Choose the plan that suits you best
Smart banking and cards, expense management, invoicing and bookkeeping – all in one place, so you can focus on what matters.
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.
Banking and cards
Create additional IBANs for €2/month each.
debit card
Pay online with Apple Pay and Google Pay – also in store. Order additional virtual or physical cards at €3/month each.
SEPA transfer
Incoming and outgoing regular and instant SEPA transfers.
€6
Send and receive payments in 18 currencies – directly in Holvi.
fee
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
To add additional users to your account, you need to upgrade your plan.
Invoicing and sales
Expenses and bookkeeping
Connect Holvi to your bookkeeping software.
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.
Banking and cards
Create additional IBANs for €1/month each.
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
per month
Incoming and outgoing regular and instant SEPA transfers. Additional SEPA transfers €0.25 per transfer.
€6
Send and receive payments in 18 currencies – directly in Holvi.
fee
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Add users to your account. For example, add your team or accountant to the account and give them the permissions they need.
Invoicing and sales
Start selling online in minutes. We host your online store and secure checkout portal. Accept card payments and payment via Finnish bank button. 2.5% per-transaction fee.
Expenses and bookkeeping
Connect Holvi to your bookkeeping software.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report.
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.
Banking and cards
Create additional IBANs for €1/month each.
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €0 /month.
per month
Incoming and outgoing regular and instant SEPA transfers. Additional SEPA transfers €0.25 per transfer.
€6
Send and receive payments in 18 currencies – directly in Holvi.
fee
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Add users to your account. For example, add your team or accountant to the account and give them the permissions they need.
Invoicing and sales
Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Start selling online in minutes. We host your online store and secure checkout portal. Accept card payments and payment via Finnish bank button. 2.5% per-transaction fee.
Expenses and bookkeeping
Connect Holvi to your bookkeeping software.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
A clear view of your VAT balance in real-time.
Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report.
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.
Banking and cards
Create additional IBANs for €1/month each.
A current account that earns interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time. Earn 1.5% interest until 30.6.2026 and 1% after that.
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
per month
Incoming and outgoing regular and instant SEPA transfers. Additional SEPA transfers €0.10 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
fee
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Add users to your account. For example, add your team or accountant to the account and give them the permissions they need.
Invoicing and sales
Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Expenses and bookkeeping
Connect Holvi to your bookkeeping software
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
A clear view of your VAT balance in real-time.
Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report.
Smart banking and cards, expense management, invoicing and bookkeeping – all in one place, so you can focus on what matters.
Holvi Zen
€29,90
month + VATFor sole traders
Single-entry bookkeeping, accounts, cards, invoicing and online store.
Accounting services
An accountant or team that focuses on managing your company’s accounting and taxes.
Unlimited receipts
N/A
Holvi prepares your VAT declaration on your behalf.
We take care of your VAT payments.
Holvi prepares your VAT declaration and annual tax return on your behalf.
Account and cards
Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
Incoming and outgoing regular and instant SEPA transfers. Additional SEPA transfers €0.25 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Invoicing and sales
Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Start selling online in minutes. We host your online store and secure checkout portal. Accept card payments and payment via Finnish bank button. 2.5% per-transaction fee.
Expense managemen
Snap and save in the Holvi app
Categorise and add comments for bookkeeping
A clear view of your VAT balance in real-time.
Holvi Zen+
€79,90
month + VATFor sole traders and limited companies
Double-entry bookkeeping, accounts, cards, invoicing and online store.
Accounting services
An accountant or team that focuses on managing your company’s accounting and taxes.
30 receipts per month, after that €1/receipt
Includes 500 SEPA payments per month. Monthly price of the Zen+ accounting service also includes the handling of 30 receipts per month. Additional receipts are charged €1/item.
Holvi prepares your VAT declaration on your behalf.
Your annual tax return can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner.
Your annual financial statement can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner.
Account and cards
Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €0 /month.
Includes 500 SEPA payments per month. Monthly price of the Zen+ accounting service also includes the handling of 30 receipts per month. Additional receipts are charged €1/item.
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Invoicing and sales
Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Start selling online in minutes. We host your online store and secure checkout portal. Accept card payments and payment via Finnish bank button. 2.5% per-transaction fee.
Expense managemen
Snap and save in the Holvi app
Categorise and add comments for bookkeeping
A clear view of your VAT balance in real-time.
All key tools for running the association’s finances. Manage expenses with cards and collect membership fees conveniently.
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.
Banking and cards
Create additional IBANs for €2/month each.
Incoming and outgoing regular and instant SEPA transfers.
Pay online with Apple Pay and Google Pay – also in store. Order additional virtual or physical cards at €3/month each.
Add your association’s key people or accountant to the account and give them the permissions they need.
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Invoicing and sales
Expenses and bookkeeping
Connect Holvi to your bookkeeping software.
bookkeeping prep
Standard reports: Account statement, accounting journal, general ledger, order lists.
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.
Banking and cards
Create additional IBANs for €1/month each.
Incoming and outgoing regular and instant SEPA transfers. Additional SEPA transfers €0.25 per transfer.
Add all cards to Apple or Google Pay. You can order additional debit cards at an extra monthly cost.
Add your association’s key people or accountant to the account and give them the permissions they need.
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee is charged when card payments or bank transfers are made or received in currencies other than euros. The fee is calculated and applied at the time of the currency conversion.
Invoicing and sales
Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
Start selling online in minutes. We host your online store and secure checkout portal. Accept card payments and payment via Finnish bank button. 2.5% per-transaction fee.
Expenses and bookkeeping
Connect Holvi to your bookkeeping software.
bookkeeping prep
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
A clear view of your VAT balance in real-time.
Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor report.
Easy-to-use app
Holvi is not designed for Excel wizards, but for entrepreneurs who need efficiency. Invoicing, financial reports, online store management – everything can be managed from your phone!
Extensive additional services
As your business grows, we grow with you. Salary payment, international payments, additional cards, credit card, YEL insurance – everything is arranged directly from your Holvi account.
Bank-level security
Keeping your account and your money secure is as important to us as it is to you – Holvi’s versatile security features and expert customer support take care of that.
Top-rated by the self-employed
People who are self-employed and small business owners value us. We regularly receive top marks on Trustpilot.
Easy-to-use app
Holvi is not designed for Excel wizards, but for entrepreneurs who need efficiency. Invoicing, financial reports, online store management – everything can be managed from your phone!
Extensive additional services
As your business grows, we grow with you. Salary payment, international payments, additional cards, credit card, YEL insurance – everything is arranged directly from your Holvi account.
Bank-level security
Keeping your account and your money secure is as important to us as it is to you – Holvi’s versatile security features and expert customer support take care of that.
Top-rated by the self-employed
People who are self-employed and small business owners value us. We regularly receive top marks on Trustpilot.
Easy-to-use app
Holvi is not designed for Excel wizards, but for entrepreneurs who need efficiency. Invoicing, financial reports, online store management – everything can be managed from your phone!
Extensive additional services
As your business grows, we grow with you. Salary payment, international payments, additional cards, credit card, YEL insurance – everything is arranged directly from your Holvi account.
Bank-level security
Keeping your account and your money secure is as important to us as it is to you – Holvi’s versatile security features and expert customer support take care of that.
Top-rated by the self-employed
People who are self-employed and small business owners value us. We regularly receive top marks on Trustpilot.
Banking and cards
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
A current account that accrues interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time.
Incoming and outgoing regular and instant SEPA transfers.
€0.25 per transaction
€0.25/extra transfer
€0.25/extra transfer
€0.10/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
Additional €5/transfer
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
€3/month per card
€3/month per card
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
€3/month per extra card
€2/month per extra card
€1/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connections
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Business credit
Cover short-term gaps in cashflow and invest in your business.
0% APR
Repay this month’s spending at the end of next month.
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.
Invoicing and sales
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Business insights
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Expense management
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Bookkeeping & reports
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
Customer care
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Flex
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
A current account that accrues interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time.
Incoming and outgoing regular and instant SEPA transfers.
€0.25 per transaction
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Cover short-term gaps in cashflow and invest in your business.
Repay this month’s spending at the end of next month.
Repay this month’s spending in 3 equal instalments spread over 3 months.
Repay this month’s spending in 6 equal instalments spread over 6 months.
Repay the current month’s expenses in 12 equal installments over 12 months
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Lite
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
A current account that accrues interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time.
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Cover short-term gaps in cashflow and invest in your business.
Repay this month’s spending at the end of next month.
Repay this month’s spending in 3 equal instalments spread over 3 months.
Repay this month’s spending in 6 equal instalments spread over 6 months.
Repay the current month’s expenses in 12 equal installments over 12 months
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Pro
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
A current account that accrues interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time.
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Cover short-term gaps in cashflow and invest in your business.
0% APR
Repay this month’s spending at the end of next month.
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Business
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
A current account that accrues interest. Interest is calculated daily based on the minimum balance in the account. You can transfer money into and out of your account at any time.
Incoming and outgoing regular and instant SEPA transfers.
€0.10/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
Additional €5/transfer
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€1/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Cover short-term gaps in cashflow and invest in your business.
Repay this month’s spending at the end of next month.
Repay this month’s spending in 3 equal instalments spread over 3 months.
Repay this month’s spending in 6 equal instalments spread over 6 months.
Repay the current month’s expenses in 12 equal installments over 12 months
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Zen
Open accountHolvi Zen+
Open accountBanking and cards
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per extra card
€3/month per extra card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2/month per extra card
€2/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
Connections
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Invoicing and sales
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Business insights
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Expense management
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Bookkeeping & reports
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
Accounting services
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi prepares your VAT declaration on your behalf.
Service includes guidance to pay your prepaymets.
If your receipt amount exceeds this, don’t worry. Extra receipts will be handled €1 / pcs (0% VAT). Number of receipts included in accounting service 30 receipts, after €1 per receipt.
Your annual tax return can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner. In Zen, this service is included in the monthly subscription fees.
*Your annual financial statement can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner.
Customer care
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Zen
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per extra card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi prepares your VAT declaration on your behalf.
Service includes guidance to pay your prepaymets.
If your receipt amount exceeds this, don’t worry. Extra receipts will be handled €1 / pcs (0% VAT). Number of receipts included in accounting service 30 receipts, after €1 per receipt.
Your annual tax return can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner. In Zen, this service is included in the monthly subscription fees.
*Your annual financial statement can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Holvi Zen+
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per extra card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi prepares your VAT declaration on your behalf.
Service includes guidance to pay your prepaymets.
If your receipt amount exceeds this, don’t worry. Extra receipts will be handled €1 / pcs (0% VAT). Number of receipts included in accounting service 30 receipts, after €1 per receipt.
Your annual tax return can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner. In Zen, this service is included in the monthly subscription fees.
*Your annual financial statement can’t be avoided, but Zen+ offers this service at a discounted rate of €99 each (VAT 0%). This is a one-time fee, charged annually by our accounting partner.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Associations Flex
Open accountAssociations Pro
Open accountBanking and cards
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
€3/month per extra card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
€3/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connections
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
€6/month
€6/month
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Invoicing and sales
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Business insights
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Expense management
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Bookkeeping & reports
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
Customer care
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Associations Flex
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
€6/month
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.
Associations Pro
Create additional IBANs for €2/month (Holvi Flex plans) or €1/month (all other pricing models).
Incoming and outgoing regular and instant SEPA transfers.
€0.25/extra transfer
Send and receive payments in 18 currencies – directly in Holvi.
A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.
All our cards work with Apple Pay™ and Google Pay™.
€3/month per extra card
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3/month per extra card
Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.
We’re fully digital, but you can withdraw cash with physical cards for a small fee.
Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.
Create custom labels for easy spend management.
Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.
Lock and unlock your cards in seconds.
Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.
A monthly inactivity fee will be charged if you do not make any SEPA or card transactions for over 30 days. This fee is waived for the first three months of your plan.
Connect your Holvi to Netvisor, Procountor, NoCFO, Askelma, Acanta, Kitsas Pro or Easor to automate your accounting.
€6/month
Connect Holvi to Briox, KitsasPro, NoCFO or LemonTree accounting software through the selected accounting connections.
Dropbox, and all other possible services that you can connect to Holvi.
Securely connect your other business bank accounts and manage them directly in your Holvi app – all in one place.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
Send and receive e-invoices. Set up automatic approval and payment rules. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.
500 sent, 500 received / month
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.
Enjoy quick visibility over your finances.
View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.
A clear view of your VAT balance in real-time.
Get in-depth daily and weekly reports sent to your email.
Customise your notification settings and get notified of important events.
Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready
Categorise your transactions in-app, add VAT, split transactions and add notes.
File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.
Pay salary to yourself or your team – the Palkkaus.fi tool in Holvi takes care of official obligations. The first 10 salaries are €15 per salary (VAT 0%), thereafter €10 per salary (VAT 0%).
Download your account statement as a PDF, .xslx or electronic account statement (camt.052).
Sort transactions with missing bookkeeping details or filter by transaction type.
Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.
Accounting journal, general ledger, order lists.
VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.
Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.
You can contact our support team directly through your account by sending a message. We’ll respond to your messages and emails as quickly as we can.
Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.
For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.