My Own Account

#A sole proprietorship service where the money lands in your own account

My Own Account is the same carefree sole proprietorship service as Toiminimi — with one difference: your customers pay their invoices directly into your company's own bank account. The money never passes through Truster: you see every payment in your own bank and stay in charge of your funds. Behind the scenes, Truster handles the same things it does for every sole proprietor: invoicing, bookkeeping, VAT returns, and the annual business tax return.

You connect your bank account to the service directly in the app. After that, the transactions on your bank statement appear in the app, and you match them to your bookkeeping with just a few taps — sales, expenses and withdrawals stay up to date without emailing receipts back and forth. You scan receipts with the receipt scanner, and every receipt is checked by us before the VAT and tax returns are filed.

There's one thing that stays your responsibility: payments. Because the money is in your own account, you pay the VAT and taxes yourself — we give you the exact amounts, due dates and payment details, fully calculated in advance. You don't need to do any calculations, just pay.

#A clear division of labour: we handle the paperwork, you handle the payments

Truster takes care of creating and sending invoices, bookkeeping, VAT returns each tax period, and the annual business tax return (Form 5). You can see your results, transactions and downloadable reports in the app at any time — and when the authorities ask, the figures are ready.

You pay VAT, advance taxes and other statutory payments yourself, from your own online bank. This is the core idea of the service: because the money is in your own account, payment transactions also stay in your hands. For every payment, we provide the details you need in advance — the amount, due date and payment reference — so paying is as simple as a bank transfer, not accounting work.

#Protection and social security

In My Own Account, Truster Turva is an optional add-on you can take for a fixed monthly fee. It includes liability insurance (covers personal injury and property damage you cause at work), legal expenses insurance (covers legal costs from work-related disputes) and accident insurance — plus a comprehensive contract library, including, for example, a ready-made assignment agreement template.

Every entrepreneur must take out YEL pension insurance once the conditions are met: you're 18–68 years old, you've worked as an entrepreneur for at least four consecutive months, and your estimated annual income from work exceeds the statutory threshold (€9,423.09 in 2026). You can see your results directly on the income statement in the app, and you can arrange YEL insurance easily through Truster.

Find insurance terms, product guides and contract templates all in one place: Truster Turva →

#Who is My Own Account for?

My Own Account is built for sole proprietors who want the money to go straight into their own account and full visibility into their cash flow — but don't want to pay an accounting firm or do the bookkeeping themselves. It's especially suited to established entrepreneurs with regular invoicing, and to anyone switching from an accounting firm: we handle the transfer based on your opening figures, so your bookkeeping continues without interruption. If you'd rather have us handle the money flow and tax payments for you too, take a look at our Toiminimi service — switching between our services is easy within Truster.