Your association's finances in order

Your association's

finances in order

Your association's finances in order

Forget expensive software and bookkeeping that piles up. NoCFO categorises transactions automatically, sends membership invoices, and keeps your finances up to date all year round.

Get started for free

No card information needed – Set up in under 5 minutes

Everything your association needs,

all in one place

Everything your association needs, all in one place

AI bookkeeping

Automatic AI-powered booking suggestions for every bank transaction — no manual entry or typing. You can automate bookkeeping using rules.

Flexible Sales and Purchase Invoices

Send invoices by email or e-invoice individually or in bulk to your entire membership. Receive invoices directly in the software and pay them right there.

Receipt scanning and Document archive

Snap a receipt on your phone and NoCFO automatically matches it to the correct transaction. Everything stored digitally.

Payroll

Pay salaries easily when needed and get automatic payroll entries directly into bookkeeping.

Unlimited users

Include the entire board and active members at no extra cost.

Chat support

Need help with bookkeeping or using the software? Our team responds within one business day.

Pricing

For associations of all shapes and sizes

Association

Free

Try NoCFO for free

✔ AI bookkeeping

✔ Sales and purchase invoicing

✔ Receipt scanning and document

archive

✔ Mass invoicing and consumer

invoices

✔ Unlimited users

✔ Chat support

✔ 8 transactions /month

For associations with very little

activity.

0€

/year

Get started for free

Association

Lite

Small, non-commercial

associations

✔ AI bookkeeping

✔ Sales and purchase invoicing

✔ Receipt scanning and document

archive

✔ Mass invoicing and consumer

invoices

✔ Unlimited users

✔ Chat support

✔ 500 transactions /year

Designed for small associations with

low activity most of the year and a

short peak during membership

invoicing.

120€

/year

Get started for free

Association

Plus

Growing associations, more

activity

✔ AI bookkeeping

✔ Sales and purchase invoicing

✔ Receipt scanning and document

archive

✔ Mass invoicing and consumer

invoices

✔ Unlimited users

✔ Chat support

✔ 1500 transactions /year

For more active associations with

higher transaction volumes and

possibly paid staff.

240€

/vuosi

Get started for free

archive

✔ Mass invoicing and consumer

invoices

✔ Unlimited users

✔ Chat support

✔ 7500 transactions /year

For large associations with year-

round activity.

480€

/year

Get started for free

An affordable and seamless NoCFO Holvi business account for your association

NoCFO Holvi business accounts are designed with associations in mind. Association Flex

and Pro offer a flexible and versatile option — starting from 0 €/month.

NoCFO Holvi business accounts are designed with associations in mind. Association Flex and Pro offer a flexible and versatile option — starting from 0 €/month.

Flexible and versatile

Start small and scale as needed. No commitment or hidden fees.

Seamless financial management

Business accounts connect automatically to your bookkeeping. Transactions appear in near real time.

Everything in one place

Manage your association's finances easily from one place, with one clear interface.

Choose your business account

Open a business account easily and quickly online

Association Flex

The lightest option — one account

and a virtual card. Pay only for the

transactions you make.

0 €

/ month

1 Finnish IBAN account

1 virtual debit card

Business Credit card

SEPA payments €0.25 /transaction

SWIFT payments €1 /transaction

3 users

Receipt scanning and bookkeeping

prep

Basic reports

Bank connection free through NoCFO

Get started with Association Flex

Association Pro

Everything your association needs —

accounts, cards, invoicing and an

online store.

15 €

/ month

5 Finnish IBAN accounts

3 physical + 1 virtual debit card

Business Credit card

500 SEPA payments /month

SWIFT payments €1 /transaction

Unlimited users

Invoicing tool + 500 invoices /month

Receipt scanning and bookkeeping

prep

Extended reports and export files

Bank connection free through NoCFO

Get started with Association Pro

Data transfer to NoCFO, even in the middle of the fiscal period, always for free.

No need to wait for the fiscal year to change. We transfer your financial

information from previous software or accounting firm to NoCFO software

effortlessly and for free.

Book a free demo meeting

30 min meeting — no strings attached

Data transfer to

NoCFO, even in the middle of the fiscal period, always for free.

No need to wait for the fiscal year to change. We transfer your financial

information from previous software or accounting firm to NoCFO software

effortlessly and for free.

Book a free demo meeting

30 min meeting — no strings attached

Data transfer to

NoCFO, even in the

middle of the fiscal

period, always for free.

No need to wait for the fiscal year to change. We transfer your financial

information from previous software or accounting firm to NoCFO software

effortlessly and for free.

Book a free demo meeting

30 min meeting — no strings attached

Customer Stories

Why are people using us?

This is a very good program! The Holvi integration works very smoothly, which is a big plus. I have tried many accounting tools for “small entrepreneurs”, but they are often so complex that even a degree in economics does not help.
Konsta L.
Entrepreneur Lykka oy
Ease of use and excellent price-quality ratio are important for us when choosing a service provider. NOCFO combines both elements seamlessly.
Aatu Pulkkinen
Accounting agency
Septimus Oy
This is such a great platform! I am
amazed at the intuitiveness and
user-friendliness of a few
accounting programs that NOCFO
has achieved so far.
Tanja K.
Entrepreneur - TMK Asunnot Oy
NOCFO's solution was really
clever, and I was able to handle
both the bookkeeping and the
financial statements for my side
business myself with the help of
the Plus package.
Matti S.
Sivutoiminen Yrittäjä
The program is exactly what I've
been needing to run my part-time
sole proprietorship. The AI
sparring partner was a positive
surprise, and the Holvi integration
works brilliantly. With clear
instructions, the tasks are handled
easily and affordably.
Marjaliisa
Toiminimi Avartamo
The bookkeeping had been hanging for months due to a lack of motivation for the receipt hustle, even though I had already tested receipt scanner apps. NOCFO's new Holvi integration came completely out of the blue to save the day—an absolute huge relief and just what I had been needing!
Kalle A.
Toiminimi Kalle Alho
A huge thanks to NOCFO—it's a clear, easy-to-use solution that does exactly what I need. I have recommended it to everyone I've talked to about bookkeeping. It makes the whole process much simpler.
Tero N.
Yrittäjä - Grater Consulting Oy
A huge thanks for the excellent product. Even this current version is revolutionizing how things are done—the bookkeeping is handled much more smoothly and with less effort.
Juha P.
Entrepreneur at Buonarroti Oy
I didn't have any previous experience with bookkeeping applications, and learning a new one is always a bit daunting. The service was a positive surprise in every way and fits our association's needs perfectly (like a 'strike' in bowling). NOCFO is simple, and even a 57-year-old bookkeeping novice can use it.
Rahastonhoitaja Make
Pin Pals Imatra ry

Customer Stories

Why are people using us?

This is a very good program! The Holvi integration works very smoothly, which is a big plus. I have tried many accounting tools for “small entrepreneurs”, but they are often so complex that even a degree in economics does not help.
Konsta L.
Entrepreneur Lykka oy
Ease of use and excellent price-quality ratio are important for us when choosing a service provider. NOCFO combines both elements seamlessly.
Aatu Pulkkinen
Accounting agency
Septimus Oy
This is such a great platform! I am
amazed at the intuitiveness and
user-friendliness of a few
accounting programs that NOCFO
has achieved so far.
Tanja K.
Entrepreneur - TMK Asunnot Oy
NOCFO's solution was really
clever, and I was able to handle
both the bookkeeping and the
financial statements for my side
business myself with the help of
the Plus package.
Matti S.
Sivutoiminen Yrittäjä
The program is exactly what I've
been needing to run my part-time
sole proprietorship. The AI
sparring partner was a positive
surprise, and the Holvi integration
works brilliantly. With clear
instructions, the tasks are handled
easily and affordably.
Marjaliisa
Toiminimi Avartamo
The bookkeeping had been hanging for months due to a lack of motivation for the receipt hustle, even though I had already tested receipt scanner apps. NOCFO's new Holvi integration came completely out of the blue to save the day—an absolute huge relief and just what I had been needing!
Kalle A.
Toiminimi Kalle Alho
A huge thanks to NOCFO—it's a clear, easy-to-use solution that does exactly what I need. I have recommended it to everyone I've talked to about bookkeeping. It makes the whole process much simpler.
Tero N.
Yrittäjä - Grater Consulting Oy
A huge thanks for the excellent product. Even this current version is revolutionizing how things are done—the bookkeeping is handled much more smoothly and with less effort.
Juha P.
Entrepreneur at Buonarroti Oy
I didn't have any previous experience with bookkeeping applications, and learning a new one is always a bit daunting. The service was a positive surprise in every way and fits our association's needs perfectly (like a 'strike' in bowling). NOCFO is simple, and even a 57-year-old bookkeeping novice can use it.
Rahastonhoitaja Make
Pin Pals Imatra ry

Customer Stories

Why are people using us?

This is a very good program! The Holvi integration works very smoothly, which is a big plus. I have tried many accounting tools for “small entrepreneurs”, but they are often so complex that even a degree in economics does not help.
Konsta L.
Entrepreneur Lykka oy
Ease of use and excellent price-quality ratio are important for us when choosing a service provider. NOCFO combines both elements seamlessly.
Aatu Pulkkinen
Accounting agency
Septimus Oy
This is such a great platform! I am
amazed at the intuitiveness and
user-friendliness of a few
accounting programs that NOCFO
has achieved so far.
Tanja K.
Entrepreneur - TMK Asunnot Oy
NOCFO's solution was really
clever, and I was able to handle
both the bookkeeping and the
financial statements for my side
business myself with the help of
the Plus package.
Matti S.
Sivutoiminen Yrittäjä
The program is exactly what I've
been needing to run my part-time
sole proprietorship. The AI
sparring partner was a positive
surprise, and the Holvi integration
works brilliantly. With clear
instructions, the tasks are handled
easily and affordably.
Marjaliisa
Toiminimi Avartamo
The bookkeeping had been hanging for months due to a lack of motivation for the receipt hustle, even though I had already tested receipt scanner apps. NOCFO's new Holvi integration came completely out of the blue to save the day—an absolute huge relief and just what I had been needing!
Kalle A.
Toiminimi Kalle Alho
A huge thanks to NOCFO—it's a clear, easy-to-use solution that does exactly what I need. I have recommended it to everyone I've talked to about bookkeeping. It makes the whole process much simpler.
Tero N.
Yrittäjä - Grater Consulting Oy
A huge thanks for the excellent product. Even this current version is revolutionizing how things are done—the bookkeeping is handled much more smoothly and with less effort.
Juha P.
Entrepreneur at Buonarroti Oy
I didn't have any previous experience with bookkeeping applications, and learning a new one is always a bit daunting. The service was a positive surprise in every way and fits our association's needs perfectly (like a 'strike' in bowling). NOCFO is simple, and even a 57-year-old bookkeeping novice can use it.
Rahastonhoitaja Make
Pin Pals Imatra ry