Expat in Finland
Your business account in Finland
Bookkeeping, invoicing and smart payment cards. Banking tools made in Finland – designed to simplify your work life.
Entrepreneur in Finland
Not your ordinary 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
- Invoicing & E-invoicing – create & send invoices online
- Effortless bookkeeping – online or in our mobile app.
- Online store – included in all pricing plans.
Banking app available in English
See your real-time cash flow in the Holvi app
With Holvi, you can manage your cash flow in real time and see how your 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
Accounting in Finland
Accounting service for small businesses
No more dealing with the Finnish tax authority – with Holvi Zen+, your bookkeeping is handled by professional accountants. Holvi Zen+ is available in English.
- For sole traders and small limited companies
- Double-entry bookkeeping
- Let a professional take care of your bookkeeping and taxes.
- Our support team will help you with all your tax needs.
- All for a fixed monthly price of €99/month + VAT
Choose your plan – Simplify work life
Holvi Flex
€0
monthFor sole traders and limited companies
Our lightest plan that includes an account and a virtual card. Pay only for the transfers you need and stay flexible. Suitable for new businesses and solopreneurs.
Holvi Lite
€9
month + VATFor sole traders and limited companies
The basic account plan you need to run your daily business banking – without any surprise fees. Suitable for solopreneurs.
Holvi Pro
€15
month + VATFor sole traders and limited companies
Everything you need to run your business: accounts, payment cards, invoicing. Suitable for solopreneurs and small teams.
Holvi Business
€50
month + VATFor SMEs
Save on Ltd’s banking. Affordable SEPA and international transfers, and cards. Suitable as a company’s main or secondary account.
Holvi Zen
€29,90
month + VATFor sole traders
Single-entry bookkeeping, accounts, cards, invoicing and online store.
Holvi Zen+
€79,90
month + VATFor sole traders and limited companies
Double-entry bookkeeping, accounts, cards, invoicing and online store.
Associations Flex
€0
/monthly + VATOur lightest plan that includes an account and a virtual card. Pay only for the transfers your association needs and stay flexible.
Associations Pro
€15
/monthly + VATEverything you need to run your association: accounts, payment cards, invoicing and online store. Collect membership fees and raise funds easily.
Your new work life is waiting…
Focus on your business and take care of banking, invoicing and bookkeeping easily.
All in one app – available in English.
Account security is our top priority
Biometric login
Secure login and online card payments with 2FA and Mastercard® Identity Check™.
Multi-Factor Authentication
Verify transactions using a combination of passwords, codes, and biometrics (e.g. fingerprint).
Bank-level security
As a licenced payment institution, we follow the same strict security rules as a bank.