THE FINNISH WAY TO PAY
Pay and get paid instantly. Fast, safe, and hassle-free money transfers straight from your bank account.
Trusted by Joel Pohjanpalo, Teemu Pukki and 50K+ other users
SECURE AND TRUSTED. ALL FINNISH BANKS SUPPORTED.
Instant and Secure
Viljo is a Finnish, smooth and effortless way to pay. Send payments or receive refunds straight to your bank account in seconds. No registration, no apps, no extra hassle — just fast, simple and secure payments that work whenever you need them.
Viljo offers responsible payments without credits, interests and surprises. You only pay what you can afford, securely from your bank account. We protect our users even with a possibility to block Viljo payments completely. Less stress, more control!
Speed
Viljo enables real-time bank payments without delays. Paying or receiving refunds? We connect your bank and the merchant and ensure money transfers both ways in seconds.
Privacy
Top-tier privacy. Finnish Viljo respects and protects your personal space. We never collect, store or share your private data. We are committed to transfer your money – but not your information – to the merchant.
Simplicity
Viljo is straightforward and easy to use. Authenticate with your banking credentials and confirm your payment with a single click. No sign-ups, apps or hidden fees.
Security
Viljo is as safe and reliable as your trusted bank. With the highest encryption standards, strong authentication and strict data protection, Viljo will always keep your money and your personal information safe and protected.
Responsibility
With Viljo, you pay with the funds you have and spend only what’s yours. No credit, no debt, no interest — and no problems. For extra control, you can also block all Viljo payments in advance.
How Viljo works?
Select your bank
and authenticate
Select the required bank account
Viljo Experience
Discover what our users think about Viljo.
I won and made a withdrawal from an online casino. The money came to my bank account right away. With other providers, I’ve sometimes had to wait my winnings for days. It’s great that Viljo works 24/7, even on weekends and holidays!
Oskari
Pelikioski
I was a bit skeptical about trying a new payment method, but Viljo turned out to be a pleasant surprise. Making the payment was super easy, and the money transferred instantly. I’ll be happy to use Viljo again!
Kaarina
Pelikaani
Viljo has always worked flawlessly. I really appreciate the option to block payments entirely — other payment methods I know aren’t nearly as responsible. And the fact that Viljo is Finnish is definitely a bonus for me.
Markus
Pelikaani
What is Viljo?
Viljo is a Finnish payment service that enables real-time online payments and refunds — directly from your bank account. Paying with Viljo is fast, easy and secure.
Is Viljo a safe payment method?
Yes, Viljo is a safe and reliable payment service. All transactions are protected by strong encryption and verified through secure online banking authentication.
Viljo never collects, stores or shares your personal information or data from your bank account.
You can only pay with the funds available in your bank account. If you wish, you can also block Viljo payments entirely. Viljo is built on security, privacy, and responsibility.
Is Viljo free to use?
Yes – Viljo is completely free for users. You only pay for what you buy, with no extra fees or hidden charges.
How do I start using Viljo?
There’s nothing to set up: no registration, no app downloads. All you need is your online banking credentials. Just choose Viljo as payment method at checkout, and you’re good to go.
Which banks support Viljo?
Viljo works with all Finnish banks.