - [How It Works](https://www.juuli.com/how-it-works) - From signup to getting paid in three simple steps. Create account, verify identity, start invoicing. - [Pricing](https://www.juuli.com/pricing) - Simple, transparent pricing for freelancers. No hidden fees. - [Services](https://www.juuli.com/invoicing) - Create professional invoices in seconds. Send to clients worldwide, track payments, and get paid fas - [Services](https://www.juuli.com/visa-debit-card) - Get virtual Visa cards instantly and physical cards delivered. No credit check, no monthly fees. Spe - [Services](https://www.juuli.com/best-business-account-for-freelancers) - [Services](https://www.juuli.com/merchant-of-record) - [Services](https://www.juuli.com/contractor-management) - Create projects, deliver to clients globally, and get paid securely. We handle negotiations, dispute - [Services](https://www.juuli.com/invoice-without-a-company) - Send invoices as a freelancer without registering a company. Juuli handles VAT, compliance & payment - [Services](https://www.juuli.com/iban-accounts-cards) - Get your personal European IBAN and Visa debit card. Manage your money, make SEPA transfers, and pay - [Services](https://www.juuli.com/accounts) - Open a European EUR account for your sole trader business. Dedicated IBAN, SEPA and SWIFT transfers, - [Services](https://www.juuli.com/cards) - Get virtual and physical Visa debit cards for your sole trader business. Manage expenses, set spendi - [Services](https://www.juuli.com/invoicing) - Professional invoicing tools for sole traders. Create compliant invoices, accept payments, track eve - [Services](https://www.juuli.com/accounts) - European EUR account for registered businesses. Dedicated IBAN, SEPA and SWIFT transfers, multi-user - [Services](https://www.juuli.com/cards) - Issue Visa debit cards for your team. Virtual and physical cards with spending controls, real-time t - [Services](https://www.juuli.com/invoicing) - Professional B2B invoicing for businesses. Multi-currency invoices, payment tracking, accounting int ## Blog Categories - [Business](https://www.juuli.com/blog/category/business) - [Freelancer](https://www.juuli.com/blog/category/freelancer) - [Freelancers Guide](https://www.juuli.com/blog/category/freelancers-guide) - [Sole Trader](https://www.juuli.com/blog/category/sole-trader) - [Tips & Tools](https://www.juuli.com/blog/category/tips-tools) ## Recent Articles - [How to Collect Crypto Payments as a Freelancer](https://www.juuli.com/blog/how-to-collect-crypto-payments-as-a-freelancer) - Digital currencies are transforming freelance payments with global accessibility... - [Juuli Selected for Visa Innovation Program Europe – Nordics & Baltics Edition](https://www.juuli.com/blog/juuli-selected-visa-innovation-program-europe) - Juuli has been selected as one of eight high-potential fintechs for the inaugura... - [Your Work, Your Rules: Freedom to Choose Your Clients as a Freelancer](https://www.juuli.com/blog/choose-your-clients-as-a-freelancer) - Today, I want to talk about the ability to choose who we work with as a freelanc... - [Yurtdışında Şirket Kurma Rehberi: Freelancer için En İyi Seçenekler 2025](https://www.juuli.com/blog/yurtdisinda-sirket-kurma-rehberi-freelancer-icin-en-iyi-secenekler-2025) - 2025 yılında Türk freelancer'lar için yurtdışında şirket kurmak artık b... - [Why More Freelancers Are Switching to Neobanks in 2025 - And What Makes Juuli Stand Out](https://www.juuli.com/blog/why-more-freelancers-are-switching-to-neobanks-in-2025--and-what-makes-juuli-stand-out) - Discover why freelancers are moving to neobanks in 2025 and how Juuli offers sma... - [Why Freelancers Deserve Better Payment Tools](https://www.juuli.com/blog/why-freelancers-deserve-better-payment-tools) - As freelancing goes global, traditional banks fall behind. Learn why modern free... - [Why Every Freelancer Should Use a Dedicated Business Debit Card](https://www.juuli.com/blog/why-every-freelancer-should-use-a-dedicated-business-debit-card) - Struggling to track your freelance finances? See how using a business debit card... - [What is global invoicing? Navigate the World of Global Invoicing with Juuli](https://www.juuli.com/blog/what-is-global-invoicing) - Today, I'll dive into global invoicing with Juuli, exploring its importance, com... - [What is a Virtual Company? The Complete Guide to Virtual Business Operations in 2025](https://www.juuli.com/blog/what-is-a-virtual-company-the-complete-guide-to-virtual-business-operations-in-2025) - The virtual company model represents a fundamental shift in how businesses opera... - [What is Freelancing? A Complete Guide to Independent Work in 2025](https://www.juuli.com/blog/what-is-freelancing-a-complete-guide-to-independent-work-in-2025) - Discover what freelancing means in 2025. Learn the fundamentals of independent w... - [What is Freelancing: Embracing Flexibility and Freedom](https://www.juuli.com/blog/what-is-freelancing) - 🌟 I want to share with you the exciting world of freelancing, a journey where... - [What are the company benefits in the UK and how to company formation in the UK?](https://www.juuli.com/blog/what-are-the-company-benefits-in-the-uk-and-how-to-company-formation-in-the-uk) - The United Kingdom is an attractive destination for entrepreneurs and investors ... - [What You Should Know Before Meeting Your Potential Client as a Freelancer](https://www.juuli.com/blog/meeting-your-potential-client-as-a-freelancer) - Ace your first freelance client meeting with research, showcasing your unique sk... - [What Is a Sole Trader? Definition, Tax, and How It Differs From a Limited Company](https://www.juuli.com/blog/what-is-a-sole-trader-definition-tax-and-how-it-differs-from-a-limited-company) - What is a sole trader? Learn the definition, tax rules, VAT threshold, advantage... - [Using a CRM to Reach Out to Clients as a Solo Freelancer](https://www.juuli.com/blog/using-a-crm-to-reach-out-to-clients-as-a-solo-freelancer) - [Upwork Review: Is It the Right Freelance Platform for You?](https://www.juuli.com/blog/upwork-review-is-it-the-right-freelance-platform-for-you) - [Top Fiverr Alternatives You Need to Know as a Freelancer](https://www.juuli.com/blog/top-fiverr-alternatives-you-need-to-know-as-a-freelancer) - Looking for Fiverr alternatives in 2025? Discover 10 platforms with lower fees, ... - [The Ultimate SEO Toolbox for Freelancers in 2025](https://www.juuli.com/blog/the-ultimate-seo-toolbox-for-freelancers-in-2025) - [The Ultimate Guide to In-Demand Freelance Skills in 2025: Part 3](https://www.juuli.com/blog/the-ultimate-guide-to-in-demand-freelance-skills-in-2025-part-3) - Explore the future of freelancing with emerging tech and immersive media skills ... - [The Ultimate Guide to In-Demand Freelance Skills in 2025: Part 2](https://www.juuli.com/blog/the-ultimate-guide-to-in-demand-freelance-skills-in-2025-part-2) - Discover the top content creation and marketing skills freelancers need to thriv... - [The Ultimate Guide to In-Demand Freelance Skills in 2025: Part 1](https://www.juuli.com/blog/the-ultimate-guide-to-in-demand-freelance-skills-in-2025-part-1) - Discover the top 5 tech and AI freelance skills dominating 2025 — from machine... - [The Freelance Photographer's Journey: From Vision to Thriving Business](https://www.juuli.com/blog/the-freelance-photographers-journey-from-vision-to-thriving-business) - From capturing moments to building a brand, freelance photography is both an art... - [The Definitive Guide to Thriving on Freelance Writing Platforms in 2025](https://www.juuli.com/blog/the-definitive-guide-to-thriving-on-freelance-writing-platforms-in-2025) - Learn how to succeed on top freelance writing platforms in 2025 — from buildin... - [The Complete Guide to Freelancing: Understanding the Modern Independent Workforce](https://www.juuli.com/blog/the-complete-guide-to-freelancing-understanding-the-modern-independent-workforce) - [Sole Trader vs. Freelancer: Which Is Right for You?](https://www.juuli.com/blog/sole-trader-vs-freelancer-which-is-right-for-you) - [Should You Use Upwork to Find Freelancers? Let's Talk About the Fees](https://www.juuli.com/blog/should-you-use-upwork-to-find-freelancers-lets-talk-about-the-fees) - [Remote vs. Hybrid Work: Making the Right Choice for Your Career](https://www.juuli.com/blog/remote-vs-hybrid-work-making-the-right-choice-for-your-career) - The traditional 9-to-5 office model is becoming increasingly obsolete as profess... - [Portugal Cost of Living 2025: Your Complete Financial Guide for Moving to Portugal](https://www.juuli.com/blog/portugal-cost-of-living-2025-your-complete-financial-guide-for-moving-to-portugal) - Thinking about moving to Portugal? You're not alone. In 2025, Portugal continues... - [Nomad's Nook: Countries Offering Digital Nomad Visas in Europe](https://www.juuli.com/blog/countries-offering-digital-nomad-visas-in-europe) - Join me on a journey through Europe as I share my experiences and insights as a ... - [Navigating the Path to Freelance Project Management: A Comprehensive Guide](https://www.juuli.com/blog/navigating-the-path-to-freelance-project-management) - Ready to take the reins of your career and dive into the world of freelance proj... ## Frequently Asked Questions **Q: Who can open a Juuli account?** A: Freelancers and self-employed professionals residing in the European Economic Area (EEA). **Q: Is Juuli a bank?** A: Juuli partners with regulated financial institutions. Cards are issued by Stripe Technology Europe Limited, authorized by the Central Bank of Ireland. **Q: What currencies does Juuli support?** A: Primary account is in EUR. You can receive payments in multiple currencies with automatic conversion. **Q: How long does verification take?** A: Most accounts are verified within minutes. Some may require additional documentation. **Q: Are there any hidden fees?** A: No. Juuli has transparent pricing with no hidden fees. Service fee is 4.5% on incoming payments. ## For Developers - API documentation available for integrations - Webhook support for payment notifications - OAuth 2.0 authentication - REST API with JSON responses ## Contact - **Website**: https://www.juuli.com - **Email**: support@juuli.com - **App**: https://app.juuli.com - **Twitter/X**: x.com/joinjuuli - **LinkedIn**: linkedin.com/company/joinjuuli - **Instagram**: instagram.com/joinjuuli ## Legal Juuli operates within the European Economic Area. The Juuli Visa Card is issued by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland. ## Available Languages Juuli website is available in 15 languages: - [English](https://www.juuli.com/) - [Turkish](https://www.juuli.com/tr/) - [German](https://www.juuli.com/de/) - [French](https://www.juuli.com/fr/) - [Spanish](https://www.juuli.com/es/) - [Italian](https://www.juuli.com/it/) - [Dutch](https://www.juuli.com/nl/) - [Polish](https://www.juuli.com/pl/) - [Portuguese](https://www.juuli.com/pt/) - [Russian](https://www.juuli.com/ru/) - [Finnish](https://www.juuli.com/fi/) - [Swedish](https://www.juuli.com/sv/) - [Danish](https://www.juuli.com/da/) - [Norwegian](https://www.juuli.com/no/) - [Hindi](https://www.juuli.com/hi/) ## AI Resources - [Full Documentation](https://www.juuli.com/llms-full.txt) - [Q&A Database](https://www.juuli.com/ai-qa.json) - [Financial Glossary](https://www.juuli.com/ai-glossary.json) - [Competitor Comparisons](https://www.juuli.com/ai-comparisons.json) - [How-To Guides](https://www.juuli.com/ai-guides.json) - [AI Preferences](https://www.juuli.com/aipref.json) - [OpenAPI Spec](https://www.juuli.com/openapi.yaml)