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Choose the plan that suits your association best

Association Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for associations with fewer transactions and spending needs.

0€/month

No monthly account fee

What’s included

1 Finnish IBAN account
Virtual card
€0.25 /transfer
3 users

Added features

Bank connections €6 /month

MOST POPULAR

Association Pro

All-in-one financial tools with built-in banking. Ideal for associations who collect member fees and manage team spending.

€15 /mo

Billed monthly

What’s included

5 Finnish IBAN accounts
3 physical and 10 virtual cards
500 transfers /month
Receipt scanning & bookkeeping prep
Invoicing & e-invoicing
Unlimited users

Added features

Online store with 2.5% commission on sales
Bank connections €6 /month

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

Connects with

Association Flex Association Pro

Banking

Included

1
€2 /month per extra account

Included

5
€1 /month per extra account

Optional

€0.25 per transaction

Included

500
€0.25/extra transfer

Optional

€1/transfer

Optional

€1/transfer

Optional

1 %

Optional

1 %

Optional

€4.50/month

Not included

Debit cards

Optional

0
€3/month per extra card

Included

3
€3/month per extra card

Included

1
€3/month per extra card

Included

10
€2/month per extra card

Included
Included
Included

3

Included

Unlimited

Optional

2.50% withdrawal fee

Optional

2% withdrawal fee

Optional

2.50% conversion fee

Optional

2% conversion fee

Invoicing

Not included
Included
Not included
Included
Not included
Included

Online store

Not included
Included
Not included
Included
Not included
Optional

2.5% transaction fee

Expense management

Not included
Included
Not included
Included
Not included
Included
Not included
Optional

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

Connections

Optional

€6/month
No transfer fees

Optional

€6/month
No transfer fees

Included
Included
Included
Included
Not included
Included

Bookkeeping, reports & insights

Included
Included
Included
Included
Not included
Included
Not included
Included
Not included
Included
Not included
Included
Not included
Included
Not included
Included

Customer care

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.