Choose the plan that suits you best

Save up to -25%

Holvi Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for businesses with fewer transactions.

0€/month+VAT

No monthly account fee

Open account

What’s included

1 Finnish IBAN account
1 virtual card
€0.25 /transfer
1 user

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Lite

Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.

€12 /month+VAT

Billed monthly

Open account

What’s included

2 Finnish IBAN accounts
1 physical and 1 virtual card
100 transfers /month
Receipt scanning & bookkeeping prep
Accountant access

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000
Online store with 2.5% commissions

most popular

Holvi Pro

All-in-one financial tools with built-in banking. Ideal for businesses that want income, expenses and bookkeeping prep in one place.

€18 /month+VAT

Billed monthly

Open account

What’s included

5 Finnish IBAN accounts
3 physical and 1 virtual card
500 transfers /month
Receipt scanning & bookkeeping prep
Accountant access
Invoicing & e-invoicing

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000
Online store with 2.5% commissions

Holvi Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for businesses with fewer transactions.

0€/month+VAT

No monthly account fee

Open account

What’s included

1 Finnish IBAN account
1 virtual card
€0.25 /transfer
1 user

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Lite

Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.

€12 €9 /month+VAT

1 year subscription, monthly billing

Open account

What’s included

2 Finnish IBAN accounts
1 physical and 1 virtual card
100 transfers /month
Receipt scanning & bookkeeping prep
Accountant access

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000
Online store with 2.5% commissions

MOST POPULAR

Holvi Pro

All-in-one financial tools with built-in banking. Ideal for businesses that want income, expenses and bookkeeping prep in one place.

€18 €15 /month+VAT

1 year subscription, monthly billing

Open account

What’s included

5 Finnish IBAN accounts
3 physical and 1 virtual card
500 transfers /month
Receipt scanning & bookkeeping prep
Accountant access
Invoicing & e-invoicing

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000
Online store with 2.5% commissions

Connects with

Holvi Flex Holvi Lite Holvi Pro
Open account
Open account
Open account

Banking
Included

1
Included

2
Included

5
Optional

€0.25 per transaction
Included

100
€0.25/extra transfer
Included

500
€0.25/extra transfer
Optional

€1/transfer
Optional

€1/transfer
Optional

€1/transfer
Optional

1 % conversion fee
Optional

1 % conversion fee
Optional

1 % conversion fee
Optional

€4.50/month
Not included
Not included

Debit cards
Optional

0
€3/month per card
Included

1
€3/month per extra card
Included

3
€3/month per extra card
Included

1
€3/month per extra card
Included

1
€3/month per extra card
Included

1
€2/month per extra card
Included
Included
Included
Optional

2.50% withdrawal fee
Optional

2.50% withdrawal fee
Optional

2% withdrawal fee
Optional

2.50% conversion fee
Optional

2% conversion fee
Optional

2% conversion fee

Business credit
Optional

Up to €50,000
Subject to eligibility
Optional

Up to €50,000
Subject to eligibility
Optional

Up to €50,000
Subject to eligibility
Optional

2% of transaction amount
Optional

2% of transaction amount
Optional

2% of transaction amount
Optional

1 physical and 1 virtual card
€3 per physical and €2 per virtual extra card
Optional

1 physical and 1 virtual card
€3 per physical and €2 per virtual extra card
Optional

1 physical and 1 virtual card
€3 per physical and €2 per virtual extra card
Optional

2.50% of transaction amount
Optional

2% of transaction amount
Optional

2% of transaction amount
Optional

€0/month
0% APR
Optional

€0/month
0% APR
Optional

€0/month
0% APR
Optional

€0/month
18% APR
Optional

€0/month
18% APR
Optional

€0/month
18% APR

Invoicing
Not included
Not included
Included
Not included
Not included
Included
Not included
Not included
Included

Expense management
Not included
Included
Included
Not included
Included
Included
Not included
Included
Included
Not included
Optional

€15 each on first 10 salaries
Extra salaries €10 each
Optional

€15 each on first 10 salaries
Extra salaries €10 each

Online store
Not included
Included
Included
Not included
Included
Included
Not included
Optional

2.5% transaction fee
Optional

2.5% transaction fee

Bookkeeping, reports & insights
Included
Included
Included
Included
Included
Included
Not included
Included
Included
Not included
Included
Included
Not included
Included
Included
Not included
Not included
Included
Not included
Not included
Included
Not included
Not included
Included

Connections
Optional

€6/month
No export fees

Optional

€6/month
No export fees
Optional

€6/month
No export fees
Not included
Not included
Included
Included
Included
Included
Included
Included
Included

Customer care
Included
Included
Included

Find more information on our pricing plans here. Prices are without VAT.

Frequently asked questions

No. Opening a business account with Holvi is completely free. You won’t be charged any setup or opening fees to get started. We only start billing your chosen plan’s subscription or transaction fees once your account and business identity are fully verified.

Yes. If you’re on a monthly subscription, you can upgrade or downgrade your Holvi pricing plan at any time directly from your account settings.

If you choose a yearly subscription, you commit to a 12-month period. During the 12-month period, you can only upgrade to a higher-tier annual plan (for instance, moving from Lite Annual to Pro Annual). You won’t be able to downgrade your plan or switch back to monthly billing until your current 12-month period comes to an end.

Ready to try Holvi?

Open account online and simplify your business finances.

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