Choose the plan that suits you best
Smart banking and cards, expense management, invoicing and bookkeeping – all in one place, so you can focus on what matters.
Smart banking and cards, expense management, invoicing and bookkeeping – all in one place, so you can focus on what matters.
Holvi Flex
0 €
0 €
/monthOnly available as a monthly plan
The business account with essential payment features. Pay only for what you need and stay flexible.
Banking and cards
Create additional IBANs (max. 10) for €2/month each.
Pay online and with Google Pay – also in store. Classic cards €3/month each. Apple Pay will follow soon.
Send and receive instant payments in the SEPA area – no extra fees.
and direct debit
Ideal for those with a low volume of payments, such as side businesses, holdings and self-employed individuals. Transactions between Holvi accounts are free of charge.
Easily send money abroad in euros to non-SEPA countries. €6 per inbound and outbound SWIFT transfer. Foreign country transfers coming soon.
Invoicing and sales
Expenses and bookkeeping
As a PDF, .xslx, or as an electronic bank statement via an Open Banking API (PSD2).
Holvi Lite
9 € 4,5 €
9 €
/month + VAT1 year subscription, monthly billing
Everything from Holvi Flex, plus more IBANs, more cards, transactions and expense management.
Banking and cards
Up to 2 Finnish IBANs (country code FI) included. Create additional IBANs (max. 10) for €1 / month each.
Maximum 5 physical cards and 5 virtual cards.
Send and receive instant payments in the SEPA area – no extra fees.
and direct debits
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
Expenses and bookkeeping
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Standard reports: Account statement, accounting journal, general ledger, order lists.
Invite your accountant to your Holvi account and manage their access rights.
Holvi Pro
15 € 9 €
15 €
/month + VAT1 year subscription, monthly billing
Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
Banking and cards
Up to 5 Finnish IBANs (country code FI) included. Create additional IBANs (max. 10) for €1 / month each.
Maximum 5 physical cards and 10 virtual cards.
Send and receive instant payments in the SEPA area – no extra fees.
and direct debits
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
Create, send and track invoices. Send e-invoices. Up to 500 sent e-invoices/month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Expenses and bookkeeping
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052).
A clear view of your VAT balance in real-time.
Invite your accountant to your Holvi account and manage their access rights.
Personal support
You can reach us easily via direct message. Or find answers to your questions around the clock in our help centre.
Over 10 years of business banking experience
Founded in Helsinki in 2011, with its own branch in Berlin since 2019 – Holvi has a great track record.
Bank-level security
Keeping your account and your money secure is as important to us as it is to you – Holvi’s versatile security features and expert customer support take care of that.
Top-rated by the self-employed
People who are self-employed and small business owners value us. We regularly receive top marks on Trustpilot.
Banking and cards
Includes one account with Finnish IBAN – FI country code.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
€3 / month per card (up to 5)
€3 / month per extra card (up to 5)
€3 / month per extra card (up to 5)
€3 / month per additional card (up to 5)
€2 / month per extra card (up to 10)
€2 / month per extra card (up to 10)
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Google Pay for fast, easy and secure payments. Apple Pay coming soon.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via card payment.
A monthly inactivity fee will be charged if no SEPA or card transactions are made for over 30 days. For new customers, this fee only takes effect 12 months after opening an account.
Invoicing and sales
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send up to 500 e-invoices. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Business insights
Enjoy at-a-glance visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Expense management
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Bookkeeping & reports
As a PDF, .xslx, or as an electronic bank statement via an Open Banking API (PSD2).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052).
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
Customer care
You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
You can find answers to frequently asked questions in the Holvi Help Centre. No matter what problem you have, you can easily find the solution there.
Holvi Flex
Includes one account with Finnish IBAN – FI country code.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive instant payments in the SEPA area – no extra fees.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
€3 / month per card (up to 5)
€3 / month per additional card (up to 5)
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Google Pay for fast, easy and secure payments. Apple Pay coming soon.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via card payment.
A monthly inactivity fee will be charged if no SEPA or card transactions are made for over 30 days. For new customers, this fee only takes effect 12 months after opening an account.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send up to 500 e-invoices. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Enjoy at-a-glance visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
As a PDF, .xslx, or as an electronic bank statement via an Open Banking API (PSD2).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052).
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
You can find answers to frequently asked questions in the Holvi Help Centre. No matter what problem you have, you can easily find the solution there.
Holvi Lite
Includes one account with Finnish IBAN – FI country code.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
€3 / month per extra card (up to 5)
€2 / month per extra card (up to 10)
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Google Pay for fast, easy and secure payments. Apple Pay coming soon.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via card payment.
A monthly inactivity fee will be charged if no SEPA or card transactions are made for over 30 days. For new customers, this fee only takes effect 12 months after opening an account.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send up to 500 e-invoices. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Enjoy at-a-glance visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
As a PDF, .xslx, or as an electronic bank statement via an Open Banking API (PSD2).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052).
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
You can find answers to frequently asked questions in the Holvi Help Centre. No matter what problem you have, you can easily find the solution there.
Holvi Pro
Includes one account with Finnish IBAN – FI country code.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
€3 / month per extra card (up to 5)
€2 / month per extra card (up to 10)
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Google Pay for fast, easy and secure payments. Apple Pay coming soon.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via card payment.
A monthly inactivity fee will be charged if no SEPA or card transactions are made for over 30 days. For new customers, this fee only takes effect 12 months after opening an account.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send up to 500 e-invoices. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Enjoy at-a-glance visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
As a PDF, .xslx, or as an electronic bank statement via an Open Banking API (PSD2).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052).
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
You can find answers to frequently asked questions in the Holvi Help Centre. No matter what problem you have, you can easily find the solution there.
Find more information on our pricing models for Holvi Lite and Holvi Pro.
Additional VAT applies to all prices.