Holvi Flex – a business account with 0 € monthly fee
Manage your business finances in one place with a flexible business account. Pay only for what you use and stay in control.
No opening fee
Open your account quickly and easily from the comfort of your own home. No opening fee.
Clear pricing
Pay only what you use: €0 for the account and card, €0.25 per transfer.
Grows with your business
Change your pricing plan easily as your needs change.
Smart finances for your business
- 1 Finnish IBAN account – manage your business payments with ease
- Additional accounts €3/month per account – create separate accounts for different projects
- €0,25/SEPA payment – pay only what you use
- Foreign currency payments €6/transaction – pay in 18 currencies at a competitive price
- Accounting software integration €6/month – your accountant will thank you
Virtual Debit Card
- Pay safely online and in apps
- Add Apple and Google Pay™️ and pay in-store
- Get payment notifications on your phone
- Scan receipts and upload them to Holvi
- Open and close your card in the app whenever needed
- Physical or virtual additional cards for €3/month per card
More than a bank
We understand the daily life of an entrepreneur
Holvi is a Finnish company on a mission to make everyday life easier for entrepreneurs. We know local practices inside out – from e-invoicing to VAT requirements.
All your tools in one place
Holvi is more than just a business account. Holvi offers a complete financial management toolkit that brings together your business account, payment cards, invoicing, and accounting preparation all in one place.
Avoid unnecessary bureaucracy – get started right away
Open a business account easily online – without paperwork nor branch visits. Holvi is designed for entrepreneurs who value speed and simplicity.
Trusted and experienced
We’ve been serving European entrepreneurs since 2011. As a payment institution authorised and supervised by the Finnish Financial Supervisory Authority (Finanssivalvonta), your funds and data are safe with us.
Trusted by 40,000+ businesses across Europe
“Easy to start your business account on Holvi. For a small business the Holvi Flex fills our needs perfectly and the pricing and connectivity to banking and accounting is easy to setup. Customer service has been super helpful with any problems that I’ve had.”
“Tried others, this one is the best
Clear and well-designed interface/app, pleasure to use. Great customer service provided fast by real people, not bots. Useful additional functionalities: built-in invoicing, phone widget”
“Holvi offers quality service and corporate accounts with all basic features, that a small company, a private entrepreneur or a non-profit organization may need. All that with competitive pricing, which is very important for small organizations.”
“I’ve been a customer with our GmbH for four years. Holvi has grown with us, service-minded all the way.”
Open account online
You can open a Holvi account online easily and quickly – even from the comfort of your home.
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.