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Choose the bookkeeping service that suits you best

Holvi Zen

Single-entry bookkeeping with built-in banking. Ideal for sole traders with annual revenue under €200,000.

€79/month+VAT

Billed monthly

What’s included

Accountant
Single-entry bookkeeping
2 Finnish IBAN accounts
3 physical + 1 virtual debit card
500 transfers /month
Receipt scanning
Invoicing & e-invoicing
Online store

Added features

1% foreign exchange fee

MOST POPULAR

Holvi Zen+

Double-entry bookkeeping with built-in banking. Ideal for ltds and sole traders with higher revenue.

€99 /month+VAT

Billed monthly

What’s included

Accountant
Double-entry bookkeeping
5 Finnish IBAN accounts
3 physical + 1 virtual debit card
500 transfers /month
30 receipts /month included in accounting
Receipt scanning
Invoicing & e-invoicing
Online store

Added features

1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Flex

Get a business account and virtual card with no fixed monthly fee. Perfect for new entrepreneurs who want to pay only for what they use.

0€/month

No monthly account fee, forever

What’s included

1 IBAN account
Virtual card
SEPA Pay-as-you-go (€0.25/SEPA)
1 user

Holvi Lite

Take control of your daily cash flow with inclusive transfers and receipt scanning. A predictable plan designed for everyday operations.

€12 €9 /mo

1 year subscription, monthly billing

What’s included

2 IBAN accounts
2 cards
100 SEPA transfers NEW
Multiple users
Receipt scanning & bookkeeping prep

MOST POPULAR

Holvi Pro

The complete toolkit for solopreneurs. Combine daily banking, debit cards, and automated VAT tracking with built-in invoicing to save hours on admin.

€18 €15 /mo

1 year subscription, monthly billing

What’s included

5 IBAN accounts
4 cards
500 SEPA transfers
Multiple users
Receipt scanning & bookkeeping prep
Built-in invoicing
Holvi Zen Holvi Zen+

Banking

Included

2

Included

5

Included

500

Included

500
€0.25/extra transfer

Optional

€1 /transfer

Optional

€1 /transfer

Optional

1 %

Optional

1 %

Debit cards

Included

3
€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
Included
Optional

2% withdrawal fee

Optional

2% withdrawal fee

Optional

2% conversion fee

Optional

2% conversion fee

Accounting services

Included

Single-entry

Included

Double-entry

Included
Included
Included
Included
Included
Not included
Not included
Included
Included

Unlimited

Included

30
Extra receipts €1 /pcs

Included
Optional

€99

Included
Optional

€99

Business credit

Not included
Optional

Up to €50,000
Subject to eligibility

Not included
Optional

2% of transaction fee

Not included
Optional

1 physical and 1 virtual card included
€3 /month per extra card

Not included
Optional

2% conversion fee

Not included
Optional

€0/month
0% APR

Not included
Optional

€0/month
18% APR

Invoicing and sales

Included
Included
Included
Included
Included
Included

Online store

Included
Included
Included
Included
Optional

2.5% transaction fee

Optional

2.5% transaction fee

Business insights

Included
Included
Included
Included
Included
Included

Expense management

Included
Included
Included
Included
Not included
Included
Optional

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

Optional

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

Connections

Included
Included

Bookkeeping & reports

Included
Included
Included
Included
Included
Included
Included
Included
Included
Included

Customer care

Included
Included
Included
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 association finances.