Business accounts: Estonia
An honest assessment before work starts, the quote is fixed in writing.
We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, and careful preparation improves the odds.
We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.
Estonian company taxes
| What is taxed | Rate 2026 |
|---|---|
| Retained profit | 0% |
| Dividends and other distributions | 22/78 of the payout, i.e. 22% of pre-tax profit |
| VAT | 24%, registration from €40,000 turnover since the start of the year |
While profit stays in the company, in accounts, equipment or securities, there is no tax. The reduced 14/86 rate for regular dividends was abolished from 2025. From €100,000 of profit the owner receives €78,000.
E-residency and the account
E-residency lets you run an Estonian company remotely but gives neither the right to live in Estonia nor tax status: the owner almost always remains resident where they live. Banks expect the company to have a link to Estonia: clients, staff or activity in the country. A tax resident is someone who spent 183 days or more in Estonia in 12 months.
Staff and VAT
Income tax of 22% is withheld from salary with the €700 monthly basic exemption, and the employer pays 33% social tax. When turnover since the start of the year exceeds €40,000, the VAT registration application is filed within three working days.
What we do
- We register the company, including remotely through e-residency.
- We choose a bank that works with your structure.
- We register the company for VAT and set up reporting.
What we do
- Corporate account - opening assistance
See also
Company formation · Personal account · Investment property · Country taxes · All country programs
We will calculate online the cost of opening an account for your company and maintaining it for a year.
FAQ
Can a non-resident open a business account in Estonia?
Does e-Residency give me a bank account?
Can I use a payment provider instead of a bank?
Do I need an Estonian resident director?
What tax does an Estonian company pay?
Does Estonian e-residency entitle you to an Estonian bank account?
What social tax does an Estonian employer pay?
How much does an Estonian company owner get from €100,000 of profit?
From what turnover is VAT registration required in Estonia?
Was the reduced dividend rate abolished in Estonia?
Does an Estonian company need an office in Estonia?
Does owning an Estonian company make you an Estonian tax resident?
Need an account for your Estonian company?
We find a bank or payment institution for your Estonian company, including one set up through e-Residency, prepare the compliance pack and guide the opening. The catalogue covers every country.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
Free consultation