Holvi vs Revolut Business: business account prices 2026
Updated
Holvi: lower monthly price than Revolut Business (€0.00 (virtual card only; physical card €3.00/month, + VAT) vs. €10.00 (virtual card only; physical card price not available)).
HolviPayment institution
Revolut BusinessDigital bank
Summary
- Holvi: lower monthly price than Revolut Business (€0.00 (virtual card only; physical card €3.00/month, + VAT) vs. €10.00 (virtual card only; physical card price not available)).
- Revolut Business: more transfers included in the price than Holvi (10 / month vs. 0 / month).
- Revolut Business: cheaper transfer than Holvi (€0.20 vs. €0.25).
- Note: the Holvi price (virtual card only; physical card €3.00/month, + VAT).
- Note: the Revolut Business price (virtual card only; physical card price not available).
Comparison table
| Fact | Holvi | Revolut Business |
|---|---|---|
| Type | Payment institution | Digital bank |
| Company forms | Sole trader, Limited company, Association | Limited company |
| Deposit guarantee | No deposit guarantee: Holvi Payment Services Oy is a payment institution authorised by the Financial Supervisory Authority and does not take deposits. Customer funds are held separately (Nordea, Aktia, OP Uusimaa, Eurosystem central banks and short-term government debt instruments). | The service is provided by Revolut Bank UAB, established in Lithuania (ECB licence, supervised by the Bank of Lithuania). Whether the deposit guarantee applies to Business accounts was not confirmed from the sources of this study. |
| Opening online | Yes | Yes |
| Time to open | a few minutes; use begins once identity and the company have been verified | not available |
| A credit check can block opening | not available | not available |
| Opening fee | €0.00 (no opening fee) | not available |
| Cheapest plan | Holvi Flex | Basic |
| Monthly pricedifference | €0.00 (virtual card only; physical card €3.00/month, + VAT) (better value) | €10.00 (virtual card only; physical card price not available) |
| Included in the plan | 1 Finnish IBAN account, virtual debit card (Apple Pay and Google Pay), invoicing tool and 1 user; every SEPA transfer €0.25 | Unlimited number of team members, 10 free local transfers/month, currency exchange €1,500/month at the interbank rate, virtual business cards, accepting online and contactless payments |
| Price terms | €0/month (October 2026), with monthly pricing only. Outgoing and incoming SEPA transfers €0.25 each. Traditional plastic card €3/month. Transaction and accounting connections €6/month. Pause fee €4.50/month if no SEPA or card payments are made in 30 days (not in the first three months). According to Holvi, VAT is added to the prices. | €10/month (October 2026), monthly subscription. According to Revolut, fees may be charged for physical business cards. The price list page does not say whether the price includes value added tax. Expense tool €8/month/person. |
| Transfers included in the plandifference | 0 / month | 10 / month (better value) |
| Transfer price after the allowancedifference | €0.25 | €0.20 (better value) |
| E-invoice sent | no e-invoices | not available |
| Monthly fee of the e-invoice service | no e-invoices | not available |
| E-invoice received | no e-invoices | not available |
| Extra card cost / month (on top of the headline price) | €3.00 | not available |
| Extra user / month | not available | €0.00 |
| Cash deposit | Not mentioned in the price list | Not mentioned |
| Currency conversion markup on card payments | 2.50% | not available |
| More about fees | The values apply to the Flex package unless otherwise stated; VAT is added to all prices. In Flex the virtual card is included, a traditional card is €3/month. E-invoices are included in the Pro and Business packages up to 500 + 500 per month, above that €0.50 each; Flex and Lite have no e-invoices. The currency conversion markup on card payments in the price table is 2.5% (Flex), 2% (Lite and Pro) and 1% (Business); cash withdrawals 2.5% or 2%. SWIFT payments €1 each, currency exchange 1%. | Local transfers after the monthly quota €0.20 each, international €5 each. Currency exchange above the quota 0.6% and outside market hours 1%; no separate currency conversion markup on card purchases is stated. ATM withdrawals above the quota 2%. Metal card €57.99/card. |
| E-invoices (sending and receiving) | No | not available |
| Accounting integrations | Transaction and accounting export to, among others, Netvisor, Procountor, NoCFO, Askelma and Acanta; API connection to Briox, NoCFO and LemonTree | Integrations with accounting software (the programs are not specified on the Finnish pricing page) |
| Own card terminal | not available | Yes |
| Invoicing tool | Yes | Yes |
| Finnish IBAN | Yes | not available |
| Customer service in Finnish | Yes | not available |
| More about features | Online shop 2.5% handling fee per sale. Payroll payment with the Palkkaus.fi tool €15/payslip (first 10) and then €10/payslip, VAT 0%. Customer support by phone and message. | Revolut card terminal €189 and Lite Terminal €139 as a one-off price, Tap to Pay on iPhone. Contactless payments from 0.8% + €0.02, online payments from 1% + €0.20. Support in chat around the clock. Finnish e-invoicing (Finvoice) is not mentioned. |
| Business credit card | Yes | not available |
| Business card annual fee | €0.00 | not available |
| More about the business card | Holvi Business Credit €0/month, credit limit up to €50,000; payment at the end of the month 0% or a 12-month payment plan 18% effective annual interest rate (APR). Granted on the basis of credit information. | A credit card was not confirmed from the Finnish pricing page. |
Highlighted rows: the figures differ. Information checked: Holvi 15 October 2026, Revolut Business 15 October 2026. Check the VAT basis with the provider.
Weaknesses according to the data
Holvi
- No deposit guarantee, because Holvi is a payment institution
- VAT is added to all prices and in Flex every SEPA transfer costs €0.25
- Pause fee €4.50/month if the account is not used for 30 days
Revolut Business
- Not for sole traders, associations or cooperatives
- The Basic subscription has only 10 free local transfers per month
- Support for Finnish e-invoicing is not mentioned
Frequently asked questions
Which has the lower monthly fee, Holvi or Revolut Business?
Holvi is cheaper. Cheapest plan: Holvi €0.00/month (virtual card only; physical card €3.00/month, + VAT); Revolut Business €10.00/month (virtual card only; physical card price not available).
Which has the lower currency conversion markup on card payments, Holvi or Revolut Business?
Comparable information is not available for both: Holvi 2.50%; Revolut Business not available.
Which has a deposit guarantee, Holvi or Revolut Business?
Holvi: No deposit guarantee: Holvi Payment Services Oy is a payment institution authorised by the Financial Supervisory Authority and does not take deposits. Customer funds are held separately (Nordea, Aktia, OP Uusimaa, Eurosystem central banks and short-term government debt instruments). Revolut Business: The service is provided by Revolut Bank UAB, established in Lithuania (ECB licence, supervised by the Bank of Lithuania). Whether the deposit guarantee applies to Business accounts was not confirmed from the sources of this study.