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 Lite
€9
/month + VAT
The business account that helps you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.
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.
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
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
/month + VAT
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.
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
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.
Easy-to-use app
Holvi is not designed for Excel wizards, but for entrepreneurs who need efficiency. Invoicing, financial reports, online store management – everything can be managed from your phone!
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.
Holvi Lite
Open accountHolvi Pro
Open accountBanking 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
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)
€3 / month per extra 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 globally, but we charge a small exchange fee for non-Euro transactions outside the EU.
Create custom labels for easy spend management.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
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
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
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
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
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 globally, but we charge a small exchange fee for non-Euro transactions outside the EU.
Create custom labels for easy spend management.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
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.
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
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.
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
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 globally, but we charge a small exchange fee for non-Euro transactions outside the EU.
Create custom labels for easy spend management.
Lock and unlock your cards in seconds.
Add multiple users – like your accountant – and manage their access rights.
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.
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
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.
Find more information on our pricing models for Holvi Lite and Holvi Pro.
Additional VAT applies to all prices.