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.

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 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

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.