Holvi
Simplify your business finances with Holvi's all-in-one banking and invoicing solution
About Holvi
Holvi offers a comprehensive business banking platform designed for self-employed professionals and small teams. Manage your finances, issue invoices, track expenses, and access smart payment cards, all from a single, intuitive interface. With features like international payments, VAT calculation, and real-time financial insights, Holvi helps you streamline operations and focus on growing your business.
Pricing
Full pricing pageSubscription Free option
Holvi Flex
€0 per month
For sole traders and limited companies. Our lightest plan that includes an account and a virtual card. Pay only for the transfers you need and stay flexible. Suitable for new businesses and solopreneurs.
- 1 Finnish IBAN
- Open accounts in EUR, USD, GBP and more
- Receive, hold, and send multiple currencies directly within Holvi
- Additional accounts €2/month each
- Payment account with interest
- 1 virtual debit card
- Pay online with Apple Pay and Google Pay - also in store
- Order additional virtual or physical cards at €3/month each
- Business Credit Card (plans start from €0 /month)
- €0.25 per SEPA transfer
- Incoming and outgoing regular and instant SEPA transfers
- SWIFT transfers €1
- Send and receive payments in 18 currencies - directly in Holvi
- 1% foreign exchange fee
- 1 account user
- Invoicing tool
- Online store
- Bank connections €6/month
- Receipt scanning and bookkeeping prep
- VAT calculator
- No reports included
Holvi Lite
€9 per month
For sole traders and limited companies. The basic account plan you need to run your daily business banking - without any surprise fees. Suitable for solopreneurs.
- 2 Finnish IBANs
- Open accounts in EUR, USD, GBP and more
- Receive, hold, and send multiple currencies directly within Holvi
- Additional accounts €1/month each
- Payment account with interest
- 1 physical + 1 virtual debit card
- Add all cards to Apple or Google Pay
- You can order additional debit cards at an extra monthly cost
- Business Credit Card (plans start from €0 /month)
- 100 SEPA transfers per month
- Incoming and outgoing regular and instant SEPA transfers
- Additional SEPA transfers €0.25 per transfer
- SWIFT transfers €1
- Send and receive payments in 18 currencies - directly in Holvi
- 1% foreign exchange fee
- Unlimited users
- Invoicing tool
- Online store
- Start selling online in minutes
- We host your online store and secure checkout portal
- Accept card payments and payment via Finnish bank button
- 2.5% per-transaction fee
- Bank connections 6€/month
- Receipt scanning and bookkeeping prep
- Snap, sort and save receipts in-app, forever - add categories and quick notes to stay tax ready
- VAT calculator
- Only standard reports included
- Standard reports: Account statement, accounting journal, general ledger, order lists
- Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report
Holvi Pro
€15 per month
For sole traders and limited companies. Everything you need to run your business: accounts, payment cards, invoicing. Suitable for solopreneurs and small teams.
- 5 Finnish IBANs
- Open accounts in EUR, USD, GBP and more
- Receive, hold, and send multiple currencies directly within Holvi
- Additional accounts €1/month each
- Payment account with interest
- 3 physical + 1 virtual debit card
- Add all cards to Apple or Google Pay
- You can order additional debit cards at an extra monthly cost
- Business Credit Card (plans start from €0 /month)
- 500 SEPA transfers per month
- Incoming and outgoing regular and instant SEPA transfers
- Additional SEPA transfers €0.25 per transfer
- SWIFT transfers €1
- Send and receive payments in 18 currencies - directly in Holvi
- 1% foreign exchange fee
- Unlimited users
- Invoicing tool
- Create, send and track invoices
- Send and receive e-invoices
- Up to 500 sent, 500 received invoices / month
- E-invoices beyond those included in your plan are charged at €0.50 per e-invoice
- Online store
- Start selling online in minutes
- We host your online store and secure checkout portal
- Accept card payments and payment via Finnish bank button
- 2.5% per-transaction fee
- Bank connections 6€/month
- Receipt scanning and bookkeeping prep
- Snap, sort and save receipts in-app, forever - add categories and quick notes to stay tax ready
- VAT calculator
- A clear view of your VAT balance in real-time
- Advanced reports and exports
- Standard reports: Account statement, accounting journal, general ledger, order lists
- Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report
Holvi Business
€50 per month
For SMEs. Save on Ltd’s banking. Affordable SEPA and international transfers, and cards. Suitable as a company’s main or secondary account.
- 10 Finnish IBANs
- Open accounts in EUR, USD, GBP and more
- Receive, hold, and send multiple currencies directly within Holvi
- Additional accounts €1/month each
- 5 payment accounts with 1.5% interest
- A current account that earns interest
- Interest is calculated daily based on the minimum balance in the account
- You can transfer money into and out of your account at any time
- Earn 1.5% interest until 30.6.2026 and 1% after that
- 5 physical + 20 virtual debit cards
- Add all cards to Apple or Google Pay
- You can order additional debit cards at an extra monthly cost
- Business Credit Card (plans start from €0 /month)
- 500 SEPA transfers per month
- Incoming and outgoing regular and instant SEPA transfers
- Additional SEPA transfers €0.10 per transfer
- 5 SWIFT transfers monthly, extra transfers €0.50
- Send and receive payments in 18 currencies - directly in Holvi
- 0.5% foreign exchange fee
- Unlimited users
- Invoicing tool
- Create, send and track invoices
- Send and receive e-invoices
- Up to 500 sent, 500 received invoices / month
- E-invoices beyond those included in your plan are charged at €0.50 per e-invoice
- Online store
- Bank connections included
- Connect Holvi to your bookkeeping software
- Receipt scanning and bookkeeping prep
- Snap, sort and save receipts in-app, forever - add categories and quick notes to stay tax ready
- VAT calculator
- A clear view of your VAT balance in real-time
- Advanced reports and exports
- Standard reports: Account statement, accounting journal, general ledger, order lists
- Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report
FAQ
You can open a Holvi business account online or in the Holvi app in just three easy steps: confirm your identity online, fill in your company information, and choose your plan.
Holvi offers international payments in 18 currencies with low fees, and there are no third-party providers involved.
Yes, Holvi allows you to manage team spending with team debit cards, activate or deactivate card usage, and track expenses in real time from your business account.
Holvi is a Financial Payment Institution authorized by the Finnish Financial Supervisory Authority (FIN-FSA) to operate within the European Economic Area (EEA), ensuring compliance and security.
Yes, Holvi offers integrations to connect your accounting software, making it easier to manage your business finances.
Holvi provides fast answers in their help center and through their customer support team. You can learn more about support options on their website.
Holvi allows you to create, send, track, and store invoices with instant notifications when invoices are paid.
Yes, Holvi offers up to 500 free SEPA transfers per month with their online business account.
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