International money transfer in 18 currencies
Send, receive and spend money globally – no third-party providers needed.
18 currencies, one account
Open a payment account in just a few clicks. It works just like your EUR account. Hold, send and receive in the original currency.
Send and receive worldwide
International payments by SWIFT, straight from your Holvi account.
Easy SEPA transfers
Euro payments across the SEPA region, as simple as a domestic transfer.
Spend in USD and GBP
Create a USD or GBP virtual card and pay foreign suppliers and subscriptions directly.
One account for 18 currencies, no third-party providers
Open a payment account in a few clicks. Up to 15 IBANs are possible. All currencies are managed from one dashboard.
Receive customer payments, pay suppliers and hold balances in the original currency. Convert to euros only when you choose. Everything runs through Holvi, so there’s no separate FX provider to log into or reconcile at month-end.
Transparent pricing, no hidden markup
No markup buried in the exchange rate. With no third-party providers in the middle, there’s no extra cut along the way — only Holvi’s own transparent fees.
- SWIFT transfers from just €0.50 per transaction
- Foreign-currency conversion from just 0.5% per transaction
Built for businesses that work across borders
Whether money comes in from abroad or goes out to suppliers, keep it in one account at rates you can see.
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Receive customer payments and pay overseas suppliers in their own currency. Hold the balance and convert only when the rate suits you.
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Pay foreign SaaS, ad platforms and freelancers with USD and GBP virtual cards, created in a few clicks and controlled like every other card.
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Settle invoices with international suppliers by SWIFT. Clean data for your accountant.
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Invoice clients abroad and get paid in their currency, without adding a second banking tool.
Get paid from abroad, in the currency you invoiced
Share your currency account details and receive client and customer payments in 18 currencies straight into Holvi. Incoming SWIFT payments can take up to 5 business days.
Hold the balance in its original currency and convert to euros only when the rate suits you. Nothing is converted the moment it lands.
Secure by default
For over 15 years, businesses have trusted Holvi to keep their money safe.
3D Secure on every online payment
Extra protection built into every card.
Lock and unlock in a tap
Block a card instantly from the app and unblock it just as fast.
Your money, safeguarded
Holvi is a licensed payment institution, and customer funds are held as safeguarded funds.
Swift payments
Move money abroad easily
Send and receive international payments with Holvi – at a reasonable price. Make payments in 18 different currencies directly from your Holvi account.
Send your first international transfer in three steps
Not a customer yet? Open your account online in only 10 minutes.
Pick International transfer, enter the recipient, and choose the currency and amount.
Review the rate and fee, then confirm. Done.
Frequently asked questions
SEPA is for euro payments across the SEPA region and works like a domestic transfer. SWIFT is the global network used for cross-border payments in other currencies; it carries a fee and takes a little longer.
Most SWIFT transfers arrive on the same business day – many within the hour. Exact timing depends on factors like bank cut-off times, intermediary banks, and the destination country. Please allow up to 5 business days in some cases.
You can open payment accounts in 18 currencies directly in Holvi. See the current list in our Help Centre.
Beyond the SEPA region, there’s a defined group of countries you can send to and receive from. The full list can be found in our Help Centre.
Not always. Banks in the SWIFT chain can deduct fees along the way. For outbound transfers, Holvi does not deduct anything from your outgoing international transfers. However, it’s possible that the receiving bank may make deductions from your total amount. This means that your recipient may receive less than you actually sent.
The BIC (Business Identifier Code, sometimes called a SWIFT code) is an internationally recognised bank code of 8 or 11 characters. You’ll need it for an international transfer.
Yes. Create a USD or GBP virtual card and pay suppliers, SaaS and subscriptions straight from that currency account, converting to euros only when you choose.
International payments are just the start
Business account
One account for euros and 18 currencies, with cards and bookkeeping built in.
Corporate cards
Give your team cards and keep control of every euro.
Online bookkeeping
Send clean, Netvisor- or Procountor-ready data to your accountant in a click.