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 + VATGet 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
Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 5 virtual debit cards per account.
Send and receive instant payments in the SEPA area – no extra fees.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
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
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.
Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi Pro
€15
month + VATSimplify your solo finances. Online banking with expense management, invoicing and bookkeeping tools – plus higher transaction volumes.
Banking and cards
Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.
Send and receive instant payments in the SEPA area – no extra fees.
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.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
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
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.
Connect Holvi to Netvisor, Acanta and Askelma. Price: 6 EUR
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.
An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi Zen
€79
month + VATFind 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
Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.
Send and receive instant payments in the SEPA area – no extra fees.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
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
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.
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.
An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.
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 + VATTotal tax support, so you can focus on business. Available for sole traders and small limited companies.
Banking and cards
Includes 5 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
All our cards work with Apple Pay and Google Pay. Up to 5 physical debit cards and 10 virtual debit cards per account.
Send and receive instant payments in the SEPA area – no extra fees.
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.
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
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.
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.
An individual accountant or a dedicated team of accountants to focus on your business’ accounting and taxes.
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 + VATAll key tools for running the association’s finances. Manage expenses with cards and collect membership fees conveniently.
Banking and cards
Includes 2 Finnish IBAN accounts. Additional accounts for €1 / month (maximum 10).
All our cards work with Apple Pay and Google Pay. €3 / month per extra card (up to 5).
Send and receive instant payments in the SEPA area – no extra fees.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.15 per transfer.
Send and receive payments in 18 currencies – directly in Holvi.
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
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.
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.
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.
Banking and cards
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
€0.25 / extra transfer
€0.25 / extra transfer
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
€3 / month per extra card (up to 5)
€3 / month per extra card (up to 5)
€3 / month per extra card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3 / month per extra card (up to 5)
€2 / month per extra card (up to 10)
€2 / month per extra card (up to 10)
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connections
Connect your Holvi to Netvisor, NOCFO, Askelma or Acanta 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.
Business credit
Cover short-term gaps in cashflow and invest in your business.
0% APR
0% APR
Repay this month’s spending at the end of next month.
16% APR
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
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
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
Invite your own accountant
Invite your own accountant
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi submits VAT payments on your behalf.
Service includes preparation of your monthly prepayment on your behalf.
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 Lite
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€3 / month per extra card (up to 5)
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connect your Holvi to Netvisor, NOCFO, Askelma or Acanta 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.
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.
Invite your own accountant
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi submits VAT payments on your behalf.
Service includes preparation of your monthly prepayment on your behalf.
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 Pro
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connect your Holvi to Netvisor, NOCFO, Askelma or Acanta 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.
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.
Invite your own accountant
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi submits VAT payments on your behalf.
Service includes preparation of your monthly prepayment on your behalf.
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
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connect your Holvi to Netvisor, NOCFO, Askelma or Acanta 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.
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.
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi submits VAT payments on your behalf.
Service includes preparation of your monthly prepayment on your behalf.
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+
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connect your Holvi to Netvisor, NOCFO, Askelma or Acanta 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.
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.
A dedicated team of accountants to focus on your business’ accounting and taxes.
Holvi prepares your VAT declaration on your behalf.
Holvi submits VAT payments on your behalf.
Service includes preparation of your monthly prepayment on your behalf.
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 Associations
Avaa tiliBanking and cards
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.15 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
Connections
Connect Holvi to Briox, KitsasPro, NOCFO or LemonTree accounting software through the selected accounting connections.
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.
Holvi Associations
Business accounts with Finnish IBAN. Add beneficiaries, receive payments from anywhere, keep track of your balance. Additional payment accounts 1€ per account (10 max).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.15 / extra transfer
Send and receive instant payments in the SEPA area – no extra fees.
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 (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay™ and Google Pay™.
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.
Add multiple users – like your accountant – and manage their access rights.
Add money instantly to your account via bank payment button or card payment.
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.
Find more information on our pricing models for Holvi Lite, Holvi Pro and Holvi Zen.
Additional VAT applies to all prices.