Less admin, more time for your work
A business account for the self-employed, with invoicing, receipts and a real-time VAT view — and an accountant to take care of the rest if you’d rather not do the books.
Trusted by 40,000 businesses across Europe.
Built for one-person businesses
It’s just you and your business. Freelancers, tradespeople, consultants, therapists and sole traders of every kind. Holvi helps you get your daily finances in order so you can keep building.
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Send invoices, know what’s paid
Create and send professional invoices and e-invoices, and see what’s been paid without opening another tool. Holvi matches each payment to its invoice.
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Catch every cost as you spend
Pay with your Holvi Business Mastercard, snap the receipt, and you’re done. Holvi links it to the payment and keeps your VAT balance current, so nothing goes missing.
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Books ready to hand over
Holvi gets your bookkeeping ready as you work, with payment receipts, categories and VAT in order. Send the data straight to Netvisor or Procountor for your accountant or use it for your tax returns.
Do the books yourself, or hand them over
You’ve seen the tools that keep your books ready. Don’t want to touch them at all?
Holvi Zen puts a real accountant on the job for a fixed monthly fee. VAT filing, your annual return and financial statement included, all in the same account. Starting from 79 € /month.
“Holvi has truly made managing business finances as easy as it can be – and simple enough that even I can handle it.”
Entrepreneur
HOW IT WORKS
Open your account in three steps
Fast and fully online. Start from wherever you are.
Confirm your identity with your online banking credentials. No Finnish online banking credentials? Open your account through our guide for Expats.
Tell us a bit about you and your business.
We’ll verify your business details in about three days. Once verified, your account is immediately active and ready to use.
Choose the plan that suits you best
Plans start at €0 a month, and you can see exactly what’s included before you open an account.
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
Holvi Lite
Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.
€12 /month+VAT
Billed monthly
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
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
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
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
Frequently asked questions
As a sole trader (toiminimi) you’re not legally obliged to keep a separate account, but splitting business and personal money makes VAT, bookkeeping and your tax return far simpler. Holvi gives you a dedicated business account with your own IBAN and everything else you need to handle your business finances.
Plans start at €0 a month, and you can see exactly what each plan includes before you create an account and start using Holvi.
You can register online in minutes, and your account is usually active in about three days.
Your Finnish online banking credentials to verify your identity, plus some basic details about you and your business. Don’t have Finnish credentials? Open your account through our Expats route.
Yes, Holvi offers payroll services in cooperation with Palkkaus.fi. The service is included in the Holvi Lite, Pro, Zen+ packages, and for Holvi Association customers. After you enable salaries, Holvi prepares the payslip and pays the salary, all in one place.
Yes. Holvi gets your bookkeeping ready as you go and connects to Netvisor and Procountor, so your accountant gets what they need without emailing files back and forth.
Growing into a team?
When someone else starts spending for the business, give your team their own cards and shared visibility.
Selling online too?
Add an online store with Finnish bank payment buttons, and watch the money land in the same account that keeps your books.
New to sole trader taxes?
See how VAT, deductions and your tax return work when you’re self-employed in Finland.