- Receive the invoice in electronic format and match each invoice directly with its order.
- Transmit invoices using bank connection software (similar to payment materials) or through e-invoice operators who provide forwarding services.
Finvoice is a publicly available invoicing standard published by Finnish banks. It is also a forwarding service for businesses, provided by banks and payment institutions.
The Finvoice forwarding service is built around the Finvoice message format. The buyer receives the invoice in electronic format and transfers the information to its own accounting systems. Each invoice can be directly matched with its order on the basis of its reference. E-invoice data can be transmitted using bank connection software, similarly to payment materials, or through e-invoice operators who provide forwarding services.
For sample invoices, please see the Finnish Energy site (link below).
Current schema: Finvoice 3.0
26 Sep 2024 – Link to CEF service in Finvoice Implementation Guidelines 3.0 updated.
26 Sep 2024 – Small corrections to Finvoiceack examples in 2.01 and 3.0 Implementation Guidelines.
26 Dec 2023 – A minor clarification to Notification Service Guidelines 2.01
19 Dec 2023 – A minor correction to Finvoice 3.0 Implementation Guidelines
14 Nov 2023 – Added bank-specific guidelines for processing Credit Notes and Reminder Invoices (INV05, INV08)
6 Oct 2023 – Style sheets updated (date 27.9.2023)
20 Dec 2022 – Notification Service Guidelines 2.01 updated.
1 Jul 2021 – SEB is no longer a member of the Finvoice network as from 1 July 2021.
7 Jun 2021 – Finvoice 3.0-TEAPPSXML 3.0 mapping table has been updated.
29 Jan 2021 – Sector-specific guidelines for pharmacies updated to comply with the EU standard and to support Finvoice 3.0 invoices.
21 Dec 2020 – Finvoice 3.0 schema reverted to the schema published in November 2019. Banks will not implement any changes to the schema in Q1/2021. The data list and implementation guidelines were updated.
1 Dec 2020 – Finvoice 3.0 schema updated. The EpiCharge check introduced in a previous schema was removed, as the check broke downward compatibility. The number of decimals permitted in percentages was increased from three to four. Banks will introduce the new schema in Q1/2021. Implementation guidelines were updated with new explanations to some parameters.
6 Nov 2020 – Finvoice 3.0 schema, Implementation guidelines and schema diagram updated.
4 Nov 2019 – Finvoice 3.0 schema, data list and diagram updated. The VATExemptionReasonCode element changed to conform to the EU standard.
SERVICE PROVIDERS
- Aktia
- Danske Bank
- DNB
- Handelsbanken
- Nordea
- Oma Savings Bank
- OP Financial Group
- POP Banks
- S-Bank
- Savings Banks Group
- Bank of Åland
Links
Note! Some files (such as .dtd files and .txt files that contain xml code) cannot be opened in the browser. Download the files to your computer by right-clicking the link and selecting ‘Save Target As…’ or ‘Save Link As…’. All materials on this page are freely usable.
English translation of the Finvoice forwarding service description and terms and conditions
Technical documents are provided in Finnish, English and Swedish where translations are available.
| FINVOICE–TEAPPSXML 3.0 MAPPING | |
|---|---|
| Finvoice3.0–TEAPPSXML3.0 mapping | more on the TEAPPSXML standard: https://bix.tieto.com/ |
| BANK-SPECIFIC GUIDELINES | |
|---|---|
| Perintä- ja huomautuslaskujen (INV05, INV08) käsittely pankeittain / 21.10. 2024 | Collect notes and reminder invoices (INV05, INV08) processing by banks / 21 Oct 2024 |
| FINVOICE VERSIONS | 1.3 | 2.0 | 3.0 |
|---|---|---|---|
| Finvoice3.0.xsd | 1.12.2020 27.9.2023 | ||
| Finvoice.dtd | FI / SV / EN 28.3.2011 | ||
| Finvoice.xsd | 28.3.2011 | 31.10.2012 | |
| Finvoice2.01.xsd | 1.4.2013 | ||
| Finvoice.xsl | FI / SV / EN 28.3.2011 | FI / SV / EN 6.11.2012 | FI / SV / EN 13.3.2018 FI / SV / EN 27.9.2023 |
| Finvoice.css | 28.3.2011 | 6.11.2012 | 13.3.2018 27.9.2023 |
| Finvoiceack.dtd | Finvoice ack data list | ||
| Finvoiceack.xsd | 6.9.2012 | ||
| FinvoiceackEb.xsd | 1.4.2013 | ||
| Finvoiceack.xsl | 13.11.2011 | ||
| FinvoiceAttachments.xsd | 14.12.2015 | ||
| SOAP files | sample_soap.xml XMLSchema.dtd envelope.xsd datatypes.dtd msg-header-2_0.xsd xmldsig-core-schema.xsd xlink.xsd xml.xsd | SOAP data list | |
| NOTIFICATION MESSAGES | 1.0 | 2.0 |
|---|---|---|
| FinvoiceReceiverInfo.dtd | 2.8.2009 | |
| FinvoiceReceiverInfo.xsd | 2.8.2009 | 1.4.2013 |
| FinvoiceReceiverInfo.xsl | 2.8.2009 | 18.10.2012 |
| FinvoiceReceiverInfoEN.xsl | 30.8.2012 | |
| FinvoiceReceiverInfoSV.xsl | 30.8.2012 | |
| FinvoiceSenderInfo.dtd | 2.8.2009 | |
| FinvoiceSenderInfo.xsl | 2.8.2009 | |
| FinvoiceSenderInfo.xsd | 2.8.2009 | 15.4.2013 |
| ReceiverProposal.xsd | 1.4.2013 | |
| PROGRAMS | |
|---|---|
| Arkistointiohjelma (zip) (Finnish) | Archiving Program (zip) |
| Arkiveringsprogram (zip) (Swedish) | |
| Arkistointiohjelma-ohje | Archiving Program Instructions |
| Finvoice XML (msi) Ohjelma Finvoice-laskujen katseluun Win10-koneella. Sijoita Finvoice-tyylitiedosto samaan hakemistoon XML-tiedoston kanssa. | Finvoice XML (msi) Finvoice XML file viewer for Windows 10. Make sure the style sheet is in the same folder as the XML file. Instructions for the viewer |
| Invoicer Message Program 2.0 (in Finnish) Note! The program does not currently support Safari. We recommend using another browser. | |
| Laskuttajailmoituksen teko-ohjelman ohje | Instructions for the invoicer message program |
| Vastaanottoehdotusohjelma | |
| LOGOS | Finnish | Swedish |
|---|---|---|
| E-INVOICE | ||
| RGB | JPG GIF | JPG GIF |
| MV | JPG GIF | JPG GIF |
| CMYK | TIFF PDF EPS AI FH11 | TIFF PDF EPS AI FH11 |
| MV | TIFF PDF EPS AI FH11 | TIFF PDF EPS AI FH11 |
| NEGAMV | JPG TIFF PDF EPS AI FH11 | JPG TIFF PDF EPS AI FH11 |
| PMS | EPS AI FH11 | EPS AI FH11 |
| DIRECT PAYMENT | ||
| RGB | PSD JPG | PSD JPG |
| MV | PSD JPG | PSD JPG |
| CMYK | PDF EPS AI | PDF EPS AI |
| MV | PDF EPS AI | PDF EPS AI |
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