A free business account – from €0 a month
Running a small business means keeping costs under control. With Holvi, you get a free business account and pay only for what you actually use.
- Free business account & Finnish IBAN
- Virtual debit card for €0/month
- Only €0.25 per transaction
- Open business account online
What does a free business account actually mean?
You can open a free business bank account without fixed monthly fees. With Holvi Flex, you’ll only pay for what you use – a transparent fee of €0.25 per transaction. So, if your business doesn’t have any transactions, you’ll pay nothing. Here’s what’s included in the plan:
- Free business bank account
- Free virtual debit card – Holvi Business Mastercard®
More than just a free business account
Holvi Lite
€9 /month
Get control of your business finances. Manage payments and stay on top of the numbers.
- Business banking
- 1 Business Debit Card
- 1 Virtual Card
- Scan & store receipts
- Real-time profit/loss*
- Real-time VAT balance*
- Apple Pay & Google PayTM
Holvi Pro
€15 /month
Simplify work life. Manage banking, expenses, invoicing and accounting – all in one account.
Everything Holvi Lite offers plus:
- 3 Business Debit Cards
- Business Credit Card (apply now)
- 1 Virtual Card
- Invoicing & e-invoicing
- Payment-to-invoice matching
- Bookkeeping preparation
- Export reports for tax filing
- Accounting integrations – or invite your accountant
- Cheaper ATM & FX fees
Holvi Zen
€79 /month
Find total peace of mind – with a certified accountant to handle taxes. Focus on business, Holvi does the rest. Available for sole traders in Finnish.
Everything in Holvi Pro plus:
- Your accounting is done by a certified accountant
- Personal tax support
- Never miss a tax deadline – we take care of VAT declaration and payments
Get a free business account and more
- Finnish IBAN for €0/month
- €0,25 per SEPA transfer
- Schedule payments and set recurring payments
- Mastercard Debit virtual card for €0/month
- For 1 user
- Lock and unlock your card
- Lock and unlock your card
- Forgot your PIN? Retrieve it in the Holvi mobile app
- Your account is secured with 2-factor authentication
- Mastercard® Identity Check ™ 3D Secure technology keeps your card secure
- Additional service: bank connection for €6/month
Biometric login
Fingerprint or Face ID login keeps access to your Holvi account safe and simple.
Multi-Factor-Authentication
From 2-FA to 3D Secure, we use the latest SCA tech to protect your TLS-encrypted account.
Bank-level security
Your money is safe with us. Bank-level security means your funds are always protected.
Open your Holvi business account
1. Hi, nice to meet you!
Share a few details and verify your identity with your bank credentials.
2. So what do you do?
Add some company info to help us verify your business.
3. Let’s work together.
Choose your pricing plan. Start using Holvi and simplify your work life.
‘Having a separate business account makes life simpler – and so does the Holvi Business Mastercard. Now I don’t need to sift through my personal records to find business expenses. Everything is there in plain sight.’
Leena Putkonen, Nutritional Therapist
FAQs
The business payment account with Holvi Flex has no fixed monthly fee. The charge is based on your usage – you’ll only pay €0.25 per transaction. You’ll receive a Finnish IBAN and the account functions like any other business payment account.
Yes. Our Holvi Flex plan with a free business account without any monthly fees is popular amongst small businesses and solo entrepreneurs. However, it doesn’t matter which size your company is.
Yes. You can open a Holvi business account for sole traders or limited companies. It doesn’t matter what size or type your company is. You can start with Holvi Flex and update the plan when your business grows.
You can open a business account online with Holvi with just a few clicks. Just click “open account” and your business bank account will be ready soon.
Still curious?
Find answers to your questions in our Help Centre, or contact Holvi Support.
About us
We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.
How it works
Holvi is all you need – from business account, to online invoicing, to expense management.