Invite your team into the business account
The business account for SMEs where more than one person spends money: a card for everyone, spending limits set in advance, and your accounting connection included in the price.
Trusted by 40 000+ European companies since 2011
Built for teams that share spending
Built for the way your team does business: on-site, in the office, or on the road. Add cards and unlimited users as the team grows.
What’s included?
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Stop approving every purchase
Give each person their own card and set their limits. You see every purchase as it happens and your balance forecast updates automatically.
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Receipts arrive with the payment
Every card purchase comes with its receipt already attached. No need to chase anyone at the end of the month.
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Pay in 18 different currencies
Receive, hold, and send money in 18 different currencies with a 0,5% rate. You don’t need a separate tool: everything runs through Holvi.
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Payroll in the same place
Pay your team’s salaries straight from Holvi without switching apps or relying on a third-party tool.
Put your balance to work
Your business balance earns interest daily, paid out monthly – directly to your Holvi account, with no hidden fees or fixed terms. Enjoy 1.5% interest with Holvi Business until December 2026, after that 1%.
Bank connections included in Holvi Business
Most banks charge extra for every accounting connection. On Holvi Business, yours is included in the price; on Pro plan it’s only €6 a month.
Holvi connects to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro and Easor.
Getting set up
Confirm your identity using your online banking credentials. Don’t have Finnish banking credentials? Follow the steps on our Expats page to get started.
Fill in a few basics about your company.
We’ll verify your details in approximately 3 business days. Once approved, your company account is ready to use. Choose your plan, add users and assign cards.
Choose the plan that suits you best
Holvi Pro
Team spending and day-to-day finances, handled with ease. Ideal for small teams that want clear control over team budgets.
€18/month+VAT
Billed monthly
MOST POPULAR
Holvi Business
Higher volumes, lower transfer costs and interest on company funds. Ideal for companies whose finances run through many people, budgets or currencies.
€50 /month+VAT
Billed monthly
Holvi Pro
Team spending and day-to-day finances, handled with ease. Ideal for small teams that want clear control over team budgets.
€15/month+VAT
1 year subscription, monthly billing
MOST POPULAR
Holvi Business
Higher volumes, lower transfer costs and interest on company funds. Ideal for companies whose finances run through many people, budgets or currencies.
€50 €40 /month+VAT
1 year subscription, monthly billing
“I’ve used Holvi for a long time because it has everything I’ve needed as an entrepreneur.”
Co-founder & COO, Krash Oy
Business credit
See if a Holvi business credit card fits — a limit that grows with proven card spend, by application.
Virtual cards
Create cards for online purchases, software and other recurring business expenses.
Frequently asked questions
Running a business often means balancing creative work and client communication – but it doesn’t have to.
Companies where two or more people spend for the business — not a one-person business, and not an association.
Holvi Business is €50 a month, or €40 a month on an annual plan. If you have a smaller team and don’t need all of the functionalities, Holvi Pro starts at €15 a month.
Holvi Business includes unlimited users, so every team member who needs to spend can get their own login. The plan also comes with 5 physical and 20 virtual cards for your team. You can always add more cards for an additional fee.
You can give your accountant their own access to your company’s business account, with the rights you choose. We recommend you add them as an Editor who can view data, but cannot approve money transfers.
Holvi does not have to replace your bank. Many businesses add Holvi alongside their existing bank rather than switching.
You can, of course, also switch fully to Holvi and have all your business finances in one convenient place.
If your accounting software charges you for a bank connection, Holvi’s connection is included in your Business plan instead — worth checking against what you’re paying today.