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Country Guides

We've compiled comprehensive details on the countries we serve and the solutions we provide, all in one convenient location. Need assistance? Book a consultation with one of our experts.

Access Financial | Luxembourg

Luxembourg

Capital: Luxembourg CIty
Languages: Luxembourgish, German, and French
Currency: Euro (EUR)
Minimum wage: As of May 2025, €2,637.79/month for unskilled workers; €3,165.35 for skilled workers
Our solutions: Take-home pay*:
Self-employed: 55-63%
EOR: 62-70%
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Access Financial | Malta

Malta

Capital: Valetta
Languages: English and Maltese
Currency: Euro (EUR)
Minimum wage: The current minimum wage in Malta is €221.78 per week
Our solutions: Take-home pay*:
Self-employed: 68-70%
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Access Financial | Netherlands

Netherlands

Capital: Amsterdam
Languages: Dutch, Frisian, and English
Currency: Euro (EUR)
Minimum wage: For employees aged 21 and up, a fixed minimum wage per hour is €14.06
Our solutions: Take-home pay*:
Self-employed: 62-68%
Limited company: 68-80%
EOR: 47-61%
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Access Financial | Norway

Norway

Capital: Oslo
Languages: Norwegian
Currency: Norwegian krone (NOK)
Minimum wage: There is no general minimum wage in Norway
Our solutions: Take-home pay*:
Limited company: 68%
EOR: 50%
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Access Financial | Poland

Poland

Capital: Warsaw
Languages: Polish
Currency: Polish zloty (PLN)
Minimum wage: The current minimum wage in Poland is PLN 4,666 per month
Our solutions: Take-home pay*:
Self-employed: 70%
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Portugal | Access Financial

Portugal

Capital: Lisbon
Languages: Portuguese
Currency: Euro (EUR)
Minimum wage: The minimum wage in Portugal is 870 EUR per month
Our solutions: Take-home pay*:
Self-employed: 51-67%
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Romania

Capital: Bucharest
Languages: Romanian
Currency: Romanian leu (RON)
Minimum wage: Romania's statutory minimum gross monthly salary was increased to 4,050 RON as of January 1, 2025
Our solutions: Take-home pay*:
Self-employed: 82%
Limited company: 87%
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Access Financial | Slovakia

Slovakia

Capital: Bratislava
Languages: Slovak
Currency: Euro (EUR)
Minimum wage: The current minimum wage in Slovakia is €816 per month
Our solutions: Take-home pay*:
Self-employed: 49-69%
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Access Financial | Spain

Spain

Capital: Madrid
Languages: Spanish, Catalan, Basque. and Galician
Currency: Euro (EUR)
Minimum wage: The current minimum wage in Spain is €1,381.00 per month
Our solutions: Take-home pay*:
Self-employed: 64-66%
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Access Financial | Sweden

Sweden

Capital: Stockholm
Languages: Swedish
Currency: Swedish krona (SEK)
Minimum wage: Sweden has no national statutory minimum wage
Our solutions: Take-home pay*:
Limited company: 65%
EOR: 45-50%
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Access Financial | Switzerland

Switzerland

Capital: Bern
Languages: German, Romansh, French, and Italian
Currency: Swiss franc (CHF)
Minimum wage: There is no national minimum wage in Switzerland
Our solutions: Take-home pay*:
EOR: 65-77%
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