How does the Juuli Freelancer account work — and what do I get?
The Juuli Freelancer account is built for independent professionals who invoice clients and get paid across borders. It gives you a dedicated IBAN payment account, Visa cards, and built-in invoicing — all in one place. Juuli is a regulated platform, not a bank; the underlying e-money and payment services are provided by Stripe Technology Europe, Limited, an Electronic Money Institution authorised by the Central Bank of Ireland (firm reference C187865).
Where a Juuli IBAN account and Visa card are available: only when you live in — or, for a business, are registered in — one of these 20 EEA countries: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain. Other EEA countries — for example Poland, Sweden, Denmark, Czechia, Hungary, Bulgaria, Romania, Iceland, Liechtenstein and Norway — are not eligible for a Juuli IBAN or Visa card yet. Freelancers anywhere in the world can still invoice their clients through Juuli's Merchant of Record.
What you get
- A personal IBAN payment account with a multi-currency balance, ready to send and receive money across the EEA and UK.
- Visa cards — virtual cards issued instantly, plus optional physical cards. You can freeze and unfreeze any card from the app at any time.
- Built-in invoicing, where Juuli acts as Merchant of Record and handles VAT and tax compliance on your client invoices (available on Freelancer accounts only).
- A clear dashboard for tracking payments, downloading statements, and exporting your transaction history.
How invoicing works
When you invoice a client through Juuli, we become the Merchant of Record. That means we take on the legal and tax compliance of the invoice, so you can focus on the work. The service fee is 4.5% per invoice, and you choose whether you or your client covers it. Invoicing is supported in 15+ currencies, and your clients can pay from 180+ countries.
Getting set up
Setting up is fast and there is no setup, activation, or joining fee. Once you complete identity verification (KYC), your IBAN account and Visa cards are activated instantly. Verification is automated and usually takes just a few minutes.
Choosing a plan
Freelancer accounts come on three plans, so you only pay for what you need. Here is a quick comparison:
| Plan | Monthly fee | Virtual cards | Physical cards | Support |
|---|---|---|---|---|
| Freemium | €0 | 1 included | 0 included | |
| Pro | €19 | 5 included | 1 included | Personal Account Manager |
| Max | €29 | 15 included | 3 included | Dedicated Account Manager |
Physical cards ship for €20 standard or €35 express (free shipping on cards included with your plan), and Pro and Max plans also unlock free or reduced transfer fees and cashback eligibility. For the full fee breakdown, see below.
Related: Does Juuli have hidden fees? Here's every cost, laid out
Security
Your account is protected by two-factor authentication: each time it is needed, we send a one-time PIN code to your registered email address. Juuli will never ask you for your password or 2FA code.
Related: How to open a Juuli account in 3 minutes (step-by-step), How to create and send a professional invoice through Juuli
Still have questions? Email our support team at support@juuli.com — we're happy to help you get the most out of your Freelancer account.