Your all-in-one account for self-employment

Banking, invoicing and bookkeeping – plus a new business credit card. All in one place, so you can focus on what matters. That’s work life simplified.

Mobile banking

A business account with Finnish IBAN and up to 500 free transfers per month.

Pay worldwide

Pay conveniently with your Holvi Business Debit Mastercard®. Manage expenses in real time.

Invoice clients

Create and send invoices easily from your business account. Get notified the moment you’re paid.

Easy bookkeeping

Scan expense receipts on the go, add missing details and export your data – all set for tax time.

We 💛 small business

Holvi makes self-employment a little easier.
If you’re one of these business types, Holvi is for you.

Solo workers

Sole traders and freelancers (toiminimet) looking to simplify work life with smarter business banking.

Micro businesses

1–9 employees. Self-employed people and micro Ltds (Oys) looking to manage team spending and scale smart.

Small businesses

10–50 employees. Established small businesses (Oys) looking to streamline operations and gain financial clarity.

Smarter small business banking

See how much money is yours in real time

Imagine your business account always knows how much VAT you need to set aside for taxes, and what your balance will be in two weeks. With Holvi, you can manage cash flow in real time and see how finances are doing, at a glance.

  • VAT calculator: Shows how much you have to save for tax time
  • Real-time profit: Shows how much revenue is left after expenses
  • Balance forecast: Shows your upcoming balance based on scheduled transactions in and out – so you always stay ahead of the curve

Integrated online invoicing

Billing clients, so easy with Holvi

Send invoices and e-invoices to your customers directly from your business account – online or in our mobile app. We’ll let you know when an invoice is paid and alert you of overdue invoices.

  • Create, send and track invoices online
  • Unlimited e-invoicing – sending and receiving
  • Get notified the moment an invoice is paid
  • Inbound payments auto-match to invoices
  • Downloadable income reports

Bookkeeping & tax preparation

Prep for tax time effortlessly on the go

With Holvi, bookkeeping is so easy you won’t even know you’re doing it. We take the stress out of tax time.

  • Scan receipts in the Holvi mobile app
  • Categorise income and expenses, add VAT and notes
  • Download reports to simplify tax declarations on OmaVero
  • Or share bookkeeping data with your accountant online

Open an account online or in-app

Get up and running in just a few days.

1. Confirm your identity online

2. Fill in your company information

3. Choose your plan

Happy Holvi customers

A nutritionist shares her recipe for financial wellbeing

‘Holvi has been invaluable in helping me follow cash flow in an easy, visual way – in real time!

A kombucha startup owner finds balance in work life

‘Holvi got our business up and running smoothly – and it’s still making life easier every day.’

Albert loves marketing. But paperwork? Not so much.

‘I can manage most of my finances on the go from my phone. No need to put things off till I get home.’

Virtual cards are here!

Now you can create virtual debit cards for online purchases. With your own card number, for even more security and cost control.

Clear and simple pricing

Holvi Lite

€9 /month + VAT

Get control of your business finances. Manage payments and stay on top of the numbers.

  • Business banking
  • 1 Business Debit Card
  • 1 Virtual Card
  • Scan & store receipts
  • Real-time profit/loss*
  • Real-time VAT balance*
  • Apple Pay & Google PayTM

Holvi Pro

€15 /month + VAT

Simplify work life. Manage banking, expenses, invoicing and accounting – all in one account.

Everything in Holvi Lite plus:

  • 3 Business Debit Cards
  • Business Credit Card (apply now)
  • 1 Virtual Card
  • Unlimited invoicing & e-invoicing
  • Payment-to-invoice matching
  • Bookkeeping preparation
  • Export reports for tax filing
  • Accounting integrations – or invite your accountant
  • Cheaper ATM & FX fees

Holvi Zen

€79 /month + VAT

Find total peace of mind – with a certified accountant to handle taxes. Focus on business, Holvi does the rest. Available for sole traders in Finnish.

Everything in Holvi Pro plus:

  • Your accounting is done by a certified accountant
  • Personal tax support
  • Never miss a tax deadline – we take care of VAT declaration and payments

*For an accurate estimation and/or proper accounting you need to add all your business transactions to Holvi.

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi has you covered – from business account, to online invoicing, to online bookkeeping.