Electronic YEL invoice

Electronic invoices arrive quickly and are environmentally friendly. The invoices can be sent directly to the company’s invoice handling system or to your own online bank. Electronic invoices are also easy to archive.

Switch over to using online invoices or e-invoices

If you wish to switch from paper invoices to electronic invoices, you can choose an online invoice or an e-invoice. Online invoices will be sent to your company’s invoice handling system and e-invoices will be sent to your personal online bank.

Online invoice

You will begin receiving online invoices once you agree on it with your online invoice operator. Operators include banks and companies specialised in online invoices.

When you wish to begin receiving online invoices from us, follow these steps:

  1. Conclude an agreement on receiving online invoices with the online invoice operator of your choosing.
  2. If necessary, get online invoicing software.
  3. In the self-employed person's online service, select the Send Message icon and inform us securely of the following:
    • insurance policy number
    • online invoice address
    • operator
    • OVT code.

Log in to the online service using your personal online banking credentials.

For more information on the online invoice, contact your operator. We deliver electronic invoices according to the European standard on e-invoicing in the Finvoice 3.0 format.


E-invoices will be sent to your personal online bank.

Go to ’e-invoices’ in your online bank and order Ilmarinen’s YEL invoice as an e-invoice to your bank. Select “YEL CONTRIBUTION” as the invoicing subject. Also include your YEL insurance policy number in your order. An e-invoice contains the same information as a paper invoice.

Once you switch over to using e-invoices, the next invoice you receive from us will probably be an e-invoice.

In most online banks, you can choose between the following payment methods:

  • direct debit – the payment will be automatically debited from the account on the due date
  • separate approval – the payment will not be debited from the account until you have approved it.

Invoices are archived in the online bank for about a year, depending on the bank. Most banks offer a service where you will receive notices of new e-invoices by email or SMS (a banking service subject to a charge).

Are you also an employer?

You can also receive your TyEL insurance invoices in electronic format.

Read more about switching over to electronic TyEL invoices >