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Pricing in Finland

For solopreneurs

Effortless everyday banking

Account, cards, and invoicing to run your business finances.

From €0/month

For SMEs

Smarter team spending

More accounts, cards, plus interest accounts for teams that want clear control over team budgets.

From €15 /month

with Bookkeeping

Bookkeeping for total peace of mind

Accounting and business banking in one place – spend with cards, invoice clients, and let us handle your bookkeeping.

From €79 /month

For associations

Easy membership fees & expenses

Collect member fees, handle expenses, and manage board access in one shared place.

From €0 /month

Holvi Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for businesses with fewer transactions.

0€/month

No monthly account fee

What’s included

1 Finnish IBAN account
1 virtual card
€0.25 /transfer
1 user

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Lite

Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.

€12 €9 /mo

1 year subscription, monthly billing

What’s included

2 Finnish IBAN accounts
1 physical and 1 virtual card
100 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

MOST POPULAR

Holvi Pro

All-in-one financial tools with built-in banking. Ideal for businesses that want income, expenses and bookkeeping prep in one place.

€18 €15 /mo

1 year subscription, monthly billing

What’s included

5 Finnish IBAN accounts
3 physical and 1 virtual card
500 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep
Invoicing & e-invoicing

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Pricing in Germany

For solopreneurs

Effortless everyday banking

Account, cards, and invoicing to run your business finances.

From €0 /month

No monthly account fee

For SMEs

Smarter team spending

More accounts, cards, plus interest accounts for teams that want clear control over team budgets.

From €9 /month (+VAT)

Billed monthly

Holvi Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for businesses with fewer transactions.

0€/month

No monthly account fee

What’s included

1 Finnish IBAN account
1 virtual card
€0.25 /transfer
1 user

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Lite

Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.

€12 €9 /mo

1 year subscription, monthly billing

What’s included

2 Finnish IBAN accounts
1 physical and 1 virtual card
100 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

MOST POPULAR

Holvi Pro

All-in-one financial tools with built-in banking. Ideal for businesses that want income, expenses and bookkeeping prep in one place.

€18 €15 /mo

1 year subscription, monthly billing

What’s included

5 Finnish IBAN accounts
3 physical and 1 virtual card
500 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep
Invoicing & e-invoicing

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Pricing in Austria

For solopreneurs

Effortless everyday banking

Account, cards, and invoicing to run your business finances.

From €0 /month

No monthly account fee

For SMEs

Smarter team spending

More accounts, cards, plus interest accounts for teams that want clear control over team budgets.

From €9 /month (+VAT)

Billed monthly

Holvi Flex

Flexible pay-as-you-go banking with no monthly fees. Ideal for businesses with fewer transactions.

0€/month

No monthly account fee

What’s included

1 Finnish IBAN account
1 virtual card
€0.25 /transfer
1 user

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Holvi Lite

Effortless everyday banking with bookkeeping prep. Ideal for businesses looking for a simple, predictable account.

€12 €9 /mo

1 year subscription, monthly billing

What’s included

2 Finnish IBAN accounts
1 physical and 1 virtual card
100 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

MOST POPULAR

Holvi Pro

All-in-one financial tools with built-in banking. Ideal for businesses that want income, expenses and bookkeeping prep in one place.

€18 €15 /mo

1 year subscription, monthly billing

What’s included

5 Finnish IBAN accounts
3 physical and 1 virtual card
500 transfers /month
Invite your accountant
Receipt scanning & bookkeeping prep
Invoicing & e-invoicing

Added features

Bank connections €6 /month
1% foreign exchange fee
Apply for credit line up to €50,000

Find the Holvi setup that works for you

Start with the pricing category that best matches your business today.