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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 January 2026, €2,703.74/month for unskilled workers; €3,244.48 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: For 2026, the national minimum wage for full-time workers aged 18+ is €229.44 per week (approximately €994 per month)
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: Statutory national minimum wage of €14.71 per hour for ages 21+ as of 1 January 2026
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: No general national minimum wage
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: Poland has a national statutory minimum wage. As of 1 January 2026, the minimum gross monthly wage is PLN 4,806 (approximately €1,130)
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: Portugal has a national minimum wage of €920 per month (2026)
Our solutions: Take-home pay*:
Self-employed: 51-67%
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Romania

Capital: Bucharest
Languages: Romanian
Currency: Romanian leu (RON)
Minimum wage: RON 4,325 per month
Our solutions: Take-home pay*:
Self-employed: 82%
Limited company: 87%
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Access Financial | Spain

Spain

Capital: Madrid
Languages: Spanish, Catalan, Basque. and Galician
Currency: Euro (EUR)
Minimum wage: €1,424.50 per month over 12 instalments
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. Instead, wages are set by collective bargaining agreements
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: Switzerland has no nationwide statutory minimum wage
Our solutions: Take-home pay*:
EOR: 65-77%
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