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 was surprised how quickly the payment went through. I just chose Viljo, confirmed in my banking app and the money moved instantly. It is now my preferred way to pay online.

Sanna
Helsinki

Refunds used to take days. With Viljo I see the money back on my bank account almost immediately. It makes online shopping feel much safer.

Mikko
Turku

I like that Viljo is Finnish and that I can even ask to block payments if I want an extra layer of control. It feels like a very responsible way to handle payments.

Laura
Tampere

Answers to frequently asked questions

More questions about Viljo?

Contact Us

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.

Yes, Viljo is a safe and reliable payment service. All transactions are protected by strong encryption and verified through secure online banking authentication.

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.

Yes – Viljo is completely free for users. You only pay for what you buy, with no extra fees or hidden charges.

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.

Viljo works with all Finnish banks.