Free Digital Banking in Estonia

Free Virtual cards & Digital banking for E-Residency Estonian businesses

Level up your spend management game with a modern digital banking tool.

Start saving
Issue Your Virtual Cards Instantly
Get Up to 1,25% Cashback1 With Each Transaction
SEPA & ICE‑residency friendly

SAAS COST REDUCTION

Pain points & Solutions

Challenges faced by Estonian SMBs/startups:

  • Non-EU Residents Can't Open Bank Account
  • High Fees
  • Slow Processing & Unresponsive Support

Spendbase

solutions:

  • Accepts Applications From Non-EU Residents
  • Discount Marketplace for Hundreds of SaaS Tools
  • Neobank - Fast and Friendly support

Feature Showcase

Feature Showcase

Stop sharing — get your own virtual card

Open corporate payment account and create dedicated cards for recurring expenses or one-off purchases in no time.

  • EU and UK IBANs
  • Mastercard virtual cards
  • Cards issued, assigned, or deactivated in seconds
  • Apple and Google Pay (coming soon)

Gain full control of your teams’ spend

No more chasing receipts and blind guessing where the money went.

  • Easily approve, assign, or deactivate cards
  • Set budget limits for each card that work best for your business
  • Get instant visibility of all company spend – from daily expenses to subscriptions

Automate your accounting

Ease up your day-to-day accounting by keeping all your payment data up-to-date.

  • Smart integrations with your ERP or accounting system
  • Automated sync of expense accounts
  • Payment and purchase data export to your general ledger

Easy Start

Estonia-Specific Advantages

Built for e‑Residency

Instant onboarding for international founders

Works with Estonian e‑ID

X‑Road ecosystem, and local fintech frameworks

Multi-currency support

For cross-border SaaS purchases

No need for local director

Or bank branch visits

Straightforward!

How It Works?

1. Create Account – sign up in minutes, verify with e‑ID or e‑Residency
2. Issue Cards – generate virtual cards, set limits, assign to teams
3. Track & Save – real-time dashboard, procure & approve, see cashback

Start saving
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SAAS SAVINGS AND WINS

Our customers save up to 39%
on software - you can too

Anvar Azizov
Getting 250k worth of GCP credits was a huge surprise. We’ve used them to boost our cloud infrastructure and gave a spin to LLM. If you really want to optimize your software costs - just let them do their magic.
Anvar Azizov

Anvar Azizov

CTO

Michael Chepurnyak
We were shocked by how underused some of our most expensive subscriptions were and how much pricing discount a team of professionals can negotiate.
Michael Chepurnyak

Michael Chepurnyak

CEO and founder

Davyd Pishchanskyi
We cut $365,000 from our SaaS and cloud spend.
Davyd Pishchanskyi

Davyd Pishchanskyi

SysOps Engineer at Brainstack

Timothée LEON-DUFOUR
Spendbase experts helped us save $500k on expensive contracts & AWS cloud bills, marking a strong start to a long-term relationship
Timothée LEON-DUFOUR

Timothée LEON-DUFOUR

Global IT Manager at Preply

Nazar Gulyk
Spendbase, helped our company reduce software costs by 37% and eliminate manual tasks for financiers, which results in continued savings.
Nazar Gulyk

Nazar Gulyk

Founder

Pricing

Free banking for startups

$0

Monthly fee

$0

Per user

0%

Transaction fee

Request your demo

Start saving with Spendbase card and software discounts

Get full visibility of your company’s SaaS subscription usage and control its efficiency on our easy-to-use platform.

See how you can:
  • Free digital business banking and virtual cards
  • SaaS usage visibility and Shadow IT detection
  • Software and Cloud discounts
  • Procurement flows

Get free Spendbase account

We will email you back within 1 business day.

FAQ

Get the facts straight

Do you accept Non-EU residents?

Yes! Your company must be registered in EU however as the owner you may be non-EU or EEU resident.

How can I get SaaS Discounts?

Reach out to our sales team and we will find the proper discount pack for your stack! We have the richest discount marketplace.

How many cards can I issue?

As much as needed until you meet our eligibility criteria. Reach out to our finance team to find out more.

Can I sign up with e-Resident digi-ID?

You can sign up with e‑Resident digi‑ID card or Smart‑ID, however we might still need some additional info from you.