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 Lite

€9

month + VAT

Billed monthly

Get control of your business finances with your digital business account. Manage payments and snap receipts, while staying on top of the numbers.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

1 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 5 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By Application)
500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing
Online store and sales collection

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
Only standard reports included

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.

Bank connections

Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator
Invite your own accountant

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment
Top pick

Holvi Pro

€15

month + VAT

Billed monthly

Simplify your solo finances. Online banking with expense management, invoicing and bookkeeping tools – plus higher transaction volumes.

Banking and cards
5 accounts

Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By application)

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 €6 /month.

500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections

Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Invite your own accountant

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi Zen

€79

month + VAT

Billed monthly

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.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By Application)
500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections
Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Dedicated accounting team

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi prepares your VAT declaration and annual tax return on your behalf. Annual tax return and financial statement for Holvi Zen+ are offered at a discounted rate of €99 each (VAT 0%). In Zen, this service is included in the monthly subscription fees.

Holvi Zen+

€99

month + VAT

Billed monthly

Total tax support, so you can focus on business. Available for sole traders and small limited companies.

Banking and cards
5 accounts

Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By application)

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 €6 /month.

30 SEPA transfers and direct debits per 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.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections
Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Dedicated accounting team

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi prepares your VAT declaration and annual tax return on your behalf. Annual tax return and financial statement for Holvi Zen+ are offered at a discounted rate of €99 each (VAT 0%). In Zen, this service is included in the monthly subscription fees.

Holvi Lite

€9

month + VAT

Billed monthly

Get control of your business finances with your digital business account. Manage payments and snap receipts, while staying on top of the numbers.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

1 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 5 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By Application)
500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing
Online store and sales collection

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
Only standard reports included

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.

Bank connections

Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator
Invite your own accountant

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment
Top pick

Holvi Pro

€15

month + VAT

Billed monthly

Simplify your solo finances. Online banking with expense management, invoicing and bookkeeping tools – plus higher transaction volumes.

Banking and cards
5 accounts

Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By application)

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 €6 /month.

500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections

Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Invite your own accountant

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi Zen

€79

month + VAT

Billed monthly

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.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By Application)
500 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections
Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Dedicated accounting team

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi prepares your VAT declaration and annual tax return on your behalf. Annual tax return and financial statement for Holvi Zen+ are offered at a discounted rate of €99 each (VAT 0%). In Zen, this service is included in the monthly subscription fees.

Holvi Zen+

€99

month + VAT

Billed monthly

Total tax support, so you can focus on business. Available for sole traders and small limited companies.

Banking and cards
5 accounts

Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card (By application)

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 €6 /month.

30 SEPA transfers and direct debits per 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.

SWIFT transfers (incoming and outgoing)

Easily receive international transfers and send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing SWIFT transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Bank connections
Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT calculator

A clear view of your VAT balance in real-time.

Dedicated accounting team

An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.

Tax declaration and payment

Holvi prepares your VAT declaration and annual tax return on your behalf. Annual tax return and financial statement for Holvi Zen+ are offered at a discounted rate of €99 each (VAT 0%). In Zen, this service is included in the monthly subscription fees.

All key tools for running the association’s finances. Manage expenses with cards and collect membership fees conveniently.

Holvi Associations

€19

/monthly + VAT

Billed monthly

All key tools for running the association’s finances. Manage expenses with cards and collect membership fees conveniently.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

1 physical debit card + 10 virtual debit cards

All our cards work with Apple Pay and Google Pay. €3 / month per extra card (up to 5).

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
10 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.15 per transfer.

SWIFT transfers (incoming and outgoing)

Easily send and receive international transfers in euros. €6 per inbound and outbound transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT balance calculator

A clear view of your VAT balance in real-time.

Multiple account users

Invite additional users to your Holvi account and manage their access rights.

Holvi Associations

€19

/monthly + VAT

Billed monthly

All key tools for running the association’s finances. Manage expenses with cards and collect membership fees conveniently.

Banking and cards
2 accounts

Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).

1 physical debit card + 10 virtual debit cards

All our cards work with Apple Pay and Google Pay. €3 / month per extra card (up to 5).

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
10 SEPA transfers and direct debits per month

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.15 per transfer.

SWIFT transfers (incoming and outgoing)

Easily send and receive international transfers in euros. €6 per inbound and outbound transfer. Foreign currency transfers coming soon.

Invoicing and sales
Integrated invoicing and e-invoicing

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.

Online store and sales collection

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
Advanced reports and exports

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.

Receipt scanning and bookkeeping prep

Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready

VAT balance calculator

A clear view of your VAT balance in real-time.

Multiple account users

Invite additional users to your Holvi account and manage their access rights.

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.

Personal support

You can reach us easily via live chat. Or find answers to your questions around the clock in our help centre.

Over 10 years of business banking experience

Founded in Helsinki in 2011, with its own branch in Berlin since 2019 – Holvi has a great track record.

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.

Holvi Lite

Holvi Pro

Holvi Zen

Holvi Zen+

Banking and cards

Number of accounts

Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).

2
5
2
5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

500

€0.25 / extra transfer

500

€0.25 / extra transfer

30

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
€6 / transfer
€6 / transfer
€6 / transfer
Physical debit cards

All our cards work with Apple Pay™ and Google Pay™.

1

€3 / month per extra card (up to 5)

3

€3 / month per extra card (up to 5)

3

€3 / month per extra card (up to 5)

3

€3 / month per extra card (up to 5)

Virtual debit cards

Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.

1

€3 / month per extra card (up to 5)

1

€2 / month per extra card (up to 10)

1

€2 / month per extra card (up to 10)

1

€2 / month per extra card (up to 10)

Custom card spending limits

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

ATM withdrawals

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

2.5%
2%
2%
2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
2%
2%
2%
Card labels

Create custom labels for easy spend management.

Apple Pay™ and Google Pay™

Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via bank payment button or card payment.

2.5%
2%
2%
2%

Connections

Bank connections

Connect your Holvi to Netvisor, Askelma or Acanta to automate your accounting.

€6 /month
€6 /month
Selected connections

Connect Holvi to Briox, KitsasPro or LemonTree accounting software through the selected accounting connections.

Other connections

Dropbox, Nofco, and all other possible services that you can connect to Holvi.

Business credit

Holvi Business Credit Card

Cover short-term gaps in cashflow and invest in your business.

By application, plans start from €6 / month
By application, plans start from €6 / month
1-month repayment plan

Repay this month’s spending at the end of next month.

€6 /month card fee
€6 /month card fee
3-month instalment plan

Repay this month’s spending in 3 equal instalments spread over 3 months.

€9 /month card fee
€9 /month card fee
6-month instalment plan

Repay this month’s spending in 6 equal instalments spread over 6 months.

€12 /month card fee
€12 /month card fee
Credit line

A revolving credit line that refills as you repay your credit balance.

Up to €5,000
Up to €5,000
Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

8 – 17% APR
8 – 17% APR
Automatic repayments

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, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending and receiving

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

500 sent, 500 received / month

Payment-to-invoice matching

We’ll match incoming payments to your sent invoices based on reference number.

Contact management

Manage contacts from banking, invoicing and online store – all in one place.

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

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.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.

2.5% transaction fee
2.5% transaction fee
2.5% transaction fee
2.5% transaction fee

Business insights

Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

VAT balance calculator

A clear view of your VAT balance in real-time.

Daily and weekly business reports

Get in-depth daily and weekly reports sent to your email.

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management

Receipt scanning and storing

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Bookkeeping preparation categories, VAT rates and notes

Categorise your transactions in-app, add VAT, split transactions and add notes.

Expense claims

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Basic payroll

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

Account statement

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Smart transaction filters for easy bookkeeping prep

Sort transactions with missing bookkeeping details or filter by transaction type.

Add non-Holvi transactions

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.

Export account information via Dropbox

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

Accounting services

Supported accounting system

Invite your own accountant

Invite your own accountant

Single-entry (Tmi)
Double-entry (Tmi, Oy)
Dedicated accounting team

A dedicated team of accountants to focus on your business’ accounting and taxes.

Monthly VAT declaration

Holvi prepares your VAT declaration on your behalf.

Monthly VAT payment

Holvi submits VAT payments on your behalf.

Monthly prepayment guidance

Service includes preparation of your monthly prepayment on your behalf.

Number of receipts included in accounting service

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.

Unlimited
30
Annual tax return

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.

€99 / year
Annual financial statement

*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.

€99 / year

Customer care

Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Help Centre

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Banking and cards
Number of accounts

Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).

2
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay™ and Google Pay™.

1

€3 / month per extra card (up to 5)

Virtual debit cards

Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.

1

€3 / month per extra card (up to 5)

Custom card spending limits

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

ATM withdrawals

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

2.5%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay™ and Google Pay™

Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via bank payment button or card payment.

2.5%
Connections
Bank connections

Connect your Holvi to Netvisor, Askelma or Acanta to automate your accounting.

€6 /month
Selected connections

Connect Holvi to Briox, KitsasPro or LemonTree accounting software through the selected accounting connections.

Other connections

Dropbox, Nofco, and all other possible services that you can connect to Holvi.

Business credit
Holvi Business Credit Card

Cover short-term gaps in cashflow and invest in your business.

1-month repayment plan

Repay this month’s spending at the end of next month.

3-month instalment plan

Repay this month’s spending in 3 equal instalments spread over 3 months.

6-month instalment plan

Repay this month’s spending in 6 equal instalments spread over 6 months.

Credit line

A revolving credit line that refills as you repay your credit balance.

Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

Automatic repayments

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, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending and receiving

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.

Payment-to-invoice matching

We’ll match incoming payments to your sent invoices based on reference number.

Contact management

Manage contacts from banking, invoicing and online store – all in one place.

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

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.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.

2.5% transaction fee
Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

VAT balance calculator

A clear view of your VAT balance in real-time.

Daily and weekly business reports

Get in-depth daily and weekly reports sent to your email.

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Bookkeeping preparation categories, VAT rates and notes

Categorise your transactions in-app, add VAT, split transactions and add notes.

Expense claims

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Basic payroll

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
Account statement

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Smart transaction filters for easy bookkeeping prep

Sort transactions with missing bookkeeping details or filter by transaction type.

Add non-Holvi transactions

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.

Export account information via Dropbox

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

Accounting services
Supported accounting system

Invite your own accountant

Dedicated accounting team

A dedicated team of accountants to focus on your business’ accounting and taxes.

Monthly VAT declaration

Holvi prepares your VAT declaration on your behalf.

Monthly VAT payment

Holvi submits VAT payments on your behalf.

Monthly prepayment guidance

Service includes preparation of your monthly prepayment on your behalf.

Number of receipts included in accounting service

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.

Annual tax return

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.

Annual financial statement

*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
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Help Centre

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Banking and cards
Number of accounts

Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).

5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay™ and Google Pay™.

3

€3 / month per extra card (up to 5)

Virtual debit cards

Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.

1

€2 / month per extra card (up to 10)

Custom card spending limits

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

ATM withdrawals

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay™ and Google Pay™

Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via bank payment button or card payment.

2%
Connections
Bank connections

Connect your Holvi to Netvisor, Askelma or Acanta to automate your accounting.

€6 /month
Selected connections

Connect Holvi to Briox, KitsasPro or LemonTree accounting software through the selected accounting connections.

Other connections

Dropbox, Nofco, and all other possible services that you can connect to Holvi.

Business credit
Holvi Business Credit Card

Cover short-term gaps in cashflow and invest in your business.

By application, plans start from €6 / month
1-month repayment plan

Repay this month’s spending at the end of next month.

€6 /month card fee
3-month instalment plan

Repay this month’s spending in 3 equal instalments spread over 3 months.

€9 /month card fee
6-month instalment plan

Repay this month’s spending in 6 equal instalments spread over 6 months.

€12 /month card fee
Credit line

A revolving credit line that refills as you repay your credit balance.

Up to €5,000
Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

8 – 17% APR
Automatic repayments

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, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending and receiving

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

Payment-to-invoice matching

We’ll match incoming payments to your sent invoices based on reference number.

Contact management

Manage contacts from banking, invoicing and online store – all in one place.

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

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.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.

2.5% transaction fee
Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

VAT balance calculator

A clear view of your VAT balance in real-time.

Daily and weekly business reports

Get in-depth daily and weekly reports sent to your email.

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Bookkeeping preparation categories, VAT rates and notes

Categorise your transactions in-app, add VAT, split transactions and add notes.

Expense claims

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Basic payroll

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
Account statement

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Smart transaction filters for easy bookkeeping prep

Sort transactions with missing bookkeeping details or filter by transaction type.

Add non-Holvi transactions

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.

Export account information via Dropbox

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

Accounting services
Supported accounting system

Invite your own accountant

Dedicated accounting team

A dedicated team of accountants to focus on your business’ accounting and taxes.

Monthly VAT declaration

Holvi prepares your VAT declaration on your behalf.

Monthly VAT payment

Holvi submits VAT payments on your behalf.

Monthly prepayment guidance

Service includes preparation of your monthly prepayment on your behalf.

Number of receipts included in accounting service

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.

Annual tax return

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.

Annual financial statement

*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
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Help Centre

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Banking and cards
Number of accounts

Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).

2
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay™ and Google Pay™.

3

€3 / month per extra card (up to 5)

Virtual debit cards

Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.

1

€2 / month per extra card (up to 10)

Custom card spending limits

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

ATM withdrawals

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay™ and Google Pay™

Add Holvi cards to Apple Pay™ and Google Pay™ for fast, easy and secure payments.

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via bank payment button or card payment.

2%
Connections
Bank connections

Connect your Holvi to Netvisor, Askelma or Acanta to automate your accounting.

Selected connections

Connect Holvi to Briox, KitsasPro or LemonTree accounting software through the selected accounting connections.

Other connections

Dropbox, Nofco, and all other possible services that you can connect to Holvi.

Business credit
Holvi Business Credit Card

Cover short-term gaps in cashflow and invest in your business.

1-month repayment plan

Repay this month’s spending at the end of next month.

3-month instalment plan

Repay this month’s spending in 3 equal instalments spread over 3 months.

6-month instalment plan

Repay this month’s spending in 6 equal instalments spread over 6 months.

Credit line

A revolving credit line that refills as you repay your credit balance.

Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

Automatic repayments

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, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending and receiving

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

Payment-to-invoice matching

We’ll match incoming payments to your sent invoices based on reference number.

Contact management

Manage contacts from banking, invoicing and online store – all in one place.

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

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.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using Finnish bank payment buttons or card. Money from sales goes right into your business account.

2.5% transaction fee
Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

VAT balance calculator

A clear view of your VAT balance in real-time.

Daily and weekly business reports

Get in-depth daily and weekly reports sent to your email.

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Bookkeeping preparation categories, VAT rates and notes

Categorise your transactions in-app, add VAT, split transactions and add notes.

Expense claims

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Basic payroll

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
Account statement

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Smart transaction filters for easy bookkeeping prep

Sort transactions with missing bookkeeping details or filter by transaction type.

Add non-Holvi transactions

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus Procountor, Briox, DATEV payments and bookkeeping reports, and Fivaldi exports.

Export account information via Dropbox

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

Accounting services
Supported accounting system
Single-entry (Tmi)
Dedicated accounting team

A dedicated team of accountants to focus on your business’ accounting and taxes.

Monthly VAT declaration

Holvi prepares your VAT declaration on your behalf.

Monthly VAT payment

Holvi submits VAT payments on your behalf.

Monthly prepayment guidance

Service includes preparation of your monthly prepayment on your behalf.

Number of receipts included in accounting service

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.

Unlimited
Annual tax return

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.

Annual financial statement

*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
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Help Centre

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Banking and cards
Number of accounts

Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).

5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

30

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.