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How Siirto brings your bills straight to your mobile bank

Article 16.09.2026

With Siirto, you pay a friend in seconds and shop online with just a few clicks. Now Siirto has brought that same ease to receiving bills too. Bills arrive directly in your familiar mobile bank, so you no longer need to sign up for an e-invoice separately with every biller.

No more separate e-invoice sign-ups

Many of us have, at some point, skipped signing up for an e-invoice because it felt like a hassle — and the bill has arrived on paper or by email instead. Once you’ve registered for Siirto, you no longer need to sign up for e-invoices separately.

Bills where they’re paid

When a biller uses Siirto’s e-invoice address lookup service, Siirto automatically forwards your e-invoice address to them. The bill then appears directly in your mobile bank, just like your other e-invoices.
This applies to both recurring bills, such as a gym membership, and one-off bills, such as a health center visit. When you sign an agreement with a new company, you’ll receive your very first bill straight to your mobile bank — no separate e-invoice sign-up needed.

How the service works behind the scenes to make everyday life easier

Siirto gathers the e-invoice addresses of consumers who have taken the service into use in a single register. When a biller wants to send you an e-invoice, Siirto compares the customer information it knows — such as phone number, home address, or personal identity code — with the information held by the bank.

If the information matches with sufficient confidence, Siirto forwards your e-invoice address to the biller, and the bill is routed to the right mobile bank.

If the information cannot be matched with sufficient certainty, Siirto does not release the e-invoice address. In that case, the biller uses another delivery method. Siirto never forwards the personal data used in the comparison to anyone else.

Siirto’s e-invoice address lookup service can only be used by trusted e-invoicing operators.

Benefits for both you and the biller

For you, Siirto’s service brings ease and saves time: your bill finds its way to you automatically, and you don’t need to set up separate e-invoice agreements with every biller. Paying bills is easy, fast, and secure, right in your familiar mobile bank.

For the biller, the service automates the lookup and forwarding of e-invoice addresses. It also helps reduce the number of paper bills and the environmental burden they cause.

Get started with Siirto

Join over a million Finns. Activate the service in your banking app.