Free Freelance Invoice Tool - Get Paid Into Your Bank Account
Bill clients and get paid straight to your bank - no card processor taking a cut, no account required on their end.
Most freelancers lose $58–$150 in fees on every $2,000 invoice. With Settle, your freelance invoice goes straight to your bank. Zero fees. Seconds, not days.
No signup · No Stripe account needed · Used by 500+ freelancers
Invoice · #INV-0017
Birchwood Studio
Fast to send, faster to get paid
Add your client's details and your line items - no login, no setup screen - and send the invoice as a link or a clean PDF. Your client doesn't need an account to open it or pay it, and when they pay by bank transfer the money moves in seconds, not the multi-day wait that's standard for card payments and for most bank-transfer tools too.
That speed and simplicity is the whole point: a freelance invoice out the door in about a minute, and paid without either of you creating an account or waiting on a processor.
Create InvoiceAdd client details & line items - no login
Send a link or PDF - client needs no account
Bank pays bank directly - nothing in between
Funds in your account in seconds
Start from a free freelance invoice template
No blank page to fight with. Fill in your business, your client, and your line items, and Settle turns it into a clean, professional freelance invoice your client can pay directly - no Stripe account or card processor in the loop.
Create InvoiceYour invoice, in about a minute
Your business name
Client
Line item
Line item
The math on a $2,000 invoice
Run it through a typical card-based invoicing tool, and around $58 disappears in processing fees before the rest even reaches your account - plus a few business days' wait for it to clear. Run the same invoice through Settle, and the full $2,000 lands in your bank, usually within seconds of your client paying.
That's not a discount or a promotion. It's what happens when a payment moves bank-to-bank instead of over a card network.
Create InvoiceOn a $2,000 invoice
Bank transfer (Settle)
$0
in fees
$2,000 lands in your account
Card processor
−$58
processing fee
$1,942 lands in your account
That's not a promotion - it's a different rail
How this compares
| Settle | Stripe | PayPal | |
|---|---|---|---|
| Fee on a $2,000 invoice | $0 | ~$58 (2.9% + $0.30) | ~$60–$70 (2.99–3.49% + $0.49) |
| Time to receive funds | Seconds | ~2 business days | Instant to PayPal balance; 1+ day to bank (or 1.5% extra) |
| Client signup required | No | No | Often yes, or guest checkout |
Stripe and PayPal are the two processors invoicing tools most commonly route card payments through. Rates shown are each company's own published standard pricing as of mid-2026.
Where your money actually goes
Nowhere near a Settle account, is the short version. Every invoice and payment is encrypted end to end, and your details are used only to process that invoice - never sold.
Direct bank-to-bank
Payments move straight from your client's bank to yours - nothing sits in a Settle account in between.
Verified payee check
A payee verification runs before any transfer moves, so both sides know the money is going to the right place.
Settle steps aside
Settle initiates the transfer and steps out of the way. No holding period, no middleman account, no access to your funds.
Your data stays yours
Your details and your client's are used only to process that invoice - never sold, never repurposed.
Frequently Asked Questions
Answers to common questions about creating invoices, getting paid by bank transfer, and using Settle.
Send your next invoice with confidence.
Professional invoices, direct bank payments, and no processing fees.
No signup · No credit card · Free forever