Finvoice e-invoicing standard

  • 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.

Current schema: Finvoice 3.0

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

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.

Technical documents are provided in Finnish, English and Swedish where translations are available.

IMPLEMENTATION GUIDELINESDATA LISTS
Finvoice soveltamisohje 1.3Finvoice Implementation Guidelines 1.3Excel 1.3
Finvoice soveltamisohje 2.0Finvoice Implementation Guidelines 2.0
Finvoice soveltamisohje 2.01Finvoice Implementation Guidelines 2.01Excel 2.01
Finvoice soveltamisohje 3.0Finvoice Implementation Guidelines 3.0Excel 3.0 and schema diagram
Ilmoittamispalvelun soveltamisohje 1.0
Ilmoittamispalvelun soveltamisohje 2.0Notification Service Guidelines 2.0 Excel 2.0
Ilmoittamispalvelun soveltamisohje 2.01Notification Service Guidelines 2.01Excel 2.01
FINVOICE–TEAPPSXML 3.0 MAPPING
Finvoice3.0–TEAPPSXML3.0 mappingmore on the TEAPPSXML standard:
https://bix.tieto.com/
SECTOR-SPECIFIC IMPLEMENTATION GUIDELINES
Työmaatunnisteen välittäminen Finvoice-verkkolaskulla
Rahoitusalan soveltamisohje
Energiateollisuuden soveltamisohje
Isännöitsijän vaihtuminen – ohje e-laskutuksen säilymisestä
Auto- ja vakuutusalan soveltamisohje Finvoice 2.01 standardiinFinvoice 2.01 Standard Implementation Guidelines for Automobile and Insurance Sector
Auto- ja vakuutusalan mallilaskut pakattuna kansiona
Apteekkilaskut Finvoice-verkkolaskulla
RECEIPT INFORMATION
Kuittimalli
Korttioston kuittitietojen välitys Finvoice-verkkolaskuna, soveltamisohjeTransmitting card purchase receipts in the finvoice format
Rajapintakuvaus
Example_transmission_request.xml
Example_transmission_response.xml
ereceiptTransmission
FINVOICE VERSIONS1.32.03.0
Finvoice3.0.xsd1.12.2020
Finvoice.dtdFI / SV / EN 28.3.2011
Finvoice.xsd28.3.201131.10.2012
Finvoice2.01.xsd1.4.2013
Finvoice.xslFI / SV / EN 28.3.2011FI / SV / EN 6.11.2012FI / SV / EN 13.3.2018
Finvoice.css28.3.20116.11.201213.3.2018
Finvoiceack.dtdFinvoice ack data list
Finvoiceack.xsd6.9.2012
FinvoiceackEb.xsd1.4.2013
Finvoiceack.xsl13.11.2011
FinvoiceAttachments.xsd14.12.2015
SOAP filessample_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 MESSAGES1.02.0
FinvoiceReceiverInfo.dtd2.8.2009
FinvoiceReceiverInfo.xsd2.8.20091.4.2013
FinvoiceReceiverInfo.xsl2.8.200918.10.2012
FinvoiceReceiverInfoEN.xsl30.8.2012
FinvoiceReceiverInfoSV.xsl30.8.2012
FinvoiceSenderInfo.dtd2.8.2009
FinvoiceSenderInfo.xsl2.8.2009
FinvoiceSenderInfo.xsd2.8.200915.4.2013
ReceiverProposal.xsd1.4.2013
PROGRAMS
Arkistointiohjelma (zip) (Finnish)Archiving Program (zip)
Arkiveringsprogram (zip) (Swedish)
Arkistointiohjelma-ohjeArchiving Program Instructions
Asenna Finvoice XML (msi)Install Finvoice XML (msi)
Invoicer Message Program 2.0 (in Finnish)
Note! The program does not currently support Safari. We recommend using another browser.
Laskuttajailmoituksen teko-ohjelman ohjeInstructions for the invoicer message program
​​Vastaanottoehdotusohjelma
LOGOSFinnishSwedish
E-invoice
RGBJPG GIF JPG GIF
MVJPG GIFJPG GIF
CMYKTIFF PDF EPS AI FH11TIFF PDF EPS AI FH11
MVTIFF PDF EPS AI FH11TIFF PDF EPS AI FH11
NEGAMVJPG TIFF PDF EPS AI FH11JPG TIFF PDF EPS AI FH11
PMS EPS AI FH11 EPS AI FH11
Direct payment
RGBPSD JPGPSD JPG
MVPSD JPGPSD JPG
CMYKPDF EPS AIPDF EPS AI
MVPDF EPS AIPDF EPS AI

Still have questions?

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Contact FFI experts

Infrastructure and Security

Jarmo Markkanen

Head of Payments Standardisation and E-invoicing