Umowa.io

Umowa.io is an online incubator for freelancers. Its legal entity is INCORPME sp. z o.o. from Białystok. It opened to everyone in December 2025, and its founders, who are from Belarus, also run the payout service payrolling.io.

The company says invoices, contracts, signing and withdrawals are all done in the app. There is no dedicated coordinator, and questions are answered by phone, email, Telegram and WhatsApp. The subscription costs PLN 299 per month, with no percentage of income. The main contract is umowa o dzieło (contract for specific work), and umowa zlecenia is added on request. Money can be received in PLN, EUR, USD and USDT, and legalization comes as separate packages.

Rating from 1 to 5 by Categories

Legalization opportunities for foreigners

3.0 / 5

Efficiency in problem-solving

2.6 / 5

Supervisors

2.6 / 5

Payout speed

3.0 / 5

Exchange rate

3.0 / 5

Approval and signing of B2B contracts

2.6 / 5

Convenience of document flow

3.0 / 5

Incubator fees

5.0 / 5

Online rating

3.0 / 5

Number of online reviews

1.0 / 5

Years in business

1.0 / 5

Overall Score: 2.7 (0 votes)

There are no online reviews, so the overall score equals the average of the 11 scores.

Rate the Business Incubator
Umowa.io

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Pros of the EOR company
"Umowa.io"

Low fixed price

PLN 299 per month with no percentage, and for one-off payouts there is a plan at 4.5% of the amount.

Everything online

According to the company, invoices, contracts, signing and payouts are all handled in one app, and you can withdraw money at any time at the press of a button.

Currencies and crypto

Payments and payouts work in PLN, EUR, USD and USDT.

Cons of the EOR company
"Umowa.io"

Patchy support

One client waited three days for a reply, and the owner never showed up for the scheduled call.

Payment only with VAT

A client says a payment from a customer in Cyprus was accepted only with VAT, although other incubators work with this customer without VAT.

No Multisport

Multisport isn't available yet, and they promise to add it later.

New company, no coordinator

Umowa.io opened to everyone in December 2025, and there are no reviews outside the Telegram chat yet. There is no personal coordinator, and all questions are handled through the app and messengers.

Overall Business Incubator Rating
"Umowa.io"

Umowa.io suits those who care about a low fixed price and are ready to handle questions through an app without a personal coordinator. The company is young, reviews exist only in the Telegram chat, and clients complain about slow replies. Before switching, ask how Umowa invoices foreign customers, with or without VAT, and how it prepares documents for legalization.

Terms of the Business Incubator
"Umowa.io"

Monthly Fees
299 PLN
4.5% of the amount (On-Demand plan for one-off payouts)
Residence Legalization
From 1000 PLN
20% discount for two or more family members
Additional Fees
State fees, power of attorney and translations for legalization
Account Currencies
PLN, EUR, USD, USDT
Tax-Free 19% Balance Retention
n/a
Multisport Card Availability
No
Mortgage Loan Consultant
Yes
Compare with all incubators

Resident Reviews
"Umowa.io"

They don’t offer Multisport, they just keep promising to add it sometime later.
They only accept payment with VAT, even from a client in Cyprus, while other incubators work with the same client without VAT.
I’ve been waiting for a reply for three days, and the owner never showed up to the scheduled call.
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