getting started and uploading bank statements
everything an e-resident or Estonian company owner needs before the annual report itself: creating an account, signing in with an Estonian ID-card or Mobile-ID, paying the one-off fee, and uploading bank statements. if you have already completed these steps, skip ahead to categorization.
How do I switch between Estonian and English?
At the bottom of the sidebar there is an et · en language switcher. The annual report itself is always generated in Estonian (Äriregister requires Estonian); English is only the app interface.
How much does one annual report cost?
One report costs €49 (final price — VAT does not apply, KMS § 19). Includes unlimited bank-statement uploads, AI categorisation, payroll/tax check, PDF + XBRL export, and email support. Pay via bank link (all major Estonian banks) or card. Refund: if the tool fails to generate a valid XBRL file, we refund in full, no questions asked — email support@nosweat.finance with a short description.
How do I sign up with eID, Mobiil-ID or Smart-ID?
On the home page click "sign in with ID-card, Mobiil-ID or Smart-ID". You'll be redirected to SK Authentigate; pick a method (ID-card, Mobiil-ID, or Smart-ID) and authenticate with PIN1. After success we look up your company by your personal code automatically — no separate account creation needed.
How do I create an account with email and password?
On the login page click "sign in with email and password". Fill in first name, last name, email, password, solve the Turnstile challenge, and submit. We send a verification email — click the link to return. Then set up two-factor authentication (TOTP app on your phone) — this is mandatory for email accounts.
I forgot my password — what now?
For email accounts, click "Forgot password" on the login screen and enter your email — we send a reset link valid for 1 hour. eID accounts have no password; just sign in via ID-card / Mobiil-ID / Smart-ID.
Which bank statement formats do you support?
We automatically recognise statements from LHV (both old and new format), SEB, Swedbank, Coop Pank, Revolut Business, Wise Business, and Luminor (upload the .xlsx file directly). For any other bank (Nordea, Danske, HSBC, N26, etc.), the app shows a column-mapping wizard where you pick which column is the date, amount, counterparty etc. — this works with most standard CSV exports. PDF, MT940, and ISO 20022 XML are not supported.
How do I download an SEB statement?
SEB internet bank: Account → Statement, full year, format CSV (Estonian), then upload to /upload. Don't pick XML or Excel — only CSV is supported.
How do I download a Swedbank statement?
Swedbank internet bank: Daily banking → Account statement, full year, CSV format. Upload to /upload. Encoding: app handles both UTF-8 and Windows-1257.
I have multiple bank accounts — how do I upload them?
Upload each account file separately. The app dedupes by archive-ID, so duplicates across files are silently dropped. Upload all business-related accounts; do not upload personal accounts.
How do I get the EMTA balance statement (Saldoteatis) at year-end?
Saldoteatis = balance statement showing your tax liabilities at a given date. Log in to e-MTA → Arvestus → Saldopäring, check "Tekkepõhise maksuperioodi järgi", date = 31.12.YYYY, then enter values manually on /salary-tax (Saldoteatis section).
How do I download an LHV statement for the report?
In LHV internet bank: Account → Statements, select the full year, format CSV, prefer the new format (effective 01.12.2025). Upload the .csv to /upload. Multiple accounts → upload each as a separate file; the app merges them.
How do I download the EMTA claim transactions report (Nõuete toimingute otsing)?
The app uses the EMTA claim transactions report (Nõuete toimingute otsing) to compute labour costs and tax liabilities. Log in to e-MTA → Arvestus → Nõuete toimingute otsing, set period = full reporting year, Export CSV, then upload to /salary-tax.