Not your ordinary business account
Finnish IBAN, unlimited SEPA transfers and an affordable price. Open your business account online in minutes.
- Finnish IBAN
- 500 free SEPA transfers
- Debit, credit and virtual cards
- 100% online
Corporate account
All-in-one business account
It all starts here. Business banking, invoicing, expense management and tax prep – all in one account.
- A business account with Finnish IBAN & BIC
- 500 free SEPA transfers per month
- Smart payment cards – virtual, debit and credit cards
- Expense management and receipt storage
- Add users and manage their access rights
- Invite your accountant
- Download reports & account statements
- Boost sales with your own online store
![Home screen in Holvi app](https://www.holvi.com/wp-content/uploads/2023/01/holvi-home-phone-en-blue-1200x1200.png)
![Holvi's Business Mastercard payment cards](https://www.holvi.com/wp-content/uploads/2022/10/cards-yellow-1200x1200.png)
Cash flow management
Track your money in real time
With Holvi, you can manage cash flow in real time and see how your finances are doing, at a glance.
- VAT calculator: Uses your income and expenses to calculate how much you need to save for tax time
- Invoicing & e-invoicing: Create and send invoices easily from your business account. Get notified the moment you get paid.
- Real-time profit: Shows how much revenue is left over after expenses, helping you manage costs
- Balance forecast: Shows your upcoming balance based on scheduled transactions – so you stay ahead of the curve
Top-security business banking
Account security is our top priority
Holvi has implemented various technical and organizational measures to keep your money, account, and business information safe.
- Holvi account supports Multi-Factor Authentication (MFA)
- Push notifications that notify you about all card activities
- 2-fold security for online payments – backed by Mastercard® 3D-Secure
- Lock and unlock your card whenever necessary, using your Holvi app
- Forgot your PIN? See it in the Holvi app
![Security login screen for Holvi App](https://www.holvi.com/wp-content/uploads/2022/12/holvi-secure-fi-1200x1200.png)
Happy Holvi customers
![](https://www.holvi.com/wp-content/uploads/2020/07/holvi_customerportrait_leena-1200x1200.jpg)
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!‘
![](https://www.holvi.com/wp-content/uploads/2020/07/holvi_customerportrait_krister-1200x1200.jpg)
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.’
![](https://www.holvi.com/wp-content/uploads/2020/07/holvi_customerportrait_albert-1200x1200.jpg)
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.’
Open your business account in 3 easy steps
Open your business account from the comfort of your home. Holvi is 100% online.
1. Confirm your identity online
2. Fill in your company information
3. Choose your plan
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 & instant top-up 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
Holvi Zen+
€99 /month + VAT
Total tax support, so you can focus on business. Available for sole traders and small limited companies.
Everything in Holvi Pro plus:
- Double-entry bookkeeping
- Payroll support
- Additional accounting service add-ons
- Customer service in Finnish & English
FAQ – Holvi business account
You can send money via SEPA transfer in euros. You can also send invoices and e-invoices directly from your Holvi account. If you want, you can also set up a Holvi online store to start selling online. To accept card payments you can connect your account to payment terminals like SumUp.
All pricing plans include the following:
- A free virtual card
- A Holvi Debit Card
You can apply for the Holvi Business Credit Card for even more financial freedom. This lets you cover short-term cash flow gaps and invest in your business.
To open a Holvi business account, you need:
- Name and address
- Name, industry and location of your company
- E-mail address and phone number
- Bank ID or Mobile ID
- A Smartphone
- An estimation of your annual turnover
- Information about the ownership of your company
Here you can find Holvi’s step-by-step guide to verification