Fee Schedule for Holvi x CaPS Customers
Version: 1.1
Last update: 13. August, 2026
For your reference, we’ve created a glossary with key terms.
View our Pricing Terms for full pricing T&Cs
Visit our website for more information on fees and services
Holvi Fee Schedule for Finland
Holvi plan
| Holvi plan | |
|---|---|
| Holvi CaPS | €0 per month |
Business banking & cards
| Feature | Holvi CaPS |
|---|---|
| Payment Account | |
| Payment Accounts with FI IBANs | 1 included (Up to 50 accounts) |
| Additional Payment Accounts with FI IBANs | €2.50 per month per additional account |
| BIC/SWIFT codes | Included |
| Transfers & Direct Debits | |
| SEPA Credit Transfer (SCT) & Direct Debit (SDD) | €0.10 per transaction |
| SWIFT Transfers in and out | €2.90 per transfer*1 |
| Foreign exchange fee for Payment Account transfers | 0.70% of the transaction amount |
| Interest Bearing Payment Account | |
| Interest Bearing Payment Account | €2.50 per month per account (Up to 50 accounts) |
| Interest paid on balances by Holvi | ECB Deposit Rate – 50 bps2 |
| Holvi Business Debit Card | |
| Holvi Business Debit Mastercard (physical) | 0 included |
| Additional cards (physical) | €2.50 per month per card |
| Holvi Business Debit Mastercard (virtual) | 0 included |
| Additional cards (virtual) | €0.50 per month per card |
| Custom card spending limits | Included |
| Replacement card (physical) | €5 per card (one-time fee) |
| ATM usage (Cash withdrawals) | 2% of withdrawal amount |
| Foreign exchange fee for card transactions | 0.7% of the transaction amount |
| Chargeback fee | €10 per chargeback (only where declined by Mastercard®) |
| Card labels | Included |
| Instant card lock and unlock | Included |
| Apple Pay and Google Pay | Included |
| Account Management | |
| Multiple users | Included |
| Instant top-up | Not included |
*1 “The payee’s payment service provider may also reject, return or delay the Payment Transaction due to missing, incomplete, incorrect or closed Payment Information. In this case, both the payee’s payment service provider may deduct an additional fee directly from the Payment Amount and Holvi may apply an additional fee to the monthly subscription fee.”
*2 Calculated daily, paid monthly on Holvi Payment Account.
| Feature | Holvi CaPS |
|---|---|
| Business Credit | |
| Business credit line & card | By application, plans start from €0 per month |
| Credit Line withdrawal fee (does not apply to credit card payments) | 2% of the transaction amount |
| Holvi Business Credit Card | |
| Monthly credit line fee | No monthly credit line fee applies |
| Interest rate | 18% p.a. (does not apply to full repayment by month-end) |
| Holvi Business Credit Card | 30 virtual cards included 30 physical cards included |
| Additional cards | €2 per month per virtual card €3 per month per physical card |
| Replacement card (physical) | €10 per card (one-time fee) |
| Card payments (in EUR) | Included |
| Foreign exchange fee | 0.7% of the transaction amount |
| Instant card locking or unlocking | Included |
| Apple Pay and Google Pay | Included |
| Overdrawing the credit line | €10 |
| Agreement on a repayment holiday or deferral period, making a repayment agreement | €10 |
| Changing the repayment schedule | €10 |
| Changing the credit limit | €10 |
| Reimbursement of an overpayment | €45 |
| Closing a credit line by Holvi | €10 |
| Delivery of the payment plan for a closed credit line | €25 |
| Other admin tasks | €25 per hour (min. 1 hour) |
A note on card billing of all types
Fees for receiving and using a Holvi Business Mastercard® are billed on a monthly basis (per billing cycle) and are not affected by a mid-billing cycle change in subscription. Any change will come into effect in the next billing cycle.
A note on maximum card amounts
Please note that Holvi may set a limit to the number of cards issued to a single user specifically for any reason.
Cash withdrawals at ATMs
Please note that some ATM providers charge add-on fees for the use of their ATMs, and some merchants add a surcharge for accepting certain card types. By using the Holvi Business Mastercard®, you accept responsibility for any additional fees and surcharges. It’s your obligation to review and agree to these before completing a Holvi card transaction.
Connections
| Connections | Holvi CaPS |
|---|---|
| Connections | |
| Bank Connection | Included |
| Selected Connections | Included |
| Other Connections | Included |
Business insights
| Business insights | Holvi CaPS |
|---|---|
| Business Insights | |
| Cashflow forecast | Not included |
| Income, expenses, profit and VAT summaries | Not included |
| VAT balance calculator | Not included |
| Daily and weekly business reports | Not included |
| Email, push and SMS notifications | Included |
Bookkeeping & reports
| Bookkeeping & reports | Holvi CaPS |
|---|---|
| Bookkeeping & Reports | |
| Smart transaction filters for easy bookkeeping prep | Not included |
| Add non-Holvi transactions | Not included |
| Bookkeeping reports | Not included |
| Advanced reports and exports | Included |
Customer care
| Customer care | Holvi CaPS |
|---|---|
| Customer Care | |
| Messaging support and email | Included |
| Phone support | Included |
| 24/7 virtual assistant | Included |
| Help Centre | Included |
| Personal tax support | Not included |
Administrative Fees
Some actions require us to carry out manual work – for example, cancelling payments, notifying you of an executed or refused payment transaction, tracking non-executed or incorrectly executed payment transactions or returning funds paid due to incorrect unique identifiers.
These actions cost us extra. As such, they’re subject to additional fees.
| Admin fees | Holvi CaPS |
|---|---|
| Admin Fees | |
| Payment reminder (first payment reminder will not incur any cost) | €5 per reminder |
| Recall (wrong payment instruction) | €15 per recall |
| Individual processing | €15 per request |
| Valid refusal of direct debit due to insufficient funds | €5 per payment |
| Inactivity Fee | €4.50 |
| Other administrative tasks | €25 per hour (min. 1 hour) |
When your Holvi account isn’t active
We charge an inactivity fee if your account is unused for prolonged time-periods – meaning you don’t make any SEPA payments or card transactions within a period of 30 calendar days. However, this inactivity fee is automatically waived for the first three months after your account is opened.
Glossary
Banking Day: Any day other than a Saturday, Sunday or listed holiday. More information can be found in our Help Centre.
Card Networks: Refers to Mastercard International Inc. and/or Visa Europe Services Inc. or any other applicable card brands.
Chargeback: A demand by the cardholder (you) for a retailer to cover the loss on fraudulent or disputed transactions.
Customer: A natural person or legal person with a bonafide business purpose in whose name the Holvi Account is opened.
Customer Support: The service Holvi offers to help its Customers resolve customer support requests or answer questions concerning Holvi and its services. More information on Holvi customer support is available in our Help Centre.
FIN-FSA: The Financial Supervisory Authority of Finland. More information on the FIN-FSA can be found on the FIN-FSA website.
Holvi: Short for Holvi Payment Services Ltd, including any branch being established, also referred to in our Terms and Service as ‘we’, ‘us’ and ‘our’.
Holvi Services: Are services Holvi provides to its Customers within the scope described in Section 1 of our Terms of Service. Also referred to in our Terms as ‘Holvi Service’ (singular) particularly when they relate to Holvi’s primary service of operating the Customer’s Payment Account and the execution of Payment Transactions related to these Payment Accounts.
Holvi Website: Our website, www.holvi.com.
Salary Payment: Consists of the employee’s income, bonuses, expenses and other salary-related items.
SEPA: Refers to Single Euro Payments Area.
User: The natural person using the Holvi Service and authorised by the Customer to use the Customer’s payment account on behalf of the Customer.