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
Holvi Lite
- Business banking
- Business account
- Free transfers** (SEPA)
- SWIFT transfers €6 / transfer
- Physical Debit Cards included 1
- Order additional Physical Debit Cards €3 /month card fee
- Virtual Debit Cards included 1
- Order additional Virtual Debit Cards €3 /month card fee
Up to 5 cards - Apple Pay & Google PayTM
- Withdraw money from atms 2.5%
- Use card abroad 2%
- Instant top up 2.5%
- Additional users
- Holvi Credit Card
- Physical and Virtual Credit Card
- Repay next month
- Repay in 3 months
- Repay in 6 months
- Credit line up to €5,000
- Interest rates from 8.0%
- Manage income and expenses
- Overview of money in & out
- Receipt scanning & storing
- Transaction categorisation and in-line editing
- Invoice clients
- Create and send invoices (email & pdf)
- Customer list
- Payment reconciliation
- E-invoice sending
- E-invoice receiving
- Get business insights
- See your profit & loss / VAT balance
- Get a financial forecast
- Get income / expenses / profit / VAT summaries online
- Prepare accounting and tax filing
- Pankkiyhteys (bank connection)****
- Add non-Holvi transactions to your account
- Full VAT breakdown
- Export your data for tax filing
- Account statement
- Data export (Dropbox)
- Income statement, invoicing, VAT, procountor report
- General ledger and accounting journal reports
- Electronic account statement
- Get your bookkeeping done by a dedicated real accountant
- Accountant and bookkeeping
- VAT declaration on your behalf
- VAT payment on your behalf
- Monthly transaction limit in accounting
- Company tax return
- Financial statement
- Guidance on tax prepayments
- Preferential customer support
- Mobile app
- Web shop***** 2.5%/sales
Holvi Pro
- Business banking
- Business account
- Free transfers** (SEPA)
- SWIFT transfers €6 / transfer
- Physical Debit Cards included 3
- Order additional Physical Debit Cards €3 /month card fee
- Virtual Debit Cards included 1
- Order additional Virtual Debit Cards €2 /month card fee
Up to 10 cards - Apple Pay & Google PayTM
- Withdraw money from atms 2%
- Use card abroad 2%
- Instant top up 2%
- Additional users
- Holvi Credit Card
- Physical and Virtual Credit Card Card fee according to repayment plan***
- Repay next month €6 /month card fee
- Repay in 3 months €9 /month card fee
- Repay in 6 months €12 /month card fee
- Credit line up to €5,000
- Interest rates from 8.0%
- Manage income and expenses
- Overview of money in & out
- Receipt scanning & storing
- Transaction categorisation and in-line editing
- Invoice clients
- Create and send invoices (email & pdf)
- Customer list
- Payment reconciliation
- E-invoice sending
- E-invoice receiving
- Get business insights
- See your profit & loss / VAT balance
- Get a financial forecast
- Get income / expenses / profit / VAT summaries online
- Prepare accounting and tax filing
- Pankkiyhteys (bank connection)****
- Add non-Holvi transactions to your account
- Full VAT breakdown
- Export your data for tax filing
- Account statement
- Data export (Dropbox)
- Income statement, invoicing, VAT, procountor report
- General ledger and accounting journal reports
- Electronic account statement
- Get your bookkeeping done by a dedicated real accountant
- Accountant and bookkeeping
- VAT declaration on your behalf
- VAT payment on your behalf
- Monthly transaction limit in accounting
- Company tax return
- Financial statement
- Guidance on tax prepayments
- Preferential customer support
- Mobile app
- Web shop***** 2.5%/sales
Holvi Zen
- Business banking
- Business account
- Free transfers** (SEPA)
- SWIFT transfers €6 / transfer
- Physical Debit Cards included 3
- Order additional Physical Debit Cards €3 /month card fee
- Virtual Debit Cards included 1
- Order additional Virtual Debit Cards €2 /month card fee
Up to 10 cards - Apple Pay & Google PayTM
- Withdraw money from atms 2%
- Use card abroad 2%
- Instant top up 2%
- Additional users
- Holvi Credit Card
- Physical and Virtual Credit Card
- Repay next month
- Repay in 3 months
- Repay in 6 months
- Credit line up to €5,000
- Interest rates from 8.0%
- Manage income and expenses
- Overview of money in & out
- Receipt scanning & storing
- Transaction categorisation and in-line editing
- Invoice clients
- Create and send invoices (email & pdf)
- Customer list
- Payment reconciliation
- E-invoice sending
- E-invoice receiving
- Get business insights
- See your profit & loss / VAT balance
- Get a financial forecast
- Get income / expenses / profit / VAT summaries online
- Prepare accounting and tax filing
- Pankkiyhteys (bank connection)****
- Add non-Holvi transactions to your account
- Full VAT breakdown
- Export your data for tax filing
- Account statement
- Data export (Dropbox)
- Income statement, invoicing, VAT, procountor report
- General ledger and accounting journal reports
- Electronic account statement
- Get your bookkeeping done by a dedicated real accountant
- Accountant and bookkeeping
- VAT declaration on your behalf
- VAT payment on your behalf
- Monthly transaction limit in accounting
- Company tax return
- Financial statement
- Guidance on tax prepayments
- Preferential customer support
- Mobile app
- Web shop***** 2.5%/sales
Holvi Zen+
- Business banking
- Business account
- Free transfers** (SEPA)
- SWIFT transfers €6 / transfer
- Physical Debit Cards included 3
- Order additional Physical Debit Cards €3 /month card fee
- Virtual Debit Cards included 1
- Order additional Virtual Debit Cards €2 /month card fee
Up to 10 cards - Apple Pay & Google PayTM
- Withdraw money from atms 2%
- Use card abroad 2%
- Instant top up 2%
- Additional users
- Holvi Credit Card
- Physical and Virtual Credit Card Card fee according to repayment plan***
- Repay next month €6 /month card fee
- Repay in 3 months €9 /month card fee
- Repay in 6 months €12 /month card fee
- Credit line up to €5,000
- Interest rates from 8.0%
- Manage income and expenses
- Overview of money in & out
- Receipt scanning & storing
- Transaction categorisation and in-line editing
- Invoice clients
- Create and send invoices (email & pdf)
- Customer list
- Payment reconciliation
- E-invoice sending
- E-invoice receiving
- Get business insights
- See your profit & loss / VAT balance
- Get a financial forecast
- Get income / expenses / profit / VAT summaries online
- Prepare accounting and tax filing
- Pankkiyhteys (bank connection)****
- Add non-Holvi transactions to your account
- Full VAT breakdown
- Export your data for tax filing
- Account statement
- Data export (Dropbox)
- Income statement, invoicing, VAT, procountor report
- General ledger and accounting journal reports
- Electronic account statement
- Get your bookkeeping done by a dedicated real accountant
- Accountant and bookkeeping
- VAT declaration on your behalf
- VAT payment on your behalf
- Monthly transaction limit in accounting
- Company tax return €99 /pcs
- Financial statement €99 /pcs
- Guidance on tax prepayments
- Preferential customer support
- Mobile app
- Web shop***** 2.5%/sales
Holvi Lite | Holvi Pro | Holvi Zen | Holvi Zen+ | |
|---|---|---|---|---|
| Business banking | ||||
| Business account | ||||
| Free transfers** (SEPA) | ||||
| SWIFT transfers | €6 / transfer | €6 / transfer | €6 / transfer | €6 / transfer |
| Physical Debit Cards included | 1 | 3 | 3 | 3 |
| Order additional Physical Debit Cards | €3 /month card fee | €3 /month card fee | €3 /month card fee | €3 /month card fee |
| Virtual Debit Cards included | 1 | 1 | 1 | 1 |
| Order additional Virtual Debit Cards | €3 /month card fee Up to 5 cards | €2 /month card fee Up to 10 cards | €2 /month card fee Up to 10 cards | €2 /month card fee Up to 10 cards |
| Apple Pay & Google PayTM | ||||
| Withdraw money from atms | 2.5% | 2% | 2% | 2% |
| Use card abroad | 2% | 2% | 2% | 2% |
| Instant top up | 2.5% | 2% | 2% | 2% |
| Additional users | ||||
| Holvi Credit Card | ||||
| Physical and Virtual Credit Card | Card fee according to repayment plan*** | Card fee according to repayment plan*** | ||
| Repay next month | €6 /month card fee | €6 /month card fee | ||
| Repay in 3 months | €9 /month card fee | €9 /month card fee | ||
| Repay in 6 months | €12 /month card fee | €12 /month card fee | ||
| Credit line up to €5,000 | ||||
| Interest rates from 8.0% | ||||
| Manage income and expenses | ||||
| Overview of money in & out | ||||
| Receipt scanning & storing | ||||
| Transaction categorisation and in-line editing | ||||
| Invoice clients | ||||
| Create and send invoices (email & pdf) | ||||
| Customer list | ||||
| Payment reconciliation | ||||
| E-invoice sending | ||||
| E-invoice receiving | ||||
| Get business insights | ||||
| See your profit & loss / VAT balance | ||||
| Get a financial forecast | ||||
| Get income / expenses / profit / VAT summaries online | ||||
| Prepare accounting and tax filing | ||||
| Pankkiyhteys (bank connection)**** | ||||
| Add non-Holvi transactions to your account | ||||
| Full VAT breakdown | ||||
| Export your data for tax filing | ||||
| Account statement | ||||
| Data export (Dropbox) | ||||
| Income statement, invoicing, VAT, procountor report | ||||
| General ledger and accounting journal reports | ||||
| Electronic account statement | ||||
| Get your bookkeeping done by a dedicated real accountant | ||||
| Accountant and bookkeeping | ||||
| VAT declaration on your behalf | ||||
| VAT payment on your behalf | ||||
| Monthly transaction limit in accounting | ||||
| Company tax return | €99 /pcs | |||
| Financial statement | €99 /pcs | |||
| Guidance on tax prepayments | ||||
| Preferential customer support | ||||
| Mobile app | ||||
| Web shop***** | 2.5%/sales | 2.5%/sales | 2.5%/sales | 2.5%/sales |
* For an accurate estimation and/or proper accounting you need to add all your business transactions to Holvi.
** Pay your expenses with free transfers in euros (up to 500 transactions a month, €0.25 per transaction after)
*** Only available on our Holvi Pro pricing plan. Credit card fees are billed separately, in addition to the cost of Holvi Pro.
**** Bookkeeping is included in Holvi Zen and Zen+ subscription plans
***** With Holvi Zen, you can only sell products and services within Finland (domestic) – no overseas business.
Find more information on our pricing models for Holvi Lite, Holvi Pro and Holvi Zen.
Additional VAT applies to all prices.
Optional add-ons
Extra Holvi debit card
€3 /card per month
‘With Holvi, we got our business up and running easily – and it still works perfectly for us! Cost effective and efficient.’
Krister Häll, Kombucha Brewer
Open an account online –
as easy as 1, 2, Holvi
1. Hi, nice to meet you!
Share a few details and verify your identity with your bank credentials.
2. So what do you do?
Add some company info to help us verify your business.
3. Let’s work together.
Choose your pricing plan. Start using Holvi and simplify your life.
FAQs – Holvi pricing
Absolutely. You can change your pricing plan whenever your business needs change. You can also add features on to your current plan.
We’ve made our pricing as clear and transparent as possible. We charge a fee for atm withdrawals and foreign transactions, and for card replacements. Visit our fee schedule for a full pricing breakdown.