How to Invoice International Clients Without Registering a Company (2025 Guide)
Learn how to invoice international clients without registering a company in 2025. Complete guide with step-by-step instructions.
Freelance Hustle, Global Clients—One Painful Question
"How do I invoice a client in Berlin when I'm chilling in Bali without spending weeks and €1,000s on a legal entity?"
Scroll any digital-nomad forum in 2025 and you'll spot the same heartburn: getting paid across borders without drowning in red tape. Traditional self-employment routes still mean
- Registering a company in your home or a foreign country
- Hunting down accountants who speak "freelance" not "Fortune 500"
- Paying setup fees, monthly retainers, and mind-numbing paperwork
Time lost = billable hours vanished. Clients don't wait, and neither should you.
But what if you could fire off a compliant invoice today—legally—without owning a formal business? That's the promise behind Xolo Go. Let's unpack how it slashes friction so you can get back to building, coding, and creating value.
Why Setting Up a Company Feels Like Bringing a Tank to a Nerf Fight
Going limited is awesome—if you're scaling a team. For solo gigs? Often pure overkill.
Sure, incorporating grants credibility and liability protection. Yet for many one-person armies it's an 80-hour detour to solve a 5-minute problem: sending an invoice.
Consider the classic hurdles:
- Formation fees & monthly costs. Depending on the jurisdiction, registering can run €300-€2,000 upfront plus bookkeeping retainers every month.
- Bank-account roulette. International clients rarely wire funds to personal accounts. Opening a corporate bank—especially remotely—can take weeks.
- Tax registration & VAT nightmares. You'll need to collect and remit VAT/GST in Europe, create quarterly returns, and keep audit-proof records for years.
When your client asks, "Can I get an invoice by Friday?" you can't exactly reply, "Sure, just waiting on my Tax ID."
Xolo Go: Your 15-Minute Invoicing-Passport
Create an account, fill a quick KYC form, copy your virtual IBAN—done.
Xolo Go is essentially a shared legal entity backed by Xolo's Estonian company. You piggy-back on their business structure so you can issue invoices under Xolo's EU VAT number while remaining a sole individual. Think of it as "company-as-a-service."
What happens under the hood:
- You sign up with your personal details (takes ~10 minutes if your passport photo isn't hiding under pizza boxes).
- Xolo reviews KYC within 24 hours. Most users are green-lit in < 15 minutes.
- From your dashboard, you create an invoice in any major currency. Xolo auto-injects its legal data and EU VAT.
- Your client pays to a dedicated virtual account. Funds settle, Xolo subtracts a flat 5 % service fee, and wires the rest to your bank or Wise account weekly.
👉 Net effect: You invoice like a company without owning one.
Keyword slip-in: It's arguably the fastest freelance invoicing solution on the market, ideal when you need to invoice clients without a company—especially high-ticket international client invoicing.
VAT, Multi-Currency, and 2025 Exchange-Rate Chaos—Handled
Currency swings? EU VAT thresholds? Let Xolo sweat the small stuff while you ship code.
With freelancers now charging in USD, EUR, GBP, and even crypto on the same Monday, staying compliant is brutal. Xolo Go solves three thorns in one stroke:
- VAT Auto-Magic. If your customer is in the EU, Xolo calculates and adds the correct VAT rate. You never touch a tax return. Zero.
- FX Friendly. Bill in 10+ currencies. Xolo converts using mid-market rates, then wires in EUR—or route via Wise to land in your local currency.
- Audit-ready records. All invoices, credit notes, and payment confirmations live in one dashboard. Download a zipped audit file anytime, perfect for that random "tax residency" email.
💡 Tip: If you're outside the EU, you still benefit from Xolo's EU VAT handling—clients love the credibility boost.
Quick-Fire Compliance: Where You Stand in 10 Hot Freelance Hubs
Stay out of trouble without reading 200 pages of tax code.
| Country | Personal tax angle | Need to declare Xolo income? | Extra notes |
|---|---|---|---|
| United States | Worldwide income taxable | Yes—report via Schedule C | 1099 not required; treat Xolo payout as self-employment income |
| Germany | Progressive up to 45 % | Yes | No German VAT owed—Xolo handles EU VAT |
| India | Progressive up to 30 % | Yes | Declare under "Income from Business/Profession" |
| Brazil | Simples Nacional or MEI | Yes | Xolo payout counts as foreign income; may trigger IOF tax |
| United Kingdom | Progressive up to 45 % | Yes | No need for UK VAT until £90,000 threshold |
| Canada | Federal + provincial | Yes | GST/HST not needed—Xolo remits EU VAT |
| Nigeria | Progressive up to 24 % | Yes | Declare via PAYE or self-assessment; FX receipts via domiciliary account helpful |
| Philippines | Graduated; 8 % optional | Yes | Register as freelancer; Xolo docs serve as proof of income |
| Australia | Up to 45 % plus Medicare | Yes | Declare as foreign business income; no GST |
| Estonia | 20 % flat | Yes | E-Residency + Xolo Go pairs nicely for smooth banking |
Always double-check with a qualified advisor in your jurisdiction—laws change faster than TikTok trends.
Send Your First Invoice—Right Now
Procrastination kills cashflow. Let's push the red button.
- Sign up at Xolo.io → Go. Grab a coffee; onboarding feels like signing up for Spotify.
- Upload ID + selfie. Don't overthink—just snap and send.
- Add payout method. IBAN, Wise, Revolut, or PayPal (beta). Pick what hits your pocket fastest.
- Create invoice. Click "New Invoice", punch in your client's details, currency, and item description. Toggle VAT if the platform detects an EU address.
- Hit Send. Xolo emails a PDF plus payment link. Your client pays via bank transfer or card.
- Track status. Dashboard flips from Pending → Paid. Funds arrive next weekly payout cycle less 5 %.
- Download docs. Need books for an accelerator due diligence? One-click export.
🎉 You've just invoiced an international client without a company—legal and live within the hour.
Real-World Snapshot: María the UX Designer
"I went from 'Sorry, my company is in progress' to paid €4 200 in two weeks."
María, a Barcelona-based UX designer, was losing clients to agencies with "proper" EU invoicing. After switching to Xolo Go, she landed three international contracts within a month and boosted her monthly revenue by 60%.
