Dinero
Dinero is a Denmark-only cloud accounting SaaS platform, operated by Visma Dinero ApS, serving self-employed professionals and small Danish businesses with automated bookkeeping, invoicing, VAT reporting, and payroll, distributed via freemium self-serve and a 180+ integration ecosystem.
- Company typePrivate
- Founded2010
- HeadquartersKøbenhoved, Denmark
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Dinero does
Dinero is a Denmark-based cloud accounting SaaS platform operated by Visma Dinero ApS, a wholly-owned subsidiary of Norwegian enterprise software conglomerate Visma Group. Founded in 2010 and headquartered in Copenhagen, the platform targets Danish self-employed professionals and small businesses (primarily ApS/A/S structures and sole proprietors) who need to manage bookkeeping, invoicing, VAT reporting, and annual filings without hiring a professional accountant. The product is delivered via web browser and native iOS/Android apps, with a guided UX, AI-assisted receipt scanning (SmartScan), automatic transaction categorization (Autosuggest), real-time error detection, and automated VAT calculation tailored to Danish SKAT requirements.
The product portfolio is structured as a tiered freemium stack: a free Starter tier, paid Starter+, Pro (which unlocks 180+ integrations and the API), and Total (with priority support). Adjacent modules include Dinero Løn (payroll), Skatteopgørelsen (tax filing), Årsregnskab (annual report), Momsfri (VAT-exempt variant), and embedded business loans via Qred. The platform is certified by Erhvervsstyrelsen (Danish Business Authority) and operates as part of Visma's pan-European software portfolio. Dinero monetizes exclusively via subscription, with no disclosed pricing in public sources beyond DKK-denominated monthly tiers and optional annual payment. Distribution is primarily product-led self-serve through dinero.dk, supplemented by a Revisorpartner accountant referral channel, an integration partner network, and a content/marketing engine spanning blog, glossary, video courses (Dinero Learn), webinars, and a podcast.
Dinero firmographics
Firmographics- Name
- Dinero
- Legal name
- Visma Dinero ApS
- Website
- https://dinero.dk
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dinero is a Denmark-only cloud accounting SaaS platform, operated by Visma Dinero ApS, serving self-employed professionals and small Danish businesses with automated bookkeeping, invoicing, VAT reporting, and payroll, distributed via freemium self-serve and a 180+ integration ecosystem.
- Ownership category
- akta.pro rank
Where Dinero is headquartered
LocationHeadquarters
- HQ city
- Københoved
- HQ country
- Denmark
- HQ region
- Europe
Offices1 record
Markets served
Dinero business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Revenue: Dinero generates revenue primarily through tiered subscription plans. The Starter plan is free with basic features. Paid tiers (Starter+, Pro, Total) offer progressively more features including integrations, support levels, and automated features. Additional paid services include Dinero Løn (payroll system), business loans, and invoice templates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free plan for basic accounting needs |
| Subscription | Monthly | Entry-level paid tier |
| Subscription | Monthly | Mid-tier professional plan |
| Subscription | Monthly | Full-service premium tier |
| Subscription | Monthly | Payroll add-on for Pro users |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Dinero product offering
Product offeringCore offering
Dinero provides a cloud-based SaaS accounting platform for self-employed professionals and small businesses in Denmark, covering bookkeeping, invoicing, VAT calculation and reporting, expense tracking, receipt scanning, and annual financial statements. The product is offered in tiered subscriptions (Starter free, Starter+, Pro, Total) with optional add-on modules for payroll (Dinero Løn), tax calculation, and annual reporting. It integrates with over 180 third-party Danish and international systems including MobilePay, Nem Bankoverførsel, Stripe, Shopify, and banking partners.
Product overview
Dinero is a cloud-based accounting software platform designed for self-employed professionals and small businesses in Denmark, operated by Visma Dinero ApS. The product portfolio consists of a core accounting platform with four subscription tiers (Starter, Starter+, Pro, and Total) that build upon each other, plus specialized add-on modules. Key products include Dinero Løn (payroll system), Skatteopgørelsen (tax calculation), Årsregnskab (annual report preparation), and Bilag i skyen (cloud document storage). Additional features like the Bogføringsassistent (bookkeeping assistant) and Tilbudsmodul (quote module) provide AI-powered automation and sales workflow capabilities. The platform integrates with over 180 third-party services including payment processors, e-commerce platforms, POS systems, and booking tools.
Differentiator
Problem solved
Functional benefit
Brands
- Dinero Pro: Premium tier accounting package with advanced features including integration access, enhanced support, and automated bookkeeping assistance.
- Dinero Total
- Dinero Starter
- Dinero Starter+
- Dinero Løn
- Dinero Learn
Products and services
- Dinero Core Accounting Platform Cloud-based SaaS accounting software providing bookkeeping, invoicing, VAT calculation and reporting, expense tracking, and financial overview for self-employed professionals and small businesses in Denmark. Accessible via web, iOS, and Android.
- Dinero Starter Free accounting package for self-employed professionals providing basic bookkeeping, invoicing, and VAT handling with no credit card required to start.
- Dinero Starter+ Paid entry-level subscription tier with extended features beyond the free Starter package for growing self-employed businesses.
- Dinero Pro Premium paid subscription tier of the Dinero platform providing access to 180+ integrations, API keys, live chat support 8am–10pm, and one free monthly payslip via Dinero Løn.
- Dinero Total Highest subscription tier of the Dinero platform including all features plus skip-the-queue priority support access.
- Dinero Løn Payroll System Payroll module enabling Dinero Pro users to create one free payslip per month with automatic bookkeeping entries; additional payslips available as paid usage.
- Erhvervslån Business Loans Business loan service for self-employed professionals integrated via Qred partnership to facilitate access to financing.
- Skatteopgørelsen Tax Calculation Assisted tax calculation service for sole proprietorships, providing all figures needed to report, with calculations performed by Dinero's tax experts.
- Årsregnskab Annual Report Annual report preparation service providing all company figures required for the tax-return schema for ApS/A/S companies.
- Momsfri VAT-Free Dinero VAT-free version of Dinero's accounting software for entities exempt from VAT, with a simplified chart of accounts that omits VAT features.
Quantifiable outcome
- Reduces manual bookkeeping time through automated features
- +1 more outcomes
Companies that use Dinero
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
Dinero technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration161 records
AI capability6 records
Feature6 records
Dinero partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Håndværker.dkminorMarketing and referral partner connecting tradespeople with recommended service providers including accounting software.
- Legal DeskminorLegal services partner offering document and contract services complementary to Dinero's accounting offerings.
- ShopifycoreMajor e-commerce platform integrated with Dinero for automatic order syncing, sales recording, and inventory management. Users can connect via Paypilot or direct IEX integration.
- MobilePaycoreDominant Danish mobile payment solution integrated with Dinero for receiving customer payments, enabling easier payment collection for Danish businesses.
- StripecoreGlobal payment processor integrated with Dinero for online payment acceptance and automatic transaction recording.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Dinero competitors and assessment
Company assessmentDirect peers
- Visma eAccounting: Visma's SMB cloud accounting product (formerly Visma eEkonomi) targeting small businesses in the Nordics with bookkeeping, invoicing, and VAT handling. Closely comparable under the same Visma umbrella and SMB SaaS model.
- e-conomic: Danish cloud accounting SaaS for SMBs owned by Visma Group. Directly comparable target customer (Danish SMBs), product (cloud bookkeeping/invoicing/VAT), and pricing model; competes head-to-head with Dinero in the same Danish market.
- Billy: Danish accounting software aimed at self-employed and small businesses, with invoicing, expense tracking, and VAT handling. Closely comparable product scope, customer persona, and Danish localization to Dinero.
- Fortnox: Swedish cloud accounting and business platform for SMBs offering bookkeeping, invoicing, payroll, and a large integration marketplace. Highly comparable business model and SMB SaaS play, differing mainly in geography (Sweden vs. Denmark).
- Bokio: Swedish cloud accounting SaaS for freelancers and small businesses with freemium model and automated bookkeeping. Directly comparable in product, freemium GTM, and SMB/sole-proprietor target segment.
Broad incumbents
- Xero: Global cloud accounting platform for SMBs with extensive app marketplace and AI features. Comparable core functionality (bookkeeping, invoicing, integrations) and SMB SaaS model, but operates globally rather than in a single niche.
- QuickBooks (Intuit): Leading global SMB accounting SaaS with bookkeeping, invoicing, payroll, and AI automation. Highly comparable product surface to Dinero, but serves a broad multi-country market with vastly greater scale.
- Sage: Established global accounting and payroll software provider with SMB-focused cloud products. Overlapping capabilities (bookkeeping, payroll, tax compliance) and target SMB market; broader portfolio and geographic scope than Dinero.
- FreshBooks: Cloud accounting SaaS targeting small businesses, freelancers, and service-based professionals with invoicing, expense tracking, and time billing. Comparable SMB SaaS GTM and subscription tiers; broader geographic footprint.
Emerging players
- Wave Accounting: Freemium cloud accounting platform targeting freelancers and micro-businesses with invoicing and bookkeeping. Closely comparable freemium GTM and self-employed persona, though operating in North America rather than Denmark.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Dinero social profiles
Digital presenceDinero compliance and trust
Trust signalCompliance2 records
Dinero financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dinero leadership team
Management profileNumber of profiles
Profiles5 records
Dinero funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dinero M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dinero
What does Dinero do?
Dinero provides a cloud-based SaaS accounting platform for self-employed professionals and small businesses in Denmark, covering bookkeeping, invoicing, VAT calculation and reporting, expense tracking, receipt scanning, and annual financial statements. The product is offered in tiered subscriptions (Starter free, Starter+, Pro, Total) with optional add-on modules for payroll (Dinero Løn), tax calculation, and annual reporting. It integrates with over 180 third-party Danish and international systems including MobilePay, Nem Bankoverførsel, Stripe, Shopify, and banking partners.
Is Dinero a public or private company?
Dinero is a private company. It is classified as corporate owned and is currently operating.
When was Dinero founded?
Dinero was founded in 2010. It employs 11 to 50 people.
Where is Dinero based?
Dinero is headquartered in Københoved, Denmark, in the Europe region.
How does Dinero make money?
One revenue line is on record: subscription Revenue.
Who are Dinero's main competitors?
Direct peers on record are Visma eAccounting, e-conomic, Billy, Fortnox and Bokio. Broad incumbents are Xero, QuickBooks (Intuit), Sage and FreshBooks. Wave Accounting is listed as an emerging player.
Does Dinero have an API?
Yes. Dinero offers a public API that allows developers to integrate with the platform. The API enables sending data directly to Dinero's accounting system, automating bookkeeping workflows, and syncing data with external systems. Users can create API keys through the Dinero application (available for Dinero Pro users) to connect integrations. Developer documentation is at developer.dinero.dk.